vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase released {$6800.00} without my authorization, on a fraudulant check cashed with a name that doesn't even match, has never been associated with myself or my account -- just a completely falsified check with a MAN 's name on it, printed at the top, and signed by the same man. 

I notified Chase as soon as I saw this on XX/XX/XXXX via phone. They said it was obviously a clear case of fraud and we could expect our funds back in 3-5 days. This was already unacceptable as we needed to wire some of those funds to close an escrow the next day. 

Since then, another 10 days have past. I went into a branch immediately on Monday XX/XX/XXXX where we I did my due diligence of reporting this in person and was told again it would be resolved in a couple days. Those passed and still nothing. Another promise of " tomorrow, or day after, latest. '' Those days passed. Now XX/XX/XXXX, went into branch again only to be told now they don't know when. Our rent is past due and I have no money. They have broken promises on 3 or 4 separate occasions on this already. We have a copy of the bogus check and they do as well. Everything 's been reported and filled out and they keep making false promises and stringing me along as my life falls apart with {$0.00} dollars. They didn't even look at the name on the check. They gave away all my money, {$6800.00} and I have no idea or confidence at this point when or if I will even get it back. They keep lying and refuse to replenish my money they recklessly released and refuse to give my money back. They are FDIC insured, they are supposed to protect against this sort of thing and certainly help and make good on their word to distressed customers whose lives are in dire straits rather than lie, make false promises, use stall tactics and refuse to make the funds available that SHOULD NEVER HAVE BEEN RELEASED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: AZ

Complaint narrative:
I been sued from Unifund CCR , LLC, .. on very very old debt dated back XXXX total 23 years, after periodically requested the validity of the debt. 
No proof or validation of debt was ever given to me, No proof of authority to collect a debt was ever given to me, No accounting of the debt was ever provided, and No account has ever existed between my self and Unifund CCR , LLC, ... as they claim. 
Attached is a copy of the request letter dated XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX XXXX 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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed disputes through XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed another claim on XX/XX/XXXX through XXXX XXXX but it was canceled against my will. Those claims were all verified as received by Transunion when I called multiple times. I filed another claim directly through Transunion XX/XX/XXXX. All of my claims were rejected. I have called Transunion numerous times, and when I speak to a representative every time they have told me that because I have no proof of the loan being paid off they won't close it. I was even told by a representative that it will automatically drop off after 6 months and that at that point I can resubmit another claim. I have called the creditor directly and they said there is no way to send a payoff confirmation and information is automatically sent to the creditors. My account with XXXX was updated almost immediately, I don't know why Transunion refuses to update my information even after paying off my loan 9 months ago. My credit has been effected by this, and there is absolutely nothing I can do myself to fix the situation. Transunion refuses to work with me, and even gave me an attitude and hung up the last conversation I had with them.

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 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I had a long dispute with XXXX XXXX regarding some money on a insurance policy they claimed I owed. AWA credit collections put a derogatory note on my credit. I called them and asked about it. I sent in the information they required to take off the damaging information- they never removed it. Finally I had XXXX and XXXX take if off. Unfortunately, the derogatory info was still on my credit when I was being evaluated for a home loan. I got a higher interest rate because of it. I had the CA Dept of Insurance evaluating the insurance problem. It tool several months for them to come to an agreement with XXXX regarding the balance I owed. I received a phone call from my contact at the Dept of Insurance informing me I would now owe {$100.00}. I agreed to pay it off once I received the bill. I had yet to receive a bill or any kind of statement ( it was just four days ago I had spoken to CA Dept of Insurance- and AWA placed another derogatory note on my credit!!! This was one was not overdue, and I had not received ANY written notice regarding the new balance or agreement. The info on the Derogatory claim on XXXX said it was due XX/XX/2019.!!! Not overdue, just due XX/XX/2019 AND it was for a higher amount than CA Dept of Insurance had given me. I paid the amount CA Dept of Insurance told me ( {$100.00} ) instead of the {$110.00} AWA had claimed. I am XXXX, and it's hard enough for me to keep things together without this kind of drama attached to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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:
I have no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my Experian credit report and 30 days late on XXXX ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item

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 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing  accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company. 

Thank you

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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my XXXX  credit report and 30 days late on Transunion ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item

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 2019-08-07 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:
Take note that I did not sign up for an account with these original creditors.. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX 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 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Take note that I did not sign up for an account with these original creditors.. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first ... I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2019-08-07 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:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my XXXX and Experian credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/19, a representative from this company told me that failure to remit payment of {$1000.00} immediately would result in my credit score dropping up to 100 points and inferred that I wouldnt be able to get student loans next year because an unpaid debt was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my Transunion and XXXX credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing

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 2019-08-07 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:
there is no sufficient information to support XXXX  and Experian 's claim, XXXX XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP

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 non-monetary relief
Consumer complaint received 2019-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
there is no sufficient information to support Transunion and XXXX XXXX  claim, XXXX  XXXX. This creditor has been posting my payments late but i religiously paid on time. Please remove the late remark from my credit report ASAP

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 2019-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX  XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. 

My consumer ID is 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 2019-08-07 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: GA

Complaint narrative:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

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