vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I had a credit card with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX that was sold to a collections agency portfolio recovery. It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I called them and told them that I had paid the debt with portfolio recovery and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since portfolio acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX  just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: GA

Complaint narrative:
In XXXX of 2019 I contacted Experian to report ID theft from various sources that were unknown in origin. Since this time, the ID theft has A. ) not stopped and B. ) not been addressed on my credit report at ALL. Why not? What do I have to do to get Experian or the other agencies To take me seriously?

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 2020-07-19 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: MI

Complaint narrative:
I spoke to a representative at experian about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX  Date of inquiry : XX/XX/XXXX 7.  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 9.XXXX XXXX XXXX Date of inquiry : XX/XX/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 2020-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I spoke to a representative at equifax about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX  XXXX. 
Date of inquiry XX/XX/19 2. XXXX XXXX XXXX Date of inquiry XX/XX/19 3. XXXX XXXX XXXX Date of Inquiry XX/XX/19 4. XXXX XXXX XXXX Date of Inquiry XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed a credit card account with Bank of America in spring 2019 with a XXXX balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. Bank of America never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.

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 2020-07-19 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: CA

Complaint narrative:
I closed a credit card account with XXXX  XXXX XXXX in spring 2019 with a XXXX  balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. XXXX  XXXX XXXX never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.

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 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-07-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MI

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: MI

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-19 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: CO

Complaint narrative:
Experian is reporting a XXXX account that was closed in XXXX as a Charge Off. I sent them the letter from creditor stating that my acct was closed in XXXX and the monthly payment due and made. After more then 30 days from dispute to correct they didnt update the correct acct status or payments made and are still reporting it incorrectly.

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 2020-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: NE

Complaint narrative:
I emailed the lender and explained to them a week before my first payment was due that I live on ssi and am in XXXX from XXXX XXXX and I could not make my payment we agreed they would be putting my XX/XX/XXXX payment at the end of my loan and i would not pay XXXX payment they emailed me back two days later said it was too late to negotiate that and they with drew the money I was sick and didnt even get a copy of loan agreement or know what i signed they preyed on me i was desperate but they knew i couldnt afford this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Every year I submit my application to Navient to renew the Income-Based Repayment ( IBR ) Plan with them for my student loans. And every year it takes months of going back and forth of them saying they need more information from me despite the fact that I have provided everything the application required. I do the same process with XXXX XXXX and I have no issues. With Navient it is a fight to get the IBR plan approved. Not to mention the fact that I submit my renewal on time and get the acceptance notification. Then not 2 days later I get an astronomical bill from Navient. And I am charged a processing fee for applying for the IBR plan! Can't forget about the harassing phone calls that I get every day that total up to 5 or more. Something needs to be done about this crooked company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
1. On XX/XX/2020, I called XXXX and requested to make a transfer of funds from XXXX  to XXXX XXXX XXXX. The representative from XXXX instructed me to initiate the transfer through my XXXX banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to Chase ( as opposed to XXXX  ). I do not have a Chase account. I called XXXX and told them I do not have a Chase account. The representative from XXXX told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and XXXX ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to Chase. They said that this would take 5 working days. 4. I waiting 5 days and called XXXX back. The money was not returned to my XXXX account. A XXXX representative said there is nothing they can do because the check was cashed by Chase. They told me to go to Chase and to request the money be returned to XXXX. I called Chase, and they told me that XXXX needs to request the check from Chase. XXXX then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to Chase and not XXXX. 5. I went back to Chase and they said they could see the check in their system, but that XXXX needs to request the check. I went back and forth for months now, and XXXX is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical Chase bank, and although they were not able to help me, they told me that XXXX has incorrectly sent checks to Chase before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which XXXX said they faxed Chase a request for the money. Chase has refused to return the money. 

I am now filing a report again, this time against Chase. XXXX has reached out to Chase to return the {$3000.00} but Chase has repeatedly ignored these requests. I have attached letters which demonstrate that XXXX has sent requests to Chase for the refund several times. 
*********** Summary : I requested {$3000.00} be paid from my XXXX credit card to XXXX. XXXX sent the {$3000.00} to Chase incorrectly. Chase has refused to return the money despite numerous attempts by XXXX to request the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm just trying to link another financial institution to my primary bank for business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I made a payment to Chase XXXX over a week ago. Chase took the {$1200.00} from my bank a week ago. They refuse to release the credit for use on my card stating that I paid a large amount and even though they have taken the money they said it can take awhile to apply it to my card for use. I feel that this is stealing and I have never had this problem with any other credit card. They took payment from my account that cleared and Chase is refusing to update and apply the amount to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I filed chapter XXXX bankruptcy and we had an account with Ally Bank for a car loan. We did not reaffirm this loan in our bankruptcy. Ally continued to send late payment notices to XXXX. They even closed the account and opened it back up to only record another late payment. We have disputed this account 8 times and have attempted to call them. We have tried to talk to XXXX  and they say they are supplied with the info and report. We have even had our attorney contact them and they seemed to get mad and open it up and nail us with another late payment. My wife had the same account and they reported hers accurately. We are two years from our bankruptcy and my wife and I are getting ready to purchase a home. We have worked very hard to rebuild our credit and this company has continued to harass us.

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