vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I contacted Chase Bank about fraudulent charges made to my account. 

The charges made were : XX/XX/XXXX to XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX for {$60.00} I have evidence of where I was on those days and that I never made any transactions involving XXXX management in three different cities. I don't know who or what XXXX XXXX is. 

I contacted Chase about the issue an was initially refunded the money before having the money taken back out of my account after the investigation was conducted. 

They investigation didn't include who the company was receiving the money and only commented on my card having a chip as if thieves aren't perfecting their mentors daily. I need my money and will cease to do business with Chase after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on WF/XXXX  Per FCRA XXXX reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2021 NATIONAL CREDIT SYSTEMS stated the account was REMOVED from my dad 's consumer report. I am still being violated by them. They are still reporting on my consumer report. XXXX XXXX stated it would be removed and it has not. They are damaging my character and in violation of 18 of the FDCPA Laws as you can see in Exhibit A, and C. As you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I demand remedy by paying the invoice included of {$18000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Theres an address on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX, IL. is not my address. I have never lived at this address. I have never been to this address and I dont know anyone who live at this address or previously have live at this address. Ive disputed this information with Experian several times and this address is still on my report. I dont care who reported the address, obviously it was some type of mistake. Ive already resolved the issue with XXXX and XXXX. But Experian is now validating the FCRA. I have no idea who this address belongs to. But its not mine. I also have inquiries that I didnt authorize. Someone also tried to open bank accounts under my name that I didnt authorize.

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 2021-10-15 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX  XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX  from US AUTO SALES in XXXX, GA in XXXX XXXX. The car began having issues in late XXXX XX/XX/XXXX and eventually broke down & left me stranded at work. Long story short, I have made MULTIPLE attempts to speak with someone in management or even in Service/Claims dept about the constant issues and to see if they would try and help make the situation right, but I have yet to speak with anyone. The car is a complete LEMON. I've made the same repair once already, and it's now having other issues to the point that I haven't been able to drive the vehicle since XX/XX/XXXX, and the car has been towed 3 times. It's been sitting in a family member 's driveway for over a month. I've made MULTIPLE attempts to contact ANYONE at US AUTO SALES that can get me a solution, but I can't get anyone to speak to me ( except for the customer service people, and all they can do is handle payments & transfer me to the Service department, which never answers the phone. ) I have been dealing with this for over 2 months now, and nothing has been done. I refuse to make any further payments on the vehicle, when it's been completely inoperable for over 2 months, and US AUTO SALES has done absolutely NOTHING to assist me in this nightmare. I have gotten 2 mechanics ' opinions on what the issue is, and after doing plenty of research, I've learned that this particular year/make/model car has A LOT of known mechanical issues. The # 1 reported issue is engine & transmission issues. The car was only 2 years old when I bought it. I hadn't even had it for a whole year yet, when the car broke down. Trying to speak with anyone besides Customer Service ( who can't do what I need done ) is IMPOSSIBLE, and completely ridiculous. They have been the absolute worst business I've ever had the dis-pleasure of dealing with, and I've never filed a formal complaint on any business EVER. In addition to this complaint, I've also filed complaints with the XXXX  and Georgia Department of Used Motor Vehicles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied HELOC with Pentagon Federal Credit Union and they start process few months ago and at the end after conditional approval, they told me to submit extra insurance as a second lien and my insurance can't increase my insurance because it is illegal to do so. They still keep sending me email until XX/XX/21 to get extra insurance to give me HELOC. If you need the email correspondence, I can forward to your organization. Please find attached email correspondence for your 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 non-monetary relief
Consumer complaint received 2021-10-18 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau are reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on Torres Credit Services , Inc.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I requested a credit balance refund for my XXXX XXXX on XX/XX/XXXX. I was told I needed to send in proof of payments that were made on XXXX and XX/XX/XXXX. I was told to send them via Secure message which I did on XX/XX/XXXX. I received confirmation that my documentation was received on XX/XX/XXXX. 

On XX/XX/XXXX I asked support what the status on my refund check was. I was told that the request was denied as they needed to receive proof of the payments. I told them that I sent in proof of the payments on XX/XX/XXXX. I was told they they could not access them as they were customer support.

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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I'm filling a dispute against the company XXXX XXXX loft the furnisher, XXXX, and the collection agency National Credit systems. Over the last 9 months I have sent certified letters threw XXXX asking for proof of debt owed and have not received anything by mail or email. I myself have continued to ask for proof via certified letters and still have not received anything I'm now asking the debt be erased from my credit report it is enabling me to move forward with house rental and other credit loans. Over the last several month XXXX has attempted to refile my debt claim with several collection agency 's even after sending dispute letters XXXX and National Credit systems are the last two that have not dropped the debt claim. According to the Federal Credit law spelled out in the Fair Credit reporting, a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. The last certified letter was received XXXX XXXX this letter was sent by myself and XXXX stating they had only fifteen days to respond with a claim against the dispute not such thing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Department of Education/Navient is a government entity aka " person '' and it unlawfully for it to be placed on my customer report based on 15 US Code 1681 ( a ) exclusions. Based on that fact, I demand it be removed from all consumer reporting agency.

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 2021-10-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
My Loan was due XX/XX/2021. I called in to pay with the loan number on my statement.XXXX amount due XXXX The receptionist said the loan did not exist and hung up. I called again and got another person who spent some time with me and said that I owed XXXX. I paid it and explained how did this happen and she said she didn't know. I have attached the statement and have not had any late charges on my credit, On my other loan XXXX I over paid XXXX don't want my credit messed up. Confirmation number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 EOS CCA sent a form to me the consumer XXXX XXXX stating I owe them an alleged debt. I do not owe this alleged debt and I refuse to pay. I did not give EOS CCA consent to contact me the consumer or my Organization XXXX XXXX which is a violation of 15 U.S.C1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
RESPONSE TO UNRESOLVED COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.

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 2021-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was informed by a letter in the mail in XX/XX/XXXX that a XXXX Credit Card was issued in my name. I called into petland and let them know that there was a mistake as Ive never opened a credit card with any store and never would. I gave them my information such as my address, phone number etc and none of my information matched what they had on file for me. The woman I spoke to was part of the fraud department and she assured me that she would close the account and mark it as fraudulent. Ever since I spoke with this woman back in XXXX XXXX now has my up to date information that I provided them with and they are trying to make me pay for an account that does not belong to me. They tell me that the information they have matches up to me but that is not true because the only reason they have my information is because I willingly gave it to them so they could contact me after closing the account and marking it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation