vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: DC

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX i sent a certified letter to Sequium Asset Solutions , LLC asking for debt verification in regards to a collection letter they sent me. It said to contact them if I disputed the debt. I did dispute the debt. Attached, you will find the letter I sent along with all of the verification that they did receive my request. IE : Certified Mail receipt and Fax confirmation page. 

It has been two months and I still have not received verification of debt. This is still showing on my credit report. It needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attempted to fix the issue with Trans Union a number of times and have not been able to get the help needed. There is a bankruptcy reporting on the credit profile that is not accurate I have disputed where they advised they verified the information as accurate. When I called on XX/XX/20 to ask who is the third party they verify the information with so I can work with them as well to correct the information I was advised they are not able to advise who that third party is. ( please review the call ) That goes against my FCRA rights of providing me the method of verification. I have worked with XXXX XXXX and confirmed they are not reporting a bankruptcy as that is the method of verification that XXXX and XXXX use I have attached my recent XXXX XXXX report for your verification of no bankruptcy reporting. XXXX XXXX also advised they sent information for the dispute of the bankruptcy to Trans Union and had no response. I mailed a letter on XX/XX/20 to Trans Union asking for their method of verification of a bankruptcy as well and was not provided the information within the 15 day response time frame they are suppose to respond. The bankruptcy needs to be removed due to inaccurate information.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I open a checking and saving accounts with chase and shortly after left the US The account was using my foreign address 6 years later the accounts went into dormant state and despite having access to online site and costumer support I can not reactive the accounts or get the funds in the accounts The bank only options given to resolve this issue were : 1. Come to the branch with the proper documents ( Not possible as I am no longer residing in the US ) 2. Send a letter with the account numbers and request reactivation ( I do not have those numbers available and there is no way to get them from the bank ) All I want is my money back and currently there is no possible way for me get it from JPMChase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: TN

Complaint narrative:
I was contacted on XX/XX/2020 XXXX by Real-time Resolutions XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The agent said they were calling about an unpaid debt to XXXX  XXXX XXXX in the amount of {$5000.00}. I advised the agent that I am unsure about the information being given and requested a debt validation letter. I have my mailing address and waited to receive the information in the mail. It is my understanding that collectors have 5 days by law to send this information. Two months later I began receiving harassing phone calls to make payments on a debt that has never been validated. On XX/XX/XXXX at XXXX XXXX  I spoke with an agent by the name of XXXX and advised her of my rights and that the debt validation letter hasnt been received. She places me on hold several times and began to become very forceful in her tactics to collect said debt. I advised her that she is in danger of being reported by violating my rights and the line became disconnected. This is my formal complaint against Real-time Resolutions for violating my rights under The Fair Debt Collection Practices Act and refusing to send a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$150.00} Chase magnet Card ending in XXXX This interest fee charge is from a {$2000.00} statement balance. 
The card company ( Chase ) was called three times today. Each time I got disconnected. They told me they have phone problems, and have been unable to explain why this charge is as high as it is. 
They told me they do not have a virtual chat i can take this further. Chase private client says i have to call back their card team. This is not working, and this interest payment seems to be about 8 months worth of interest for the given statement balance. 
Please take a look at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My husband and I have been pulling our free annual credit reports online since XXXX from all 3 agencies. Beginning in XXXX, we were no longer able to access Equifax for either of us, we would get messages we were denied online access. It is impossible to try to speak to a live person which I have tried to do each time after we have tried to pull our reports. We will not send our ss # and other ids through the US Mail as we have experienced full ss # s on 1099 's being lost before. The alternative is to use the phone option which is an absolute nightmare. It can not understand voice prompts, it does not recognize keypad prompts and just hangs up so you have to call back multiple times and attempt the same process to try to obtain your report. We have only one landline phone number associated with both of us which also complicates the process because once one of us gets through and requests our report, it retains the personal information from the first person and the second person has an even more difficult time requesting their report. It can take up to an hour to perform this task for the first person and longer for the second person that we are able to do in just a few minutes for XXXX  and XXXX online. We have tried using different hard wired and cordless land line phones and nothing seems to help. Other than Equifax 's security breaches, we have had nothing change on our end. We have lived in the same house for over 30 years. I do not know why this is such a hassle with Equifax when there are no issues at all with XXXX  and XXXX. What can we do other than stop trying to pull Equifax reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TN

