vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern, RE : Chase XXXX Credit Card It is unfortunate that as a victim of theft, I had to collect supporting documents to prove the purchases made were not me. With XXXX years as a XXXX XXXX XXXX, I have never seen a company ask a victim to solve their own case. 

I have completed a complaint with the United States Postal Police. The report is attached. I also included the Chase statement that reflects the charges. On XX/XX/2021, two charges were made. One in the state of New York and the other in the state of Maryland. On XX/XX/2021, two charges were also made. One made in the state New Jersey and the other in the state of New York. I am not sure how one can be in two states at the same time.

I did attempt to obtain information such as one charge to XXXX. I was informed that they can not disclose any information as the actual victim would be Chase. Chase would need to request any video showing who made the charges on the date shown. The other locations, based on XXXX search was a vending machine, a cigarette/vape mart and the food chain XXXX. 

I have also included my XXXX XXXX statement reflecting the charge of the XXXX XXXX in Delaware from XX/XX/2021 thru XX/XX/2021. This will show I was nowhere near the locations of the charges. 

I applied for the XXXX Chase card prior to my trip to Delaware so I may charge the room and have points for future XXXX stays. Since the card did not arrive, I used my XXXX XXXX card. Attached is the emailed receipt upon check out. 

Since this incident, I have cancelled all my Chase Credit cards and closed a checking account I had opened during the same time. 

I am incurring late charges and have seem my immaculate credit drop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by XXXX XXXX XXXXXXXX XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding XXXX  has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;

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 2022-03-10 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 2022-03-10 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-10 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: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-10 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: FL

Complaint narrative:
This complaint is in correspondence to complaint id : XXXX. Experian has responded indicating they will not investigate the " XXXX XXXX XXXX '' account again without new information because the credit grantor has already verified it. However, They still haven't provided proof of the method of verifications after the many requests through mail. They haven't provided any documents whatsoever but are inaccurately stating that this account belongs to me. I have not received any proof of debt or document signed by me that validates the debt but they insists that this account is verified. Laws in 15 USC 1692 have been violated by this companys action and so are my rights. They are indicating that the information that I presented is irrelevant but Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open. I have provided the proof, this information is relevant because they are not in compliance with FCRA guidelines. Why insist something is verified with no proof, why can't they provide the method of verifications.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company received my request to opt out and delete any and all information this company may have on file for me. I did NOT give them consent/permission to create a file and/or supply any information to any other company. 

The company received my request XX/XX/22 ( return receipt confirmed usps # XXXX ), but I have not received a confirmation letter stating my demand to be completed. It is currently past the 30 day period for them to do so

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 2022-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VT

Complaint narrative:
I purchased a new XXXX XXXX  XX/XX/22. The finance staff at the dealership spelled my last name wrong on the the paperwork. I have made several calls to Hyundai Motor Finance Customer Service ( HMFCS ) and sent them the documentation they requested and they still have not made the name change. 

I wish to payoff the vehicle but I can't since the title would be incorrect thus incurring additional finance charges. I am having trouble registering my vehicle since the name on the paperwork does not match my correct name. 

I have been told my supervisors at ( HMFCS ) that they can do nothing until someone in XXXX XXXX TX. contacts them and the can not reach anyone there to make the change.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have on my background check a failure to appear and also shows pending charge for receiving stolen vehicle that Im not guilty of and going to court for on XX/XX/2022 and I do not have any active warrants those were cleared up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
On XX/XX/XXXX, I sent a letter to Equifax about inacurate information being reported on my credit report. I never received a response from them On XX/XX/XXXX, one of the account that was disputed was deleted from my report due to inaccuracy, however, on XX/XX/XXXX, the same account was added to my report without me receiving a letter informing me of the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Applied Data Finance, LLC
State: MN

Complaint narrative:
I applied for a loan through Personify with the interest rate of 8.9 % after receiving the email it was actually a interest rate of 89 %. I have made 3 payments of {$600.00} totaling {$1800.00} which only {$9.00} have been paid off the principle of the loan. I called the company to see about getting a lower interest rate and how I can get more applied to the principle, they told me after every 6 payments made on time I would get a 2 % decrees. I am a XXXX veteran who needed a small loan to get caught up on some bills. I am asking to see if a company can truly charge such a high interest rate. or what I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Charged a " Security Fee '', when I signed up it never mentioned anything about a fee. It was a 6 month 0 % interest promotion. And it's not fair that I'm getting billed for something I never agreed to/wanted.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
XXXX XXXX transferred my account to citizen bank. My husbands pension got transferred into Citizen bank. Citizen bank now say I can not transfer or use payment systems unless I have a US address. 
I do not have a US address and both XXXX and Citizen are aware of this. 
The only way we can access funds is via ATM which as Im in the XXXX there is a large fee. Its cost around {$50.00} dollars in fees so far. As Im withdrawing from ATMs there is a maximum dispense of around {$500.00} so it takes several visits which is also very inconvenient. 

Citizen had originally told me I could use online banking with a XXXX phone number, this was untrue so I set up a US number too. 
Once I had validated my account they told me they could only transfer to US accounts so I set up a Wise account. 
Then they said ok you cant transfer without a US address and there I drew the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I submitted a complaint to Chrysler Capital on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to XXXX and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that Chrysler Capital does not have interest in addressing the XXXX late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX Police Detective. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In the attempt to correct payments, I have received letters that state incorrect numbers about how many payments qualify towards loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
On XX/XX/2022 I made a payment to Loan Depot of New Jersey for {$1100.00}. I was informed that my loan was being transferred and an additional payment of {$1100.00} to the new loan servers Loan Deport of Texas. I have tried since XX/XX/2022 to retrieve the payment of {$1100.00}. New Jersey have no trace of the payment but my bank ( XXXX ) show proof of payment. Texas has received their payment. New Jersey has refused to help and keep telling me to call back in 10 to 20 days. I am at a loss on how to get my payment back or transferred to my new loan servers. My next loan payment is coming up and I need the money to fund it. Loan Deport are very unorganized and not helpful, at times rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
While checking my credit report, I notice an account from XXXX XXXX Bank XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This bill is from XXXXXXXX XXXX  XXXX for my XXXX shoot in Pa in XXXX XXXX. 
I have provided my insurance information when I was at XXXX. I have received a letter about payment from XXXXXXXX XXXX XXXX and called them and provide my insurance inforamtion again. 

I also have called my insurance company and was told that they never received any claim from them. 

Now XXXX has forward to collection company to collect the debt which I didn't owe any bills. 

I called multiple times to collection company called " Transworld Systems Inc. '' but no answer at all, and I have left a message but not received a call from them all at. 

I called, XX/XX/XXXX, XXXX XXXX XXXX  and provided my insurance information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank opened a fraudulent Bass Pro Shops account under my name. they told me that the account & hard inquiry would be removed from all 3 credit bureaus but it's still showing on my reports. I need XXXX to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I have proof via police report that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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