vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureauXXXX The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.

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 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
Approximately 8 weeks ago I contacted JG Wentworth to assist me in obtaining a portion of an annuity. XXXX XXXX was assisting me but when I would ask him how much this was going to cost me he would never give me straight answer and said we would discuss it later. We got so far as having 3 way call with XXXX  did he finally tell me they were charging me {$71000.00} to help me get $ XXXX but this was after he had them change beneficiary to JG Wentworth. They received my XXXX & XXXX payments in the amount of {$500.00} each and I have called numerous times begging them to refund my {$1000.00}. I received 1 phone call from XXXX XXXX over 2 weeks ago & swore she would get to bottom of this matter but now she is avoiding me. This company has the nerve to charge me $ XXXX which is just like usury for lack of better word to con people out of their money. It is ludicrous to charge $ XXXX out of my $ XXXX annuity. Ultimately it was very easy for me to obtain funds and it only cost me {$1500.00}. I dont what other agency to contact to stop them from taking advantage of other folks who obviously need their money due to our countrys economy, inflation, price of gas etc. I will not stop until I receive my money back and someone who should be watchdog for our citizens to prevent this from happening to people who dont understand how their fraud works.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: OK

Complaint narrative:
XXXX, XXXX XXXX XXXX got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. XXXX & XXXX claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of Unifund, nor have I ever been served with a Subpoena to appear in court. Unifund hired XXXX, XXXX XXXX XXXX a debt collector, I don't know when. I'm guessing in XXXX. XXXX & XXXX say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX XXXX & XXXX have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from XXXX, XXXX XXXX XXXX. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the verification within 30 days. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to Experian, XXXX, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed : XXXX XXXX XXXX  : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and XXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.

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 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-18 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: VA

Complaint narrative:
I was inappropriately advised that I needed to recertify my income driven repayment plan by Fedloan and the XXXX, leading to an increase in my monthly payments of {$100.00}. On both XXXX and on XXXX websites I would get alerts " it's time to recertify! '' and yet nowhere on the XXXX servicing website nor the XXXX was it listed that I was not required to under the CARES act ; no where, clear as day or as clear as the " it's time to recertify! * '' was there also an alert that clearly said *but you don't have to! The information given threatened to put me on a standard repayment plan if I did not recertify immediately. Recertifying when I did not need to has led to my payments increasing {$100.00}, from {$280.00} to {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
I completed and attached my police/FTC report to remove the fraudulent collection appearing on my credit file for two fraudulent accounts that do not belong to me. 

This fraudulent collection account " National Credit Systems {$5000.00} '' account is listed as a " Co-Owner '' not even my account & XXXX XXXX XXXX reports an account with a balance of {$550.00} which doesn't belong to me and is listed on my Police/FTC Report XXXX 

I contacted FTC Fraud Department and police agencies but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/2022, my account balance went below the {$1500.00} average daily balance for a few days and JPMorgan Chase charged me a {$12.00} fee. I messaged them and requested they refund the {$12.00} fee, which they did. 
Then in XX/XX/2022, they charged me another {$12.00} fee for being below {$1500.00}. But my account only was below the {$1500.00} average daily balance because they deducted the {$12.00} for the fee, which they eventually reversed. I didnt spend any other funds from my account. I requested that they refund the XX/XX/2022 fee because the only reason my account was below {$1500.00} was due to their XX/XX/2022 fee, which they reversed. But they declined to refund the XX/XX/2022 fee. This feels like an unfair and deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
A debt collection letter dated XX/XX/2022 was delivered on XX/XX/2022 to my parents ' address addressed to me from Commonwealth Financial Systems. The letter stated that Commonwealth Financial Systems is a debt collector, " we are trying to collect a debt the you owe to XXXX XXXX XXXX XXXX, the purchaser of the bellow referenced account. The creditor was XX/XX/XXXX XXXX XX/XX/XXXX. We will use any information you give us to help collect the debt. '' The letter further states " How can you dispute the debt? '' With the options of " Call or write to us by XX/XX/2022, to dispute all or part of the debt. If you do not, we assume that our information is correct. '' Below that option stated : " If you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' I wrote the company in writing, explaining my financial hardship and expressing that I would not claim the debt but was willing to compromise and pay the debt in its entirety at a reduced amount I could afford due to my financial hardship. I mailed the letter using the United States Postal Service by certified mail. The letter further requested Commonwealth Financial Systems responded within 10 business days of my initial offer and terms to settle the account as paid in full not a collections account on my credit report. As per Commonwealth Financial Systems letter, under the section, " What else can you do? '' option " contact us about your payment options, '' I made my attempt to civilly contact the company has refused to contact me back in writing to compromise with my initial request to pay the reduced amount and settle the entire account. On XX/XX/2022, I mailed a certified letter to the dispute requesting all original documentation. As per Commonwealth Financial Systems letter Reference : XXXX, Commonwealth Financial Systems states " contact us about payment options '' and " write to us by XX/XX/2022 to dispute all or part of the debt. '' Commonwealth Financial Systems did not honor their statement and immediately added the debt to my credit report without any action to communicate in writing a response to my letter. This is an unfair and deceptive practice and method of collecting this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I made a number of purchases through the Shop Through Chase portal that I haven't received credit for on my Chase Freedom Unlimited credit card.. 

I called in midXX/XX/XXXX, received an unsatisfactory response via post office mail about a week and a half later, and have subsequently sent messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX providing evidence of my clicks, receipts, my charge history, my Shop Through Chase click history, my order confirmations, and explanations. Chase has provided little to no response and no effort to resolve the situation except to tell me that they see my clicks through the portal. They also only respond once every three - five days because my replies need to be forwarded to the correct department before I get a response. 

I've also provided them a systemic issue- I had all of my clicks registered for purchases prior to XXXX, and once I moved to Hawaii, none of my clicks counted anymore. There's been no effort to resolve this issue. 

I have provided exact timestamps of my purchase receipts ( which I am sure are only a couple of minutes after the time of the click on my Shop Through Chase portal ) and while Chase has not yet provided a time for my click, I think it would show that the purchase happened a couple of minutes after the clicks, and it would be clear. Chase also has the time that the pending charge has hit the credit card, which should closely correspond to the time of the clicks. 

Chase acknowledges that I made the purchase on the correct credit card, acknowledges the click, and yet does not acknowledge that I should receive credit for the click even though I followed all the conditions for receiving rewards through the Shop Through Chase portal. 

I did not receive credit for these purchases on these dates : Click history : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 's XX/XX/2022 They are associated with these transactions on my credit card ending in XXXX : XX/XX/2022 XXXX {$810.00} XX/XX/2022 THE XXXX XXXX # XXXX {$82.00} XX/XX/2022 THE XXXX XXXX # XXXX {$38.00} XXXX XXXX, 2022 THE XXXX XXXX # XXXX {$320.00} XXXX XXXX, 2022 XX/XX/XXXX# XXXX {$54.00} Because I am confident this is a systemic issue, I have also offered to replicate the issue for them - I am confident I can make a click through their portal, make a purchase, and not receive credit for it. Chase has not responded to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the XXXX Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, Transunion and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed :XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update.XX/XX/XXXXXXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.

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 2022-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, Equifax, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and updateXXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.

Company response to consumer: Closed with explanation