vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
For the last 2 months the balance reported from JPMorgan Chase has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. Chase then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/XXXX. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called XXXX and explained this on XX/XX/XXXX. They told me the case will continue til Chase verified the amount owed. I wake up XX/XX/XXXX to an email saying XXXX checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13 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: NV

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Legal Action Bureau Inc
State: TN

Complaint narrative:
XX/XX/21 - I have a recording of the call with XXXX from Legal Action Bureau. He repeated called before XXXX CST on XX/XX/21. In addition, when I spoke with him on XX/XX/21 - I put him on hold to research my bank records, as 1 minute passed, I came back to the phone to ask XXXX to hold on another mintue, he aggressively response, " you know this is real and we're going to report it for {$100.00} if you don't pay. '' I tried to explain and he continued to over talk and become more aggressive in his approach.This company should not be in business or XXXX should be fired. XXXX lied and said that if I don't make the payment through legal action bureau by XXXX Eastern time, that it will be reported to my credit bureau. I contacted southern lawn made the {$100.00} payment XXXX at XXXX on verify that I have a choice if I want to pay through them I can or legal action bureau. She confirmed that since I made my payment through southern lawn, she would contact legal action bureau and let them know the payment has been received. XXXX is in violation because one he lied to he's aggressive and he was harassing me. In addition if you listen to the recorded call they did not even contact me the correct way they had the incorrect email and phone number and today yesterday was the first time they contacted me regarding this so that was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In the spring of XXXX my wife opened a credit card account with American Express through the XXXX XXXX program and ordered an additional card for myself. Both cards arrived but a week or so later I received a letter from AMEX stating that my card was cancelled because I had filed Bankruptcy against their company. I though this was a mistake so I called them to find out that this was not a joke but they were serious. Yes it's true I filed bankruptcy and disbursed an AMEX card but that was in XXXX, more than 15 years ago. If I am not mistaken under bankruptcy law the creditors can not hold a bankruptcy against me after 10 years? I have many credit cards now because my FICA score is XXXX and I just bought a car. The credit card number of the AMEX card that was cancelled is as follows XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2021-01-13 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I had a collection account with Sunrise Credit Services where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor XXXX XXXX, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact XXXX XXXX. I have contacted XXXX financial on multiple occasions, and they have told me the debt was purchased by Sunrise Credit Services.

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 2021-01-13 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: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For the last 2 months the balance reported from XXXX XXXX has been incorrect. One payment of XXXX was made XX/XX/XXXX. I was given a payoff of XXXX which was paid XX/XX/XXXX. XXXX then renigged on the payoff balance after giving me the quote over the phone not one but twice leading me to believe that late fees would be waived. While on the phone the XXXX, a payment was made at a local branch of XXXX and immediately once they saw the payment in the system they transferred me to a different department and told me they were not waiving late fees and refused to close the account til i paid {$280.00}. As upset as I was, I did pay the final payment of {$280.00}. This payment was made the XX/XX/2021. 

I filed a dispute and XXXX did not even fact check and deemed the balance accurate. Even though when you called the number to verify the balance owed as of XX/XX/XXXX, the automated system told you the final payment was made of {$280.00} and the account was now closed. I called Transunion and explained this on XX/XX/XXXX. They told me the case will continue til XXXX verified the amount owed. I wake up XX/XX/XXXX XXXX to an email saying Transunion checked this and the dispute was closed and I still owed {$1500.00}. Transunion did not accurately investigate and closed the case without doing a thorough investigation. This loan is paid in full and needs noted as closed.

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 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: LA

Complaint narrative:
The Name of the company is Cash App, On XX/XX/2021, I received an email from Cash App stating that my account was locked and that they received a report of unauthorized activity on the cash card associated with my account. On XX/XX/XXXX the XX/XX/XXXX four unauthorized transactions took place from my account, {$65.00} at XXXX XXXX, {$60.00} at XXXX XXXX, {$55.00} at XXXX XXXX, and {$95.00} at XXXX XXXX. The money was sent from my cash app account by someone else. I did not authorize those transactions nor did I provide anyone with my personal information pertaining to my cash app account. I have reached out to Cash App 20 emails ago. They have been giving me the run around faithfully, and denied my initial dispute. They told the the XX/XX/XXXX that they did not receive any emails from me. Little did they know, I forwarded all the emails to the XXXX XXXX XXXX XXXX. Shortly after that, I received an email that I need to answer the same 6 questions again that I received the initial dispute denial email for. Please see attachment. I reached out to the XXXX XXXX XXXX and after they reviewed my emails and information, they provided me with Consumer Financial Protection Bureau information for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Stimulus deposited on XX/XX/XXXX according to get my payment website paypal still has not posted it to my account and its thevXXXX XXXX XXXX now paypal.claims no records of deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: Siggi LLC
State: GA

Complaint narrative:
I had a collection account with XXXX XXXX XXXX where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor Omni Financial, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact Omni Financial. I have contacted Omni financial on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have been getting calls after calls and having rude people saying if I dont pay, I will go to court and be charged. I was not aware that XXXX XXXX XXXX put me in a collection. I never sign any document with LVNV Funding LLC to be harassed in this matter. Please remove this collection I never applied for with LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I sent a letter via certified mail in XX/XX/2020 requesting a signed contract between myself and Trident Access Management. They responded by sending a letter saying that the debt had been purchased by XXXX XXXX XXXX and that they were just the ones reporting it to my credit. They have yet to provide any signed contract of proof that I owe them or XXXX XXXX XXXX. The contract that was sent shows I only have a signed contract with the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, Reported : XXXX XXXX, XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CL Holdings LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX stating I had an outstanding balance of {$2100.00} sold to the debt collection company, XXXXefferson Capital Systems LLC. The problem is I never authorized the creation of a XXXX account in my name and was never aware of the transactions taking place on that account, seeing as they were from XX/XX/XXXX and they were done without my authorization through the work of a third party email that used my name and other credentials to create a scamming account. When I realized this, I immediately contacted the debt collection agency and was directed to file this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: PA

Complaint narrative:
JEFFERSON SYSTEM LLC FROM XXXX XXXX  MN. 

REGARDING 5 YEAR OLD XXXX DEBT I AM XXXX, SET THEM A LETTER AFTER 4 YEARS ( WINDOW OF TIME IN PA ). AFTER THE 4 YEAR PERIOD + TOLD THEM BY MAIL THAT THEY WERE NOT TO CONTACT ME REGARDING DEBT. 

THIS XXXX AT XXXX RECEIVED A CALL THAT THEY ARE TRYING TO COLLECT A DEBT AND THEY COULD TAKE LEGAL ACTION. OUT RIGHT LYING, 1 ) VIOLATING AFTER BY MAIL INSTRUCTED THEM NOT TO 2 ) OUTSIDE THE PA 4 YEAR WIMDOW 3 ) THE IMPLIED THREAT OF ANY POSSIBