vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I put in a dispute to my VISA Chase card when I did not receive the service I paid for from XXXX. The credit card said that they allowed the merchant to be paid without providing the service because the merchant provided an fake email from another person in my family, who is not allowed to use the card, stating that I no longer wanted to dispute the charge. If I didnt want to dispute the charge I would have contact the bank, not the merchant. Technically, The credit card allowed someone not on my account to cancell the dispute. Although no one in my house did. I asked to see the proof of this statement and they ignore my requests. I wrote to the Chase executive office, and the Dispute Department of several occassions with no answer. I requested to see the document they claim ended the dispute. My complaints are this : 1. No one should have access or any say regarding my accounts except the people on the account. I provided a signed statement from the person they claim told the merchant that I didnt want to pursue the dispute, stating that he did not such thing. THE DIRECTION TO CANCELL A DISPUTE I PUT IN SHOULD COME FROM THE CARDHOLDERS TO THE CARD, NO TO THE MERCHANT. I SHOULD HAVE BEEN CONTACTED TO ASK THAT THAT DOCUMENT WAS TRUE AND LEGITIMATELY FROM ME. The dispute department is in XXXX and so is the merchant. This is illegal. This has been going on for months now. I just keep sending the same things to then as second and third requests for an answer. Pls help I received no service for the {$400.00} charged. That should be proof enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/2019 unauthorized XXXX XXXX  XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX XX/XX/2019 unauthorized XXXX XXXX XXXX   XX/XX/2019 unauthorized Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I gave my ex roommate a deposit for an apartment share on XXXX of XXXX which was {$920.00} including utilities. She gave notice by bogus electronic means after she had already vacated the apartment and again, without my knowledge, that the lease was up XX/XX/XXXX. XXXX XXXX XXXX  XXXX was the legal tenant on the lease and gave me an illusory tenant agreement which led to a highly suspect eviction and my current XXXX. While my rent and utilities were included in my monthly payments to her- she or XXXX XXXX XXXX  company changed the utilities into my name without my knowledge or consent and now they are attempting to collect and ruin the credit I have been trying to rebuild for years. 

XXXX XXXX XXXX XXXX XXXX or XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY 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 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
We purchased kitchen appliance from Best Buy in XXXX they could not deliver when needed so we cancelled all items. they keep telling us there is a balance of {$360.00} when we ask them to explain the balance they can not give us any details. I added up all receipts and credits they equal {$10.00} which was a donation to XXXX XXXX. When I finally figured this out myself we paid the XXXX dollars. I have written the credit card company the CEO at Best Buy the Local Store and disputed through XXXX. XXXX  completed their investigation and said Best Buy saids they are correct end of dispute

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 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
In XXXX of 2020, I applied for a new payment plan for my student loans with Nelnet. My payments were made to be smaller and paid later. I confirmed this with Nelnet. On XX/XX/XXXX of 2020, the amount of {$110.00} was taken out of my bank account by third party XXXX XXXX  XXXX. I had never seen it before and the amount doesnt match up with the amount that my payments to Nelnet would be. I contacted XXXX XXXX  XXXX and they gave me the contact info of the servicer that withdrew from my account. I was given an email, XXXX, and their phone number, XXXX and have sent countless emails, and still have received no reply. Im worried that I may be getting scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I spoke to hyundai finance  and they told me they dont see any late payments on my account and to call the credit dispute and to tell them theres no late payments on the account. I asked hyundai if theres anything they can do on their end and they said I have to call the credit dispute. So I called the credit dispute and filed a claim only for it to be rejected. Im asking for you to please remove the late payment shown around XX/XX/2018 from Hyundai motor finance as its completely inaccurate and severely damaging my credit. 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 2020-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Equifax. I am still disputing the XXXX XXXX account. I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Equifax is still reporting a past due amount. By law this is illegal. I am asking that the entire account be deleted. I have attached a letter from XXXX XXXX stating that the debt has been sold. Equifax has updated and is still reporting incorrectly. I am asking that this debt be removed. 

