vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: NY

Complaint narrative:
I sent a letter to Experian disputing 8 accounts as erroneous on my credit report XXXX XX/XX/2021 ) and mailed the letter certified, return receipt requested. I received notice in the mail that the letter was received on XXXX XX/XX/2021 ). By XXXX XX/XX/2021 ) I did not receive any results from any investigation. On XX/XX/2021, I mailed out another letter certified, return receipt requested, Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per deleted item that letter was received by Experian on XX/XX/2021.

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 2021-06-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX is inaccurately reporting my loan payments as 30 and 60 days late and they were not. The amount I paid was paid on time but was more than the monthly payment because my escrow amount changed. I contacted them as soon as I noted the error and each time they told me that it was being corrected. They put my money in unapplied and never credited my account. I continued to call and each time they told me that the account was being corrected. They never corrected the account and actually sent my payments back. I had to deposit the checks they sent to me in my account and then make my payments over the phone. I have documentation from my bank showing that the payments were made on time and also of all my conversations with the mortgage holder. I simply want the inaccurate late payment flags removed from my credit report.

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 2021-06-03 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: FL

Complaint narrative:
I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have tried to transfer money through XXXX XXXX to help people in need in the XXXX. The transfer did not go through for no reason and a refund has not been completed yet. XXXX XXXX claims that the funds were returned to Chase and Chase claims that they have never received any refunds. I have been on the phone for over 10 hours with both financial institutions. I have emailed, faxed, called, XXXX to solve the issue with no luck. 

XXXX XXXX claims that they have refunded the funds to Chase and Chase claims they have not received the funds. Thus, the funds have been disappeared. 

Transaction date : XX/XX/2020 Amount : {$300.00} XXXX XXXX transaction Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
CFSI is attempting to collect a debt with an amount that can not be confirmed with the originator of the debt with a service date of XX/XX/XXXX. I reached out to my insurance at the time for this service and they were billed for a hospital bill in XXXX. The total of the bill was {$510.00} dollars. My portion was {$18.00} which I paid. Regardless this debt is time barred according to WA state law RCW XXXX stating that debts are only collectable for 6 years. It reached the 6 years in XX/XX/XXXX. It is illegal to attempt to collect this debt in WA state according to law and case precedence. When I reached out to XXXX  XXXX the folks CFSI said they were collecting on behalf of they even stated the debt was time barred even if it were accurate and true. 

I would ask they remove it from my credit immediately. In addition this company lied to me on a recorded call stating that they spoke to me XX/XX/XXXX from a previous complaint I filed with CFBP ID XXXX in their response.They never spoke to me as they stated on the recorded call they didn't have my account in XXXX as a manager stated on the recorded call. When I asked for their debt liscese number they also refused to give it to me on the call and referred me to their website instead. 

They are using misleading practices to attempt to renew the statute of limitations of this debt which is illegal. I purchased a home in XXXX and XXXX and have monitored my credit very closely. It is very strange that a debt over 6 years old has now come up in collections. In addition I have never received any other information from this company. I reached out to them when I received notification form My Fico. The information they providing is false. The recorded conversation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc.
State: MO

Complaint narrative:
This is a MOBILE PHONE ; it is illegal to call this number under the TCPA and continual non-stop harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN FRAUDULENT MEDICAL SDERVICES FROM YOU. THE FOLLOWING ACCOUNTS WERE FRAUDUENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL SECURITY CARD.

