vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase ATM machine at XXXX XXXX XXXX. XXXX, CA XXXX ( AID # : XXXX, Term ID : XXXX ) is almost non functional and ate my money multiple times. 
What Chase does is that they ll issue a temporary credit and they ll deduct that amount few weeks later. 
Today I deposited {$1500.00} at XXXX XXXX when the ATM machine ate my money and gave me an error message and provided me with a phone number to call to solve this error. I will attach the scan of the ATM receipt. 

The amount is not added to my balance and I don't know what to do anymore. 

The last time that this happened a month ago, Chase at first gave me a temporary credit for {$600.00} and deducted it a couple of nights ago. 

They now owe me {$2100.00} that they stole from my via their faulty ATM. This is STEALING, THEFT. I am losing my mind how they could do this and get away with it. 

I am out of a job and my county is THE hotspot of COVID-19 in the country right now, Chase is stealing from me at worst possible time in mine and my family 's life. 

Please fix it and have these criminals return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I have written several disputes to XXXXhe Bureaus Inc, and have received no response at all. The yare reporting to my credit. This is a violation of the FCRA, they are not allowed to report to the credit bureaus without first letting me know. They have also not responded to any letters I've sent them, another violation of the FDCPA. They have failed miserably in their duty and must remove this erroneous account immediately!

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: MS

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are late payments with XXXX that is reporting on my credit report, XX/XX/2020 and XXXX 2020. 

These payments were made late due to me contracting XXXX-XXXX  and being hospitalized and out of work for almost 2 months. 

I tried to dispute this information on Equifax site but the site has been down for hours. 

I am an XXXX and my position requires me to not have consecutive lates with a single creditor. I am also applying for a mortgage refinance and these lates will affect the rates I am given.

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: MS

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
To whom it may concern : I am writing this letter of complaint against Helvey and Associates, Inc for falsely claiming a debt is mine and they took extreme action of reporting the balance to all 3 major credit boroughs while the dispute was still active. Helvey and Associates have never provided me an itemized bill of why I owe this supposed debt and they are unable to provide dates, times and itemization for the amount they say I owed. I did start to make payments during the dispute to avoid a negative mark on my credit but they breached their agreement and falsely reported the debt to the 3 major credit boroughs. My initial plan was to avoid being reported on my credit report and I would dispute the charge later. Helvey and Associates have no documentation or proof that the debt is valid and I know that my insurance covers 100 % of my medical treatment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, XXXX XXXX had a open vendetta against me and my roommate. I contacted the rental office XX/XX/XXXX, I moved out onXXXX and turned key 's in. The secretary said that she could not find a key sheet. I was with three people. She has fined me numerous times after having a small meeting and making agreements. I paid all the fines. I was unable to locate Ms. XXXX, it appeared we were being avoided. Me and two other people were there when I turned the key 's in because of the problems the rental office was having with being negative to me and other residents.. I took pictures of everything and how I left the apartment. I received and bill for this situation in XXXX. I contacted the rental office, they continue to dodge me. I saw her and I showed my pictures and told her there must be a mistake. She showed me pictures and said that was not my apartment. I had 3 people witness this. She will not accept proof. I did not own that stuff, and I had over 4 people with me during the process. I speaking XXXX XXXX, she was the debt collector for the case. I disputed the collections and showed them the pictures. She contacted me back told me that the rental office was not going to accept, they had there own pictures. That is not my apartment nor my belonging I had numerous people with me at the time I took the pictures as I was moving out. I sent pictures more than once. They refuse to accept my proof of the fact that is not my apartment in the pictures. I have shown pictures of problems with is apartment. They would not fix it or painted over top of the problem. I stayed on communication with them to the point I had no other recourse. I have to pay something because of a landlord who dis like me. They are making hard inquiry 's on my credit report causing problems, I can not moving in to anywhere because this marking on my credit. 

Account XXXX XXXX Move in XX/XX/XXXX - Move out XX/XX/XXXX. 
XXXX XXXX XXXX XXXX FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( toll free ) XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Va, XXXX, Phone # not available. Office have multiple changes often.

