vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXXXXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : SANTANDER CONSUMER USA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THESE ARE THE ACCOUNTS ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$810.00} 2 )  XXXX XXXX - XX/XX/XXXX -AMOUNT {$250.00} 3 ) XXXX XXXX -DATE XX/XX/XXXX -AMOUNT {$650.00} 4 )  XXXX -DATE XX/XX/XXXX -AMOUNT {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I reported fraud on my Barclay card ending in XXXX. I received four letters ( 2 in XX/XX/2018 and 2 in XX/XX/2018 ) informing me that the account was close due to fraud. The letters stated that the account ending in XXXX was closed due to fraud, the fraud investigation has been completed and that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud-related information from your credit report. Today, the new account ending in XXXX has the fraud activity on it and the fraud has not been removed. I have been paying on my card with autopay for months and stop it in XX/XX/2018 ; when I realized that autopay was on. I owe nothing more on both accounts, Barclay card ending in XXXX and nothing more on Barclay card ending in XXXX. Please close these accounts and report both of them as fraud. This credit card has been a nightmare and I don't know what to do. I filed a police report as instructed by XXXX representative. XXXX Police Dept. Report CC # XXXX. I put in a dispute for fraud regrading Barclay card to the following consumer credit reporting agencies : XXXX and XXXX  as well as security freezes on my credit accounts. Please help! 
I paid approximately {$2000.00} from the {$14000.00}.

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 2019-04-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed a card with false charges and they did not remove it. I contacted the credit lendor and they apologized and send a letter to the credit bureau to remove it from my credit history. I disputed it again with the help of the credit lendor. I just got notice that the credit bureau is not removing it from my report. Why when the actual credit lendor says to remove it? You can contact them as you wish, they have already sent the letter.

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 2019-04-08 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: SC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXXXXXXXX

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
IQ Data has repeatedly contacted me about alleged damages from my time at XXXX at XXXX Apartments, stating that I owe damages from last year. I have sent them a copy of the relevant portion of the Arizona Landlord Tenant Act, which states that the debt is not valid because the apartments did not send the itemized list of alleged damages within fourteen business days of my move out date, yet IQ Data claims that law doesn't apply, and they have threatened to ruin my credit if I don't pay this debt which state law says I don't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
My Western Union acct # XXXX. I only used it once to wire money to my friend in XXXX on XXXX XXXX, 2019. On XXXX XXXX my second attempt was refunded to me. When I called WU the rep questioned my relationship with my friend. One day later, I was sent a request to pick up the refund for complete transfer amount and fees with their agent. I was puzzled, but tried a week later to send to the same friend but was stopped at the input at agent pc. I received a security code message but did not record it. A few days later I tried to send again on my own pc and was not able to do so. I went to a storefront agent and was not allowed to complete the transfer. It seems my name or my friend 's name was being flagged. On XX/XX/XXXX, I tried another vendor " XXXX. '' They took the transfer via pc, but the next day canceled the transaction and even closed my account. Since then I have been trying to get an answer out of WU. After my second attempt to transfer money they must  have flagged my name. I have been in email contact with them for weeks with no response. I am unable to talk to the correct department directly. We can only communicate via email. They make promises that they do not follow through to give me an answer as to why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I did an online loan back in XX/XX/XXXX with XXXX XXXX for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called AD ASTRA RECOVERY SERVICE located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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 — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX Fifth Third Bank received a letter disputing the account they were reporting on my credit report. ( Please see " Fifth Third Bank Letter 1.pdf '' and Screen Shoot For " Fifth Third - Delivery One.png and " Firth Third Bank - First Signed.pdf '' ) I know that Fifth Third Bank had 30 Days from receiving my dispute to respond and added place a " Notice of Dispute '' on my credit report. 

30 days after XX/XX/XXXX I checked my credit report and Fifth Third Bank Failed to place a " Notice of Dispute '' on my account. 

XX/XX/XXXX, I sent a follow-up letter to Fifth Third Bank. ( please see " FIFTH THIRD BANK Letter 2.pdf '' and " FIFTH THIRD BANK - Delivery Two.png and " FIFTH THIRD BANK - Second Signed.pdf '' ) The follow-up letter was to notify them of their mistake ; That they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day Period. 

Additionally, I've added signed copies from Fifth Third Bank proving they not only got the letters but also signed off on the letters. 