Also there has been no response since XXXX which is longer than the 30 days. Remove the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
We have tried to settle the debt owed for the pst week XX/XX/2020, she refused our offer multiple times, she then suggested it will hurt our credit score and stated she knows we can afford a payment arrangement. Then threatens that she will check to verify employment to garnish wages when we hadnt been sued yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/2020 I tried to make my online payment with TD Auto Finance web site it was not working correctly. I called TD Auto fianc and asked the rep if she could see I made a payment she said no so I made payment with Debit card. On XX/XX/XXXX I checked my bank and saw TD Auto finance had taken another payment thru my checking account. I called them the rep told me he we can call my bank and verify the funds I explained the funds posted today then he told me he can only hold 3 min and the wait time to speak with a rep at XXXX was 12 min. I I asked him how can I get my funds back he said I had to send a notarized bank statement to TD. I explained they took the extra payment they should be able to refund it. I went to XXXX branch and the financial rep there called TD to inform them yes funds were received and 2 payments were taken. The rep from TD Bank told the financial rep at XXXX it would take 30 days to get the funds back. I feel in these times with the Covid yes Im blessed to be working but still need my money back on their mistake and it should not take 30 days when they are a bank. I disputed the payment with XXXX my bank they will refund my money but now their will be fraudulent report with their billing system and it will block me from making payments going forward I will not do XXXX XXXX or XXXX XXXX TD Bank has to correct their policies so this does not happen again and customers should be able to get a refund with in 5 days not 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 2020-05-12 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}

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 explanation
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}

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 explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
i was with XXXX which has been sold to Shellpoint, Shellpoint is wanting me to pay almost {$10000.00} by XX/XX/2020 they stated that I have made no payments from XXXX XXXX thru todays date XXXX XXXX they are going to foreclose on my home, and are not willing to work with me, I have sent payments XXXX, Shellpoint will not accept the last 2 payments until the {$10000.00} is paid in full, I do not owe this amount, I have no way of knowing what was done with my payments, Shellpoint is not willing to work with me, now they want a letter stating why I was late, I am not late. there is no way I could have gone 10 months with out a foreclosure before now I can prove 5 and still working on trying to find my payments which are already paid for a year, I have 2 money orders that Shellpoint will not even accept. please I need help,

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 2020-05-12 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: CA

Complaint narrative:
XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX, EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and 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 in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: FL

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
My hours were cut at work due to covid-19. I sent a letter with a payment saying not to contact me that I would make a payment every other week because of my situation. They cashed my check but still called me. I got a call from them so I picked up the phone and asked the lady while she was calling me when I sent a letter saying not to contact me. Her response was because you still owe money. I informed her not to contact me that is was breaking FDCPA rules. When I sent in my next payment I sent in another letter telling them to stop contacting me. But again the continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: MT

Complaint narrative:
ARS has been harassing me for months. Prior to the harassing phone calls they never mailed me any information regarding any alleged debt that they are trying to collect. I am confident that by them not sending me an initial letter communication for me to dispute any alleged debt that the debt they are trying to collect is not valid. In my letter to XXXX, I requested ARS to send me any documentation ( validation ) that they have that I owe a debt, documentation that the alleged debt is to ARS, & a copy of a contract I have with ARS signed by me that I have an alleged debt for any unpaid services that they provided for me. As of todays date ARS never complied with my request. I first received a phone call from ARS on XX/XX/XXXX at XXXX XXXX  and another phone call from ARS on XX/XX/XXXX at XXXX XXXX. ARS masked their phone number by using the number XXXX. On or about XX/XX/XXXX I sent ARS a letter advising them & demanding them to cease and desist from any attempt of future contact with me. Unfortunately, I continued to get phone calls from ARS ON XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, & XX/XX/XXXX at XXXX XXXX. again masking their # by using XXXX. The Fair Debt Collection Practices Act, or FDCPA, was passed in XXXX to protect consumers from being harassed by debt collectors. ARS is knowingly and willingly violating my rights granted to me by the FDCPA. ARS has called me at inconvenient times, such as before XXXX XXXX and after XXXX XXXX in my time zone, ignoring me when i asked them to cease & desist after they didn't provide me with my requested information ( mentioned in the 1st paragraph ). Furthermore, ARS is knowingly & willingly violating my rights granted to me by the " Truthin Caller ID act ''. FCC rules prohibit anyone from transmitting misleading or inaccurate caller ID information with the intent to defraud or obtain anything of value. ARS has and continues to display false representation & communication tactics. Based on ARS website they are located is located at XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The reason they mask their phone number and show a XXXX area code is because XXXX is the XXXX area code and my cell number is XXXX to try and deceive me in answering the phone. ARS is not located in XXXX! A DEBT COLLECTOR CANT USE ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COMMUNICATE WITH SOMEONE IN ATTEMPT TO COLLECT AN ALLEGED DEBT AND OBTAIN ANY INFORMATION FROM AN IDIVIDUAL OR ABOUT AN INDIVIDUAL

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation