vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following reports the steps of a Rental Scam that I was recently a victim of. Neither Chase Bank or XXXX has been helpful in fixing the problem, taking legal action, or taking any action to help return the funds that was stolen from me using their platforms. A big part of this fraud occured because I was mislead into thinking XXXX was a secure platform since Chase 's online platform recently switched over to using XXXX exclusively for online transfers. 

I applied to an ad in XXXX for a rental property located at XXXX XXXX XXXX, XXXX, NY XXXX. A man who calls himself XXXX XXXX from email XXXX replied after a few days and said he was interested in renting it to me, though he was not available for a walkthrough because he is currently based in Texas, but that I was free to peak in the windows. This worked for me as I was currently traveling and needed something quick for employment in the area. 

I sent a payment on XX/XX/XXXX via XXXX as requested for the firsts month rent + Security Deposit in the amount of {$1300.00} to XXXX Transaction # XXXX. I was told this was his assistant. 

A few days later XXXX requested I needed to also pay the last months depost due to my income at the request of his lawyer. On XX/XX/XXXX I send a XXXX Payment to XXXX Transaction # XXXX for the amount of {$870.00}. I understand requesting a last months deposit / Security is now an illegal practice in the state of New York, but I assumed he was just an older individual doing things in an old fashioned way, so I reluctantly made the payment. 

A few days later XXXX than requested that I send him an additional {$640.00} for XXXX. Neither this nor the last months rent was included in the lease I signed and was almost certain it was a scam at this point. Durring all these exchanges / payments he has refused to sent the keys until the next payment is made. My move in date was in 5 days and he still has not sent the keys. I have asked for a refund, but the refund as now been delayed, and I am scared I will not get any of my money back. I also now have nowhere to live, and won't be able to start my Full Time Employment that was scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX OHIO and I do not have a contract with ONLINE COLLECTIONS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX XXXXXXXX. XXXX  XXXX has reported to the credit bureaus od transunuin and XXXX  that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX  XXXX. XXXX  XXXX has reported to the credit bureaus od XXXX  and experian that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the 7+yrs. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away.

I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX 's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experians upload service when i input experian report number XXXX times out and suggests mail. 
this evidence attached will resolve cfpb XXXX and XXXX against experian ; also all disputes on XXXX account number XXXX and cfpb complaints XXXX against XXXX XXXX XXXX and cfpb XXXX against XXXX credit mgt. 

XXXX is using changed account numbers to avoid the deletion of their collection account.it is creatively intentional as they try to extort monies, avoiding what account is described by the attached document, the same account they agressively try to collect for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am not liable for this debt with XXXX  XXXX XXXX  XXXX and I do not have a contract with MIDLAND CREDIT MANAGEM  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX has not ceased in their action to report factual information on my credit report. 
Experian, XXXX and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With Experian XXXX and XXXX These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Experian XXXX and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
The leased car was returned on XX/XX/XXXX. The monthly lease payment of {$320.00} for that XXXX was paid on XX/XX/XXXX. Kia Motors Finance sent me a letter dated XX/XX/XXXX itemizing XXXX charges that totaled {$850.00} that XXXX said i owe them. Those charges were grossly inaccurate. 

Three of the charges were proven incorrect and XXXX eliminated them. The lease disposition fee of {$400.00} was agreed to. However, the final payment for the month of XXXX remains in dispute. 

XXXX is saying i did not make this payment. So, they want to add {$130.00} for the 11 days in XXXX that i had the car to the {$400.00} disposition fee and say i still owe them {$530.00} XXXX rounding error ). That is NOT TRUE and i sent XXXX a pdf schedule downloaded from my bank XXXX XXXX XXXXXXXX XXXX  XXXX that proves i made the payment. 

Since i made that payment, XXXX in fact owes me a credit of {$190.00} XXXX XXXX - XXXX ) for XX/XX/XXXX. 

Therefor, the final lease end payment should be net {$200.00} XXXX XXXX - XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX. I received my PPP loan from SBA, the next day at XXXX XX/XX/XXXX someone changed my phone number and email in cash app. I seen that someone changed it and you immediately went to customer service and talk to cash app. The lady from guys you have asked me if I wanted my account reset I said yes proceed and reset my account so no one can get in it well the very next day at XXXXXXXX XXXX. in the morning someone stole over {$12000.00} out of my cash app account from my ppp they did not reset my account and someone was able to go in it. That was the XXXX of XXXX when I called in and explained everything to cash app now on the XXXX I got a response that I lost because I knew the person first of all I don't know these people second of all they have a foreign names I can't even pronounce so I don't know them and {$12000.00} was stolen from me and cash that refuses to help me or give it back they just say that I knew them to close however you will see that I did my due diligence I called in warned them this one was trying to get in it when I seen it I even spoke to a supervisor on the XXXX of XXXX he stated to me out of his mouth on recording cuz everything is recorded that they drop the ball the account was not reset correctly and that's how they were able to get in it. So the supervisor said they dropped the ball they still refuse to give me my money over {$12000.00} and told me I lost you will see in all of our text messages between me and cash app where they drop the ball not in me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AR

Complaint narrative:
I recently review a copy of my credit report and I realize that as a consumer AFNI is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have violated other laws not stated about this alleged debt. I have attached my ID to help identify me and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been harassed by MACYS about a debt I do not owe. They have contacted me at my place of business which is out of order. They are in violation of several US Codes. In the attached Exhibits you will see MACYS is in Violation of 15 USC 1692b. ( 5 ), 15 USC 1692d. ( 2 ), 15 USC 1692b. ( 2 ), and several others. Attached you will find mailed copies from me the consumer, to MACYS stating I do not owe this debt, a cease and desist, along with Exhibits A and B, with their USC violations. There is an Invoice attached for {$8000.00} due to the criminal and civil negligence on MACYS behalf. I would like for MACYS to stop contacting me in regards to this debt that I do not owe, and pay me for the multiple violations giving to me under under 15 USC 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Firstly, I a request via the payment coupon along with the payment, that the bank close my account. ( The account had a XXXX balance ). 

I then received my next statement completely ignoring the informal request. Subsequently, I sent a certified letter to the corporate office of Bank of America, requesting that they close the credit card account.

This request appears to have also been ignored, as AGAIN, I received yet another statement showing that the account was still open with a credit balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I HAD SUSPICIOUS ACTIVITY ON MY CREDIT ACCOUNT IT CAUSED MY CLOSED MY ACCOUNT. WHEN I WAS WAS CLOSING MY ACCOUNT I ASKED THAT PERSON TO TRANSFER MY POINTS MONEY {$1900.00} TO MY BANK ACCOUNT. AFTER TWO MONTHS WHEN I REALISED THAT I DID NOT RECEIVE MONEY I CALLED AND SPOKE TO THE SUPERVISOR AND AFTER A WEEK I RECEIVED A LETTER THAT MY REQUEST WAS DENIED, THEN I CALLED AGAIN AFTER THEY DENIED MY REQUEST. LAST TIME WHEN I SPOKE TO A SUPERVISOR AND THEY SAID MY REQUEST IS GETTING DENIED BECAUSE THERE IS NO ERROR BY THE BANK. I REQUESTED THE MY OWN RECORDING THEY SAID I HAVE TO GO THROW COURT. I FEEL LIKE IT'S NOT FAIR FOR SOMEONE ELSE 'S MISTAKE AND CAUSED ME TO LOSE A BIG AMOUNT OF MONEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I've notified this company, XXXX XXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I've notified this company, XXXX XXXXXXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts

Company response to consumer: Closed with explanation