Finally, it is Monday XX/XX/XXXX about 6 months after and they still have not corrected their mistake. See " Fifth Third Bank XX/XX/XXXX '' png

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax 15 U.S.code1692 { XXXX } false and misleading representation, Equifax reporting on credit report falls under this code due to XXXX XXXX vs XXXX XXXX, NO CIV 03-0762 United states District court of Arizona Court rules that reporting on credit report indeed is considered collection activity in which you are reporting. you state you validated this alleged account stating there are payments made which is false and fraud, I demand removal of this alleged account or you show evidence where payments are made actual payment documents this alleged account is fraud remove at once. I am not a credit repair company just a concerned about my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SD

Complaint narrative:
Hi, I paid someone {$300.00} dollars for an agent fee for dropping off a dog to me, so I can dog sit that dog. That dog never came. I sent them money through the CashApp on his account, XXXX. I tried disputing on Monday, XX/XX/2019, the transaction with my bank, but they said they can't do that since I gave the money to the scammer. I even tried to ask the money back from the scammer, but they declined. I feel it would be best if they would. They scammed me out of my money, and they even sent me a fake check. I didn't even know it was a fake check until I looked at it more. This transaction was completed on Friday, XX/XX/2019. I even paid them through XXXX, but they said they would take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
# 1 CHASE CARD Closed : XX/XX/XXXX - {$5500.00} Closed Overview You're currently using 111 % of your account 's limit. 

Balance {$5500.00} Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$5500.00} Worst Payment Status No Info Account Details Account status Closed Type Flexible Spending Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX # 2. 
Closed : XX/XX/XXXX - {$2200.00} Closed Overview You're currently using 104 % of your account 's limit. 

Balance {$2200.00} Credit limit {$2200.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$2200.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed These accounts belong to my Brother XXXX XXXX XXXX. I should not be on these accounts! I did not authorize my name being on these account.nor did I know about them until I investigated my credit. My older brother is in prison due to CC fraud and murder. Please help me these CC accounts are causing Lenders not approving me for loans and is effecting my credit score. Ive payed all my bills on time and my credit score is taken years to go up I didnt know about these fraudulent accounts. Im trying to resolve the issue but Chase want return my calls. Please help thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Prepaid " reward '' card issued by XXXX through " XXXX '' on behalf of Discount Tire. This method of rebate or reward should be regulated by the government in the same way as gift cards or other prepaid cards. We purchased our fairly expensive tires through XXXX XXXX instead of other retailers in part because of an advertised {$70.00} rebate. Turns out, the rebate comes in the form of a prepaid mastercard that is extremely hard to activate and has an insanely short expiration period, after which the reward is entirely lost. I knew that gift cards could not expire for 5 years, and foolishly assumed that I had that protection for these bogus cards, but it turns out that, by the time the rebate is processed and the card issued, I had less than 5 months to use the balance or lose it. This is insane and unfair to consumers, it's essentially a bait and switch. The company issuing the card is doing so with the intention that many people who are drawn in by the offer will not be able to use it before it is invalid. Even one year would be more reasonable than this!

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 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
XX/XX/2019 I sent a debt Validation letter to verify the alleged debt. What I received back gives no indication that they even know what Im talking about, and seems as if they are asking me to validate it myself. CCHA ( the collection agency ) did in fact remove the debt pending investigation. I have attached the letter I received in response to my validation letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: VA

Complaint narrative:
This company utterly refuses to comply with the law regarding disputes for unauthorized purchases. I contacted this company initially on XX/XX/XXXX to advise of an unauthorized purchased through XXXX XXXX ... on XX/XX/XXXX I sent these people proof not only did I not make the purchase. They blocked my card on a weekend. And I spent two hours on the phone attempting to get a supervisor. These creeps have lied about the resolution date three times. Not only have I removed my payroll proceeds from the account. They keep charging me fees for an all but closed account. They lie over and over again about the date this matter is supposed to be closed. the initial resolution date was on XX/XX/XXXX they never responded to my inquiry then the date changed from XX/XX/XXXX to XX/XX/XXXX. Now they are just not responding to my inquiries, they have not refunded my money, and are tacking on a bunch of service fees. the only reason this account hasn't been closed is that they keep dragging this matter out while charging me fees for a closed account, so even if they refund me, they have assessed fees to ensure that I won't. This is the second request and complaint, which is the only reason they pretend to reach out. they know i want this account closed yet they continue to bill unauthorized fees

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
On XX/XX/XXXX I asked for a personal loan from XXXX XXXX XXXX XXXX XXXX. for {$500.00}. After that I was paying on cash back to the loan. After 5 years of paying the minimum payment I still have the debt but now the debt increase because they said that issued a check for {$1000.00} written XX/XX/XXXX and {$700.00} of XX/XX/XXXX.The problem is that I never received those checks. Then I started investigated by myself. I hired an Attorney but anybody gave me a good answer. I obtained a copy of that check, proof 1 back and fort of the check No XXXX. the said that my complaint did not proceed because the check It was signed for me. The reality the check I have never signed or received. During that time I was in the hospital. 
Until today after fighting 2 years trough attorney, and letters.. I still have problems with the check. 
Any body believe me. I am desperate everybody said that I can not do anything about that debt.

Company response to consumer: Closed with explanation