Complaint narrative:
The car I have financed with Westlake Financial Services was paid off by my insurance on XX/XX/2020 due to a total loss. The check has been received and cashed by Westlake but it has not been applied to my loan. Westlake has stolen a {$26000.00} check and is still billing me and charging me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reported bank fraud to Chase Bank. Someone wired money from my savings account to an external account that I did not authorize. I reported it to chase the next day, they gave me temporary credit, told me to close my savings account and open a new one. Two weeks later my claim was denied, chase stated the wire was from a recognized device but would not tell me what device was used nor the name to the wire it was being sent to. All the information that was given to me was it was wired to a XXXX XXXX account ending in XXXX. I do not have a XXXX XXXX account nor know anyone that has a an account. I asked chase for the investigation report but they would not provide it for me. The amount wired out of my account was {$940.00} and {$940.00}, during the claim process Chase gave me " temporary credit '' and as soon as they closed the case they took it directly out of my checkings account without warning. After many calls with Chase bank they have not helped me recover anything or have helped me in the proper steps to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Apparently PNC won't link with XXXX anymore??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX in XXXX OH since I wanted to open  another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2, I learned that all my other personal accounts are also frozen and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX passport and they are XXXX XXXX XXXX and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CA

Complaint narrative:
I am preparing to purchase a home, I have been monitoring my credit report thru XXXX XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit on Equifax. They have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had to be quarantine in my home in XXXX Florida and work from my house and my computer and Purse were in my property and acquaintance of my daughter came over and he was able to get my debit card on my Social Security and credit and look on my computer and my passwords and he used my debit card and it was {$7000.00} and Wells Fargo would not communicate with me they wouldnt let me talk to anybody because I found out what happened and I gave them all the reports and everything and they denied my claim and they also gave me are the run around for two weeks I had Evidence and everything but they still wouldnt let me update would it happen it has been a nightmare

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 2020-06-10 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is the account that I am disputing SYNCB/OLD NAVY As you can see the last verified is missing also only XXXX  reporting 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 2020-06-10 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: GA

Complaint narrative:
There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX, XXXX, TU ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX XXXX - Opened XX/XX/XXXX Balance. 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 2020-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : 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 2020-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : 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 2020-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I used Paypal to make a purchase that ended up to be fraudulent. Paypal did nothing to help me. I spent well over two hours writing complaints, constantly coming back to read someone who once again did NOT read my complaint, and responded with an answer that had nothing to do with why I was complaining. I BEGGED for a supervisor, but nobody would accommodate me. This last complaint, I pleaded for a supervisor to help. Instead another person comes back to say, you just need to mail back item seller will refund. Oh my, she didn't bother seeing that it was a washer and dryer. I'm done with Paypal, and tried to close this account, but they REFUSED to allow me to leave. I want to file a complaint to close that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I received an alert from XXXX  about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX  notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I established autopay on my Citi Credit Card on XX/XX/XXXX which was confirmed by Citi when I called them on XX/XX/XXXX. They charged me a late fee of {$29.00} because I missed my XXXX payment deadline which was XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX confirmed that there was an issue with the autopay on their side which is why it didn't take. That person re-established the autopay and made a one-time payment for the payment that didn't go through, which I asked them to do. When I asked them to reimburse the late fee as it was their issue, not mine, ( I did what I was supposed to do ) they transferred me around and eventually I was hung up on. I messaged with Citi today, XX/XX/XXXX with a XXXX and she said they can not reimburse the {$29.00} late fee and that I need to call in. I'm sick and tired of calling in, sitting on hold, and being transferred all over the place for no response. They've acknowledged this was their issue and they need to fix it.

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