vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Back in XXXX of XXXX, I was a victim of identity theft where thieves stole from my personal banking account well over {$2500.00}. As a result, I had to file a police report and open a criminal fraud investigation with my banking institution which didn't resolve the case until XXXX of XXXX. As a result, I fell behind on my payments to my creditors since I didn't have access to the funds needed to pay them being a victim of theft. I reached out to JP Morgan Chase notifying them and they put me on a payment plan which I am on now. I also sent them a certified letter explaining the situation and asking for an update on the negative credit reporting for the delinquent periods taking into consideration that prior to being a victim of identity theft I had always had on-time payments. On XX/XX/XXXX, a rep named XXXX from Chase 's Credit Bureau team told me that although I was a victim of identity theft there is nothing they can do to update the credit reporting. I kept explaining why I was needing it updated based on the circumstance of having been a victim and she told me there was nothing they can do for me. As a customer, I am shocked and hurt that being a victim of this situation there is nothing Chase can do as a long-time customer. This is causing undue stress for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I wrote this company a letter on XXXX XX/XX/2021 wanting all the unauthorized hard inquiries removed and received no response.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: ID

Complaint narrative:
Ill let you review the attached images because I cant even anymore. My payment to XXXX was returned and XXXX got an error that the account was invalid. I confirmed with them and tried to re-enter my information, but got an error about the routing number being wrong. I have spent 7 days now with Chime Member Services responding with irrelevant answers that couldnt be further from helping answer my concern or even address it in the slightest, it feels like. I have gotten a different rep ( 6 different people I think ) every day and had to re-explain and STILL get an irrelevant answer. My Chime Visa Debit card was also linked to a separate external account through XXXX, which now shows an error message that they do not accept my bank, despite using the card many times through them before. Both XXXX and XXXX have directed me to reach out to the financial institution, who is trying to say its the fault of the external account servicer, which doesnt make sense since its more than one account. To make things worse, my Chime Credit Builder was suddenly disabled last night ( XX/XX/21 ) around XXXX Mountain, and Chime Member Services has now gone 24 hours without responding, though I doubt a response would benefit me at this point. Ive sent screenshots, Ive explained in the simplest words I could, and its not being heard or understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One is reporting an account closed from XX/XX/XXXX as 30 days late on XX/XX/XXXX to restart the debt. Now keep in mind I also have a current account with them as well which I have paid on time. I have never had any direct contact or letter from them on my old account. I have never even received a letter it was closed ; yet they are somehow illegally restarting the clock on this debt by reporting it 30 days late - it has been closed since XXXX. I also have not received any current letters about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: CO

Complaint narrative:
According to my XXXX XXXX report a company known as Security Credit Services is reporting to my credit report that they are trying to collect a {$4700.00} debt. I have never received written notice about this debt. I don't know what it's for. If it is legitimate I haven't been notified where payments can be remitted. A read a lot of reviews from this company that said they don't send written notices they just show up and try to sue people. 

What recourse do I have and what can be done? This isn't legal right? It was my understanding that you need to be notified within 10 days of them mounting collections against you, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/CHEVRON DC Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX in a phone call this was not my debt or credit card. I was told XXXX  would check with Chevron. XXXX later told me in a dispute report that Chevron confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX XXXX XXXXXXXX cancelled my credit card. XXXXXXXX XXXX  down-rated my availability of credit. XXXX XXXX XXXX, XXXX notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. XXXX XXXX XXXX. also informed me that the credit card was charged at a XXXX gas station/garage in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. XXXX XXXX also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to XXXX XXXX XXXX. as I don't know how to do this by computer.

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 2021-01-25 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: WA

Complaint narrative:
I wrote this company a letter on XXXX XX/XX/2021 wanting all the unauthorized hard inquiries removed and received no response.

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 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2014 my bill for account COMENITY BANKXXXX ( opened XXXX XXXX, 2014 ) did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Please forward the information to Citi/ Macys Store Card . Thanks!

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX my account was closed by Pnc they froze all my funds I called them to see what was going on they told me it was up to the bank to end the relationship so I went to the branch where I opened the account I spoke to the banker that opened my account he spoke to one of the departments and he was told It was an issue verifying my information he explained it was a typo on his end asked if he could fix the issue and have my account remain open or release my funds to me they also told him no so on XX/XX/XXXX I spoke with XXXX XXXX from retails she acted as if she could help me or better assist me but then she turns around and says sorry its nothing more she can do my account is closed I have to wait 7-10 business days for a cashier check then on XX/XX/XXXX I spoke with some from the retail department because I had a XXXX sent to that It was for XXXX $ and it says pending so I called and they were like your account isnt closed its on hold and Im like last week I was told it was closed and he reassured me it wasnt so at this point Im seeking a lawyer because my account was closed because of error made by the bank also my funds was taking away from me during a pandemic and Im a mother of three and I have bills to pay also I was told my funds couldnt be released to me because it was closed then to find out its not is wrong because when I was at the branch they could have given me a cashier check then

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In 2002 I took out a loan with XXXX XXXX XXXX. During that time I paid the loan off I moved a few times. I never received my boat title. 
XXXX XXXX XXXX  in Texas has been sold out to Capital One. I do not know my account information and only have a non-negotiable Texas Certificate Of Title and paper work from where I bought the boat. 
I've been to XXXX  XXXX XXXX  XXXX and it still shows a lien on the boat. I have reached out to Capital One three times and have had no luck. 
I have given them my name, SS #, date of birth and even with that, they have not given me any information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On multiple occasions I have notified Chase Bank Card Services ( XXXX ) of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently Chase is reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
Carrington Mortgage company settled with me, a XXXX veteran, on a short sale buyer in 2019. They have now filed a 1099-C form illegally by seeking the benefit of a 1099-C and a guaranteed loan by the VA. Please help us get the 1099-C revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX  XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. 

This mishandling has created a hardship for XXXX  XXXX  operation. 

I don't believe PNC was acting in good faith. 

Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. 

I do have specific dates and times that I can refer to regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
COMMONWEALTH FINANCIAL is trying to collect a debt we were charged for 8 years ago on a trip to Florida. My daughter who was XXXX had to go to the hospital. We were charged by the hospital but also charged by the doctor who treated her. Our insurance would not pay twice for the same instance and of course, we refused to pay for being charged twice for the same instance. This company has taken this debt which two other previous debt collectors have tried to collect and we refused not only to pay the debt but also continue to tell them we know this is not a valid charge. 

This company has sent us letters asking us to pay {$400.00} to close the debt and of course, we refuse. This is a rip off and they know it, hence why it keeps getting pushed from one company to another. This is the ONLY company who put this on our credit report. Not even the Dr office would do this as they know it is NOT VALID. REMOVE IT NOW!

Company response to consumer: Closed with explanation