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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX and Portfolio Recovery Associates. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, XXXX  and XXXX  previously sent to XXXX XXXX  and Portfolio Recovery Associates yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX and is the person responsible for the account under XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with other of these entities. I have sent notice several times under Section 609 of The Fair Credit Reporting Act which requires BOTH entities to produce specific information, including but not limited to authorizations to pull credit ( specific dates ) and/or contracts or agreements purportedly signed by me. As if the submission of this complaint neither entity has complied with Section 609 FCRA yet BOTH continue to erroneously and unlawfully report a derogatory item on my credit report that is not mine. I am once again attaching notice under Section 609 FCRA addressed to XXXX, Equifax and XXXX  previously sent to XXXX XXXX and XXXX XXXX XXXX yet never responded to by either entity. As of this complaint BOTH are in violation of Section 609 FCRA which is enforced by the CFPB. I am asking for enforcement of this statute if either entity fails to comp, yvwith my Notice under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
They froze my account because I am a XXXX XXXX I XXXX  XXXX and XXXX them to potential  XXXX. They deposit the money in my account then I release the funds. My account was frozen because funds was placed in 3 times in one day and they stated the a XXXX  stated they sent money in my account by mistake after I already released the bitcoins. It has been a month and Noons has even tried to assist, they are giving the run around

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XXXXr XXXX,2020 my PNC account was hacked.I called the number on the back of my card, " XXXX '' told me he would be working with the XXXX Support ( hackers ) to protect my account. Together they told me to protect my money, {$9000.00} in 2 different credit cards, I needed to buy gift cards in that amount so the hackers couldn't get ahold of my money. They would then give the gift card info to PNC to replenish my account. 

I was under the impression the whole time that PNC and XXXX were working together to protect me. 

In retrospect it is clear to me that the hackers were able to intercede my call to PNC. 

The police came and filed a report. I went to PNC the next day and they said they knew nothing about this. I closed all my accounts and credit cards. 

I received a letter XXXX2020 they were unable to honor my claim.

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: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXXXXXX XXXX  and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, Transunion continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXXXXXX XXXX  or XXXX XXXX XXXX in my name. The failure of Transunion to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by Transunion did not require XXXX XXXX nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Balance owed {$1200.00} There has been no response to many of my letters to XXXX, XXXX or XXXX  about this account. Letter was sent XX/XX/20, and follow ups on XX/XX/20 & XX/XX/20. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Also sent letters to Commonwealth directly on XX/XX/20 and a follow up on XX/XX/20 and they have also not responded. 

Date opened on XXXX show XX/XX/20 but XXXX  and XXXX  show XX/XX/20. ( this was also changed from the first report on XX/XX/20 ) The last active shows from my original report on XX/XX/20 when I started this dispute showed XX/XX/20 on XXXX  & XXXX but XXXX showed XX/XX/20.

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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TN

Complaint narrative:
I notice that this company Revco Solution , XXXX continues to violate my privacy and my rights according to FDCPA. This is defaming my character and this company is violating my rights as a consumer according to 15 USC 1692. I have provided my ID to help identify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
Google Pay will now allow me to delete my financial payment information from their service. This is a widely known issue. Essentially, if a person has ever paid for a subscription with a given credit card, google will maintain that payment information ( card #, exp date, cvv, etc. ) After expressly being told they do not have consent to do so. It is unacceptable that they will not allow users to remove a payment method at the users discretion.

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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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 can not accept 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 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: CA

Complaint narrative:
Equifax continues to report incorrect information on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off and the bank erroneously reported it as late. I have included a letter from them stating that the late should be removed. XXXX  and XXXX have removed it, but Equifax refuses to do so. This is a FCRA violation and is mandated to be removed from my report. I have previously contacted you through mail and yet there is no dispute history. Please verify this and remove or send me what you have done to investigate. Please update this line item accordingly. I have contacted XXXX, as well as the bureau to fix this however, I have not been successful.

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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I did a consumer credit transaction with XXXX. The total amount of the transaction was for {$3300.00}. A few weeks after the initial transaction I received a bill requesting that a payment be made. Moving forward this alleged debt was sold to Cavalry XXXX XXXX. On XX/XX/XXXX I received a communication by mail from an attorney 's office hired by Cavalry who goes by the name of XXXX XXXX XXXX, XXXX. Months later, I discovered that there was a court case opened by Cavalry SPV, LLC and XXXX, XXXX and it's attorney XXXX XXXX XXXX. The case was filed on XX/XX/XXXX and was never served or notified of this action which is illegal and required by law that anyone being sued must be served with a court order. After discovering this lawsuit, I communicated with attorney XXXX XXXX XXXX via mail and sent them over documents stating that they are in violation of the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1681. Cavalry received these documents on XXXX at XXXXXXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with explanation