vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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:
First off your a bunch of lousy discriminating XXXX XXXX Now say you can't handle this one Equifax and XXXX are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On the date of XX/XX/2020 JP Morgan Chase closed all of my credit accounts. 
With no valid reason for closing my accounts what so ever. I called the company asking why my accounts were closed unfairly and I would like them to be reopen. Hence I didn't do anything wrong or fraudulent with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding reported the same debt twice at {$630.00} when this amount was disputed the amounts changed. I have requested sufficient back up as to what this account is and all that happened was the amount was changed. The company refuses to tell me what the original debt was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I initially borrowed {$680.00}. After the 90  period my balance was {$280.00}. Finance fees were then added bringing my balance to over {$500.00}. Over the next several months, I have continued to incur " finance fees '' on my balance which already includes finance fees. The finance fees are almost equal to my payment, so the balance has remained initially the same. The finance fees on top of finance fees appear to be " double dipping '' and not authorized. Furthermore, the website does not allow you to see your payments or balance like most companies. You have to call and ask them to send you the information. When I did that I received the attached document which displays inconsistencies, so the true nature of my loan is unknown.The print-out does not have my name or account number anywhere on it, so I do not even know if it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX amex membership points through the amex platinum card. I try to transfer the points and XXXX and it doesn't allow. I called them and they have no further details on it other than saying it is being reviewed. Why are they freezing my account? I am a customer who has spend over XXXX on all amex cards in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX / XXXX / ( XXXX ) XXXX Citi card # XXXX XXXX XXXX XXXX Dollar amount : {$1800.00} Description of problem : On XX/XX/XXXX I had 5 charges made to my credit card ( XXXX ) that I did not make. A claim ( Citi card Fraud division ) was filed on those charges. 
I had Citi card cancel the card ( XXXX ) and a replacement was requested ( XXXX ). 
On my statement dated XX/XX/XXXX Citi removed all the charges ( Security Credit- Item Under Investigation ). 
On my statement dated XX/XX/XXXX security credit reversed the charge of {$1800.00} -XXXX. 
Since I did not make or authorize this charge, I am requesting {$1800.00} be removed from my account. 
Also, the interest charge incurred because of the {$1800.00} charge be removed from my accounts. 
All the charges were made in California and both XXXX charges were made on the same date and at the same store. 
Since XX/XX/XXXX I have made several calls to the fraud department to resolve the problem ( {$1800.00} ) to no avail. 
All the while for the last 3 months my interest charge has increased because of the incorrect charge. 
The Electronic Funds Transfer Act ( EFTA ) protects checking accounts and debit cards from unauthorized charges. 
The Truth in Lending Act ( TILA ) protects credit cards from unauthorized charges This problem needs to get corrected. 

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 monetary relief
Consumer complaint received 2020-01-23 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: CT

Complaint narrative:
I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a XXXX ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using XXXX . After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

Chase refused to refund the XXXX transactions as I authorized them myself. 

XXXX refused to assist me because I use their service through the chase mobile app. 
Chase does not insure the deposited check because it was a credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 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:
First off your a bunch of lousy discriminating low lifes Now say you can't handle this one XXXX  and TransUnion are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my 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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System has inaccurately aged a collection account they purchased from XXXX XXXX as new debt in an attempt to continue collection activities. Despite having disputed this information with credit reporting agencies and directly writing to Jefferson Capital ( with no response ) they refuse to provide any information to justify attempting to collect beyond the seven years from date of default with the ORIGINAL creditor, not seven years from when the collection agency purchased or has consigned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in dispute letters to all three credit reporting companies, XXXX Equifax, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 )   bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
Equifax and XXXX allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I have received a letter from the Dept of Education requesting payment for a loan that I was not responsible for at the University XXXX XXXX on XX/XX/XXXX when I was XXXX years old and enrolled. My father was the guarantor of the loan and it was paid off after they garnished his wages for years. 
The University XXXX XXXX has sent me to collection and reported this to the credit bureau which affects my credit and future chances of getting student loans for children who are college age or approaching college age. 

The date I received the letter was XX/XX/XXXX - the principal balance was {$750.00} and they are now asking for {$14000.00}. I called them today XX/XX/XXXX and they told me they received the loan from ECSI. I called ECSI and they told me they got the loan from the University XXXX XXXX in XXXX of XXXX and to call them. I called them and they told me they passed the loan to ECSI. So have no answers from anyone only a {$14.00}, XXXX debt that is not mine because I was too young to have been responsible for the loan and my dad paid off what we owed for the loan he took for me back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This is a complaint against LVNV FUNDING, XXXX XXXX and XXXX, I request this collection company to remove this account from my credit report, with XXXX XXXX and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these however, I have not been successful.

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 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX the XXXX, XXXX, my PayPal account was permanently closed upon company 's decision over a limitation imposed under the account, stating that I was " a potential risk '' if I continued being a PayPal customer. PayPal established a deadline of six ( 6 ) months to withdraw the left money on my account ( {$700.00} ). Time passed and the principal requirement was met to withdraw the funds. In fact, on XXXX the XXXX, XXXX, I received an e-mail claiming that I was, at that time, able to begin processing the withdraw of the money left on the account ; however, despite all requirements were met by me, PayPal refused to add a bank account into the account and then pull out funds. Indeed, I got in contact at least ten times with the company and none of their employees helped me out as they " were not able to do anything about '' or " my case would be sent to a specialist, then a response would come after a few business days. '' Other employees would ask for additional information about the bank account 's owner that was supposed to receive the transfer of funds as I personally don't have an American  bank account ; although all evidence was submitted, nothing came out of that. Bank account wasn't added into my PayPal account and my money is still stuck on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
The late remarks is in question.They are inaccurate and misleading. Please help get them out of my report by investigating them and seeing the inaccuries in the report. I am asking for proof about the reports and I havent got any. I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company

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 2020-01-23 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: OH

Complaint narrative:
XXXX  XXXX XXXX/XXXX  credit company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history 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 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX company address : XXXX XXXX XXXX XXXX OH XXXX improperly investigated a dispute I made with them in XX/XX/XXXX. I had mailed in three copies of auto payment forms only not to be enrolled. I followed up with a phone call in XX/XX/XXXX to make sure auto enrollment was completed and set up for this account. They confirmed it was, but then in XXXX and XXXX of XXXX two payments were not made by auto payment. I reached out to them letting them know this is an error on their part and shouldn't have happened. I am requesting these missed payments along with the payment ion XX/XX/XXXX be removed from my credit history 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 2020-01-23 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:
XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
this was originally reported by XXXX XXXX but when disputed now it's showing up from another company. I've always had insurance and I am under the impression that this is an old hospital bill but can't get the original debt contact informant. These collectors are passing around my information like I don't matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I see in my XXXX XXXX  REPORT an unauthorized Bank of America fraudulent account, I have never had a checking and savings account with bank of america, please REMOVE this account from my XXXX XXXX and also the address is fraud I have never lived even that address in 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