vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
National Credit Adjusters LLC claim I owe them a debt acct # XXXX for {$460.00}, and acct # XXXX for {$250.00}. I sent them a letter on XX/XX/2021. XXXX XXXX responded on XX/XX/2021 with a statement reference number basically just saying I owe them like a receipt of the account that they keep in house. All available documentation would be mailed to me within 90 days. As I told her 90 days doesn't suffice, whoever you're collecting for I should be able to get proof of this accounts. Since they verified it with the credit bureau it should be very simple for you to send me that same documentation. Unless they are not being honest with the credit bureau, which I know that's the case, and just validating accounts without any proof. Seems like a violation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
just contacted the synchrony bank to report fraud charges done by someone else other then me

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on Thursday, XX/XX/XXXX, XXXX Chase Bank Reposed my Car with Absolutely no intentions of returning the Vehicle to me. I made calls to Chase Redemption Dept. on XX/XX/XXXX & XXXX, but unbeknownst to me, they had already put a letter in the mail dated XX/XX/2021 Stating of their intensions to Sell the Vehicle ( on Sunday XX/XX/2021 ) .In spite of me speaking to a supervisor and stating that I had asked for help since my job as a XXXX had stopped because of another COVID19 outbreak ( happened upon XXXX opening ). I told this information to the supervisor ( XXXX Is his ID # ) That I would like to have the opportunity to catch up the balance and become current on my payments. He was constantly saying that i didn't honor the contract and that i could not get the car back. I followed up with the Chase Corporate office and was given a case # and worker, Ms. XXXX XXXX. I spoke with her on XX/XX/XXXX and finally on XX/XX/2021, only for her to echo the same words of the Redemption Dept. But, she also stated that they said I had a lot of return payments in the Automated system ( which i don't believe is my fault-if I said that I didn't have the monies, And also said that i needed help with my payments ) .And why would CHASE Constantly attempt to get payments through the AUTOMATED System when I clearly stated that i DIDN'T have the monies? She simply told me what was already stated. So I told her that because of this National Emergency ( because of the Pandemic ) it would seem like Chase ( Auto ) Bank would be in the business of trying to work with their clients in these special times And Not stealing their customers Cars ( Only to turn around and Re-sale the Car again ). I asked her to put our conversation in writing, but she said that she'd have to find out if she could do this. I believe that CHASE AUTO has treated me unfairly ( Esp. during these Hard times ) And they could've given me the Option to become Current, But they Chose to be bullies and Straight up SHYSTERS!!! Please help me with this issue as I believe that this company is doing this very same thing to Other customers and maybe a CLASS ACTION LAWSUIT Needs to happen for them to stop this Unscrupulous act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX NOT XXXX XXXX Your representative lied and said that " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' They did this because they have violated the law and you will be sued for the damages you have caused me and my family. I was turned down for 4 home loans as a result of you allowing 2 fraudulent accounts on my credit. 

It's been over 45 days and the problem still has not been resolved. Enclosed is proof : RE : FAILURE TO RESPOND TO DELETION/CORRECTION LETTER On XX/XX/2020 I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 


The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 


The following accounts are both invalid and inaccurate : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX acc # XXXX THIS IS A DEMAND FOR FULL COMPLIANCE social XXXX My name nor my address match any of these accounts opened by identity theift. Your company has lied and Now I will be suing. I have sent 609 letters over 45 days ago with no response, there for you have violated federal and state law. 
How can you verify wrong information?

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUinon is in violation of the the FCRA after I am writing due to TransUnion none compliance of the FCRA. TransUnion has fail to remove inaccurate information from my credit report. TransnUnion is in violation of the of FCRA refusing to uphold the law. I have provided TransUnion with factual proof of my payment made on time for the month of XX/XX/2018. TransUnion request me to send them supporting documentation that my payment for the month ofXX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided TransUnion email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

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 2021-02-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX  Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX  keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.

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 2021-02-03 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: CA

Complaint narrative:
Thank you very much. 
I wrote the attached letter to Experian over a month ago and did not receive an answer. 
The only thing I received was an emailed copy of Experians routine dispute form. Report # XXXX with the middle name correct this time. 
The issue I raised with them may be related to problems I have encountered with ordinary transactions ( not credit ; I dont borrow ) even though my credit score is between XXXX in the past few 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 non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a US Bank Relia Visa card that I never applied for in the mail. I called them and they said it appears a card was opened under my name through the Unemployment office int the state of Ohio. They also stated that the SS # they had on file did not match mine so I assume someone opened a card under may name and address with a made up SS #. 

I have spoken with XXXX XXXX and they have this noted and have called the credit bureau. I will also be calling the state of Ohio tomorrow to let them know about this situation. 

Thank you! 