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Debt collector is trying to obtain a payment on XXXX bill that does not belong to me. The account was opened on 2019 however I have been with the same cellphone provider for 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called XXXX  in order to complete an order for a flight visa, however, I was scammed for {$7900.00}. I gave the company my debit card number with the intension to purchase a travel visa for {$250.00} however, this company was able to hack into my bank account and XXXX themselves for over {$7900.00}. I reported this issue to the bank and they did not recognize it as fraud and will not proceed to any further measures to obtain my funds back. This person with this company hacked into my bank account and made unauthorized transactions. Chase bank has been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased a motorcycle in XX/XX/XXXX and the loan was paid off in XX/XX/XXXX. I never received a release of lien in the mail. I am now in the process of trying to sell my bike and realized I ldid not have the " release of lien ''. I contacted Synchrony Bank on XX/XX/XXXX to obtain a copy of the letter. After a lot of dead end leads and being sent to the wrong departments, I was told on XX/XX/XXXX that it would take 4-6 weeks to get me letter. On XX/XX/XXXX I followed up to make sure they were processing my paperwork and sure enough there were not. I was told that they would expedite it and have it to me by the end of the next week ( XX/XX/XXXX ). On XX/XX/XXXX I called again as I still had not received the letter. The girl I spoke to read through the notes and said the letter had not been mailed yet. The would put the request through again and it would take 7-10 days. I then made more calls and got ahold of a " manager '' and she told me that it was mailed out on XX/XX/XXXX. She lied because I never received the letter.. On XX/XX/XXXX I called again and of course it still hadn't been processed/mailed. I was told AGAIN that they would expedite it. I asked if they could XXXX it to me and I would pay for the charges. I was told they could not. On XX/XX/XXXX I followed up yet again. Still not processed but said they would XXXX to me the next day and I should have it on the XXXX. Still did not get it. I tried to get the tracking number and was told they would call me back with it but they definitely sent it to XXXX on Monday XX/XX/XXXX. They did not call back. I called on XX/XX/XXXX to get the tracking number from them. I called back on XX/XX/XXXX and they said they would again put in the request to have the letter sent through XX/XX/XXXX and, again, I followed up on XX/XX/XXXX to see if they actually did it this time. Of course they did not and I was told it was going to be processed that day. I followed up on XX/XX/XXXX ( today ) and it has not been processed as of today.

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN THIS FRAUDULENT ACCOUNT IN MY NAME : XXXX OPENED : XX/XX/2020 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As recent as last month, I have been requesting to have an old charged off account with Capital One removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for Capital One in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

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. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a Chase Amazon Prime account. I have tried multiple times to sign up for automatic payments. I thought that the company had accepted my information an would process the payments each month. However, they didn't. Now the are charging late fees to my account and wrecking my credit rating. I have not had this level of difficulty with any other credit card. I have paid more in late fees than I have actually charged on the account and they also charge interest on the late fees and take away any points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account has been paid in full, and per the creditor Midland Credit Management - this account was supposed to be deleted from my credit profile after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was approved initially for a {$1200.00} limit through Synchony bank. I made a purchase of {$140.00}, which I planned to pay off to boost my credit. AFTER I already had made the purchase I received a letter saying my balance was decreased {$1000.00} down to a {$200.00} total balance. I had already made a purchase on the card and therefore my utilization on my credit report increased to 51 % and my credit score dropped 22 points. I never would have made the purchase if I had known this was going to happen. I contacted the company with no help. I feel as if Ive been scammed and now Im stuck paying this off and my credit has been ruined.

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 2021-06-03 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: GA

Complaint narrative:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

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 2021-06-03 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: GA

Complaint narrative:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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:
This account has been paid in full, and per the creditor XXXX XXXX XXXX - this account was supposed to be deleted from my credit profile after it was paid.

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 2021-06-03 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2021 Navy Federal Credit Union performed a " Hard Credit Check '' on my account. I have never had an account with them, I have never consented to signing up for any kind of account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

INQUIRY 1. XXXX  XXXX XXXX XX/XX/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 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In or about XX/XX/2020 my bank account from Bank of America was closed due to a fraudulent deposit from the state of Arizona for unemployed benefits. I have never been unemployed. At that time I was serving as a health care recruiter for the US ARMY station in New Jersey. I told them that I was station in NJ and that I don't received any benefits specially from AZ. During all this time we been going back and forward with this issue and we always get its still getting investigated. My wife account was closed with {$15000.00} dollars and they refuse to give back the funds. Multiple times we get told that our cashiers checks are made but they are in a office that handles the investigations. I have provided all my pay stubs from DFAS and nothing. We are advised by the customer service to call every day but our efforts are not enough. By this I request assistance in this matter.

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