vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: AL

Complaint narrative:
On XX/XX/2020, the day these fraudulent charges were discovered. XXXX XXXX reported the charges to an XXXX agent ; the result of which the agent determined that the charges were fraudulent and that XXXX XXXX was not liable. The amount of these fraudulent charges were {$12000.00}. 

On approx. XX/XX/XXXX or XXXX, 2020, Amazon Visa unilaterally charged XXXX with approx. {$8900.00}. These charges were again disputed by letter on XXXX XXXX, 2020. See Attached letter to Chase Bank. 

All of the charges listed in the attachment from Chase Bank were fraudulent and unauthorized. These charges were made after XXXX XXXX took my credit card which was then sold to another scammer. 

Most of the merchants in the detail printout I have never visited or made any purchases for example, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, or the XXXX XXXX. 

Chase states next to each transaction on the printout of fraudulent charges, that " you have received the benefit from this transaction ''. This is inaccurate as I did not benefit from the transactions because I did not make any of the purchases nor did I authorize the fraudulent charges. Chase has not contacted XXXX XXXX as of this day, XX/XX/2020, nor have they contacted me, the cardholder, for a sworn statement. Chase has not shown any video with my image making these transactions. 

**Please note : On the attached affidavit, it states that the fraudulent charges are highlighted in yellow. However, I have attached the current printout from Chase so the charges will not be highlighted in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: VA

Complaint narrative:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: VA

Complaint narrative:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

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 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account is close but and not mine and still on my report and I need it removed and I also have inquiries.

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 2020-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account is close but and not mine and still on my report and I need it removed and I also have inquiries.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Upon pulling my credit reports, I discovered that Amsher Collection placed a collection on my credit report that does not belong to me. On XX/XX/20, I mailed a dispute/request for debt validation via certified mail. The tracking number is XXXX XXXX XXXX XXXX XXXX. The letter was delivered to an individual on XX/XX/20. As of today ( XX/XX/20 ) I have not received a response from Amsher Collection Company.  Per the FDCPA, if a collection company fails to verify the debt within 30 days, they must delete the account from all credit bureaus. It has been over 30 days, and the account is still listed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are currently numerous inquiries and a public record listed on my credit report that I have no knowledge of. I have no knowledge of ever having a bankruptcy. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-10-14 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: VA

Complaint narrative:
Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
I have had a credit card from XXXX since XXXX. When I wasn't able to work in XXXX, due to a XXXX XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to XXXX, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX has lost and refuses to find {$940.00} missing from my XXXX. I made personal payroll contributions and my employer ( XXXX ) made contributions to my XXXX on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. My payroll contribution on each of the previous dates was {$110.00}, and XXXX ' contribution was {$19.00} on each of the previous dates. 

When I call XXXX XXXX ( and XXXX, who administered XXXX benefits for XXXX on the given dates ), representatives dismiss my complaints. The last two XXXX XXXX phone representatives I spoke with today, XXXX and her manager XXXX, were angry, argumentative, and rude. XXXX told me that XXXX ( my employer ) closed my XXXX with XXXX XXXX on XX/XX/20. This is false. I *did* transfer assets to XXXX on this date, but never requested my account to be closed, knowing full well that future payroll deductions would still be sent to XXXX XXXX XXXX Starting on XX/XX/20, XXXX changed to a different XXXX provider - XXXX - and my payroll deductions along with employer XXXX contributions were then sent directly to XXXX, BUT NOT BEFORE THAT DATE. 

Furthermore, when my XXXX XXXX XXXX  was closed on XX/XX/20, I was charged a {$25.00} account closing fee, despite the fact that I never requested for my account to be closed. I only ever requested that assets be transferred from XXXX XXXX to XXXX ( and that certain assets from my XXXX  investments be liquidated so that they could be transferred to XXXX as cash ). 

No one at XXXX XXXX ( or XXXX ) seems to know what they are doing, how to help, or to be willing to do anything except to argue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Payment was reported 30 days late. This was due to COVID-19.  Furthermore, A payment arrangement was set up for a majority of the due amount so they were not supposed to report it late. because they put me on a payment plan due to covid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: TN

Complaint narrative:
the information that is being reported is cause by theft i have never applied for these accounts that is being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
the information that is being reported is cause by theft i have never applied for these accounts that is being listed.

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. 

From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. 

I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. 

The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. 

On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
the information that is being reported is cause by theft i have never applied for these accounts that is being listed.

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 2020-10-14 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: CL Holdings LLC
State: CA

Complaint narrative:
Honestly I do not know the laws governing this issue or if I have a legitimate complaint. Unfortunately I have a few collections on my report because of myself being on XXXX and just can't pay them. The collections agencies close and open add and remove collections accounts at will. One moment the collection is on my reports and then they close it and remove it which causes my score to go up and down constantly. It is taken off my report and closed and as soon as my score goes back up they report it and open it again. This can't be fair can it? How am I suppose to get to a point where I can get back on my feet to even pay them when they play this game with the credit report. I have contacted the credit bureaus and they say the account is verified but i know this is an automated feature and no one actually looks at the information which is another unfair situation. I have been affected by the pandemic and this is really stressing me out there has to be something that can be done to stop them from playing games with my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CA

Complaint narrative:
Please help me get rid of the errors in my credit report. I have been trying for several months.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made several requests via phone and mail to access my report online with Experian. Attached is my social security card, drivers license, and bank statement with proof of my address. 

I can not access my report online and no creditors can access/pull my credit report for potential credit.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Please note that in XX/XX/2020 our lender RUSHMORE allowed us to make us of their mortgage deferral payment for covid pandemic taking place. we were told we could defer our mtg payments and the missed payments would be added on to the end of our loan.

However two weeks ago we received a letter from Rushmore that we were going to be in foreclosure as of XX/XX/2020 if we did not make all the missed payments. 
We contacted our lender rushmore and we were told we must do a loan modification. we want to keep our loan. however we did not want to do the modification. we wanted to do the payment deferral that was offered to us in the attached documents. we do not want to lose our home. please advise us what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
XXXX XXXX used Zelle to send me {$240.00} on XX/XX/22. And I received a receipt from Zelle via email confirming the transfer. 

I have never received the {$240.00}, and XXXX has stated that I am correctly signed up for Zelle, with the proper email address. XXXX had record of the Zelle {$240.00} deposit.

Zelle customer service has been Zero help, and have referred me to XXXX, and XXXX has no record of Zelle transferring the funds.

The money is simply lost. And again, Zelles foreign telephone answering service employs have provided no help other than wait longer, now 28 days. I would like my {$240.00}, and accountability from Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: IL

Complaint narrative:
DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/NAVIENT is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account XXXX XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-14 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: NY

Complaint narrative:
INACCURATE AND UNAUTHORIZED ACCOUNTS AND INACCURATE ADDRESSES ARE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good afternoon, The company that I am having an issue with is Ally Finacial on. Ally financial stated that they have verified this account on XX/XX/2020, but they have never verified this account with me. Also, this account is showing as a charge off and closed but it is showing my payment frequency as monthly. I have sent a request to Ally Financial on XX/XX/2020 to send something to me to show that this is my debt. However, they have not sent me anything.

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