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 2021-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
As a result of Covid-19 I was directly impacted and I experienced a financial hardship. I started the Forbearance in XX/XX/XXXX but have been able to make some payments to keep my account no greater than 3 months deliquent. My complaint speaks to the dramtic payment increase offerred on a loan modification for {$310.00} for the next 365 months. 1. The first repayment option I received was a loan modification of {$1400.00} for 360 months in XX/XX/XXXX. A {$310.00} monthly increase for the next 30 years. At this time in XXXX my delinquent amount was {$5600.00} as shown on the XXXX statement. Meaning Caliber Loans would receive a sum of {$110000.00} over the next 365 months with the new loan modification terms. I called Caliber and declined the loan modification because I could not afford it and it was unreasonable terms. 2. Later in XX/XX/XXXX I received a letter stating I was ineligible for the loan modification. 3. In XXXX I received a Loss Mitigation application, my forbearance was effective until XX/XX/XXXX so I declined. 4. Lastly, during this time I have consistently made payment every month since XXXX and attempting to make additional payments whenever possible. 5. My Mortgage was increased to {$1400.00} effective XX/XX/XXXX although I am still on the Forbearance until XX/XX/XXXX and I have not signed any agreement of loan modification nor loss mitigation. I would really appreciate if you can resolve the intent of Caliber Loans. Should you find ill intent, I honestly do not feel I am the only veteran being taken advantage of. I look forward to hearing from you I have documentation to provide proof of my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I requested a copy of my consumer report from Early Waring and they provided it. I was stunned to see every transaction in my bank account listed on the report. I immediately contacted them and asked them to freeze my consumer file so it would not be shared. 

They responded that they are not required to comply with consumer report freeze requests. When I asked for an explanation they would not provide one. I have since sent email and mailed letters requesting that my report be frozen and they do not respond to either method. 

Clearly, the bank transactions listed on my Early Warning report are being used by their member banks to make credit decisions or influence credit offers they may provide to me. 

The banking transaction listed in the Early Waring report is far more detailed and private than any data you see in a standard credit report. It is essentially a copy of your bank statement. This information should not be shared with anyone member company or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Also my information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.

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 2021-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CarMax, Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I received a letter from Carmax XXXX XXXX notifying me of a demand to pay an alleged debt of {$1300.00} due in full before XX/XX/2021. Carmax XXXX XXXX threatened to seize my property if I failed to pay the alleged debt in full which has harassed, abused, and oppressed my rights as a consumer pursuant 15 USC 1692d. Carmax XXXX XXXX has violated my privacy pursuant 15 USC 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not been notified or updated of investigation results.

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 2021-02-03 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: CA

Complaint narrative:
1 ) On XX/XX/2021 around XXXX XXXX, I called Chase Visa customer Service at XXXX. 
Chase Rep. said there is no records on the card I provided. Then transferred my call to fraud Dep. and this Chase Rep. ( her name is XXXX ) couldn't find any record either. then she instructed me to any Chase branch for further help/identification. 
2 ) the same day at XXXX XXXX, I went to a Chase Branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. A Banker ( XXXX XXXX ) helped me with identifying my Visa Card and my Driver 's License. I also show her the the latest Card statement. Then she made a phone call and find out this Visa Card was closed recently and said Chase will not close it unless card holder made a request. I said I didn't do it since I still have XXXX points on this account. Then, she helped me to file a complaint to Chase Complaint Dep. 
3 ) On XX/XX/2021 Chase Complaint Dep. called me and said the same thing as the 1st time ( no records on this card ). I told her your branch found it, she respond that she need to further to investigate and will call me again. 
4 ) On XX/XX/2021 XXXX XXXX ( she told me her name ) called me ( with this # XXXX ) and she said this Visa Card was closed by Chase for no/little activities on this card. I said " why didn't I receive any notice '', she said Chase did send notice. I said I didn't receive it and can you prove it. She had no answer, and I said what about my XXXX ( equivalent of {$260.00} cash ) Reward points. She said they will be no longer available since the Card was closed. I said that means Chase forfeited my reward points/money, she agreed. 
I felt Chase had very evil intention to steal client 's money by using this dirty trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I called Equifax to get the incorrect information disputed on my account. I was unable to do so over the phone because documentation was needed to be faxed over so I went online to do it. I uploaded all required documents and continued to call to speak to someone to talk with them about what was needed to be disputed over the phone. After calling throughout the day speaking to a Supervisor getting the run around no one wanted to help. The one person who was willing to help said to me go in the system and upload the document that needed, I will wait on the line once you do let me know because I pulled up the license ( one of the documents being requested ) he was able to do this because I gave him the dispute number ) I was not able to stay on the line with him because in turn I put the wrong password into the account and my account was then locked due to an incorrect password and I had to wait the 30 minutes to be able to log back in. The excuse being given is call back because the system is being updated and we cant pull up the file when not even 10 minutes prior I called was on hold with someone and the person hung up. This started at XXXX and continued with until XXXX. I have yet to be helped and the documentation is there in the system already. I have dispute confirmation numbers to prove such. I spoke with 7 associates and 1 supervisor. Again the end the excuse as stated was our system is down and we can not access your account. This is only happening because I am being persistent and wont take no for an answer because no one wants to actually do the work. This is unacceptable when this is not my fault at all. They want consumers to use credit in America but EQUIFAX wont take responsibility for mixing up two credit files. I did what was asked of me and now Im getting the run around and its aggravating. Please I am asking for your help in this matter. I shouldnt be treated this way as a consumer not to mention this is holding up be being able to securely apply for things especially when I know that my credit is clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: VA

Complaint narrative:
its been over 30 days and the deadline has past This account is fraudulent activity i don't know where this account came from i need it remove ASAP if this account is not remove i will have to use legal actions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation