vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
On XX/XX/XXXX I noticed on my credit report an account on my report that was not mine I called the company in question that day and reported it to them the took it from there I also contacted XXXX XXXX and reported it as fraud as well and put a flag on my credit for future fraud attempts the amount is for {$11000.00} according to my credit report and the company is Jpmcb and I do not have any knowledge of this account its a fraudulent account and this account according to my report says this was closed on XX/XX/XXXX and that it was opened in XXXX of XXXX and it says it has XXXX XXXX and never had a XXXX  I dont understand any of it these are things on my report that dont make any sense the fact that it just suddenly appears on my report is unexplainable and very disturbing to me ... Jpmcb removed the account from my report back in XX/XX/XXXX and then just today XX/XX/XXXX sent me a letter dated XX/XX/XXXX which is extremely late and it says they found that it was my account and theyre going to send it to the credit bureaus I just dont understand the angle or game here this company has played enough games with me to last a lifetime I dont want any contact with them as I already feel threatened and harassed by them they show up one day and now this and I dont even know who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX has a collection on my credit that was opened in XXXX and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXXhas a collection on my credit that was opened in XXXX  and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.

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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC 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 2021-01-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed that i have been a XXXX of XXXXXXXX XXXX for a few years now. ( XXXX XXXX ) placed a XXXX  on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: CA

Complaint narrative:
In 2018, I was the XXXX of XXXX. My bank at that time, Key Bank, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to key bank, made libelous, false claims to my bank. She also filed a false police report with the XXXX XXXX  XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. Key Bank, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. Key Bank participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to Key Bank. This claim of me owing money is completely false, as I was the victim of fraud. Key bank actually owes me money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The Co. is Specialized Loan Serviving, XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX The last 2 months i haven't been getting a statement so i can pay my bill. I have called 4 times to ask for them, they tell me it's in the mail. 

They won't look into it or anything. I think they want me to be late so they can take my house. 

They did the same stuff in XX/XX/2019.

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 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.

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 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns Appliances Inc, has been sending Bills and payment request to My home .I have no Knowledge of this Acct # XXXX. I have asked several times to provide me with any documentation to show proof of Debt and monies owed or ownership of account # XXXX. I continue to receive Letters and Brochures to My home address asking for New Credit and to come Shop with Conns easy financing and terms. I believe their efforts to secure Business has landed a fraudulent account in My namesake, Due to the Quote " easy terms and credit Approval ''. This has made it simple for a Store employee to make an account in My Namesake and obtain Credit and damage my Good Credit Standing or Fair reporting against myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I opened an account with Binance US in early XX/XX/2020 and transferred my cryptocurrency holdings from their international website Binance.com in accordance with their requirement to use the US based website to comply with regulatory standards. I was able to transfer my holdings and sell my cryptocurrency. In order to withdraw my money held with my account on the website, the website asks for identifying information like a copy of my driver 's license and bank statements which I uploaded to my account. 

I then received an email saying my information was not accepted and was then locked out of my account. The website won't let me reactivate the account without answering security questions but everytime I try to start the process, I get a " system busy '' error message. 

I have opened two customer service tickets and waited on their chat portal for several hours over the last two months but have still had no response. 

My money is stuck with Binance and I have no way to contact them to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my Chase credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account is not mines and i want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: MD

Complaint narrative:
I XXXX XXXX the consumer, original creditor, natural person. Pursuant to Federal law 15 USC 1692 American Education Services is a 3rd party debt collector and is in violation of 57 Federally protected consumer law violations. American Education Services has failed to obtain and send verification of this alleged debt by not mailing me a contract. Instead of sending me a contract of this alleged debt, American Education Services sent statements which alleges we have a business agreement and we do not. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Due to the fore going, you have caused me additional stress, frustration, credit damage, and costs. Furthermore, I XXXX XXXX the consumer, original creditor, natural person am not delinquent because there is no law that defines delinquency. This was initiated through the use of the open end credit using my social security card pursuant to 15 USC 1602 ( f ). 



You have also waived your opportunity to amicably resolve this issue without the need to litigate. This was your last opportunity to mitiage this matter and as a result I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing INC are violating my rights because they are still reporting this UNVERIFIED debt as mine and they're many inaccuracies in their reporting. In response to my initial attempt to validate the debt they responded with a bill.. A bill DOES NOT constitute as debt validation.

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 2021-01-12 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: CA

Complaint narrative:
At the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I struggled to pay my bills on time. I was late in paying a Chase credit card bill for a period of 3 months but ultimately was able to pay. I understood that there would be some forgiveness for late payments during this time however the lates show up for my credit card on the credit card bureau reports. I tried to get these lates removed as it is having a negative payment on credit score but the lates are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late

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 2021-01-12 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: CA

Complaint narrative:
During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 USC 1681 ( a ) ( 1 ) Congress states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( a ) ( 4 ) Congress states Equifax ( the consumer reporting agency ) has a grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report., Equifax is in direct violation to 15 USC 1681a ( 2 ) ( B ). Equifax violating Federal law is not fair, inaccurate, not equitable. I a federally protected consumer and a natural person does not find value with my consumer report. That is what accurate means. I do not benefit from this direct violation of federal law that is what equitable means. This is impairing the banking system and undermining my confidence in the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XX/XX/XXXX Card that added up to approx. XXXX. At that time, when I noticed it, 8 months had passed. After being with this Bank with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity Also with my card not being present!. On top of everything else, My other cards were cancelled as well!! along with my credit being destroyed! I would hate to say that this is a case of discrimination, but it appears that way. 
After numerous attempts have resulted in numerous declines unacceptable reasonings. I feel discriminated against. They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused XXXX to acknowledging the documents. 

To be an XXXX American, Independent XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating.

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 2021-01-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax, and XXXX are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have disputed this debt several times with this company and the credit bureaus. I have no knowledge of this debt and have asked and written requesting proof of debt. They have yet to provide the debt. They continue to report this debt on my credit report. 

This account was sold by XXXX XXXX and no longer have claims to it.

Company response to consumer: Closed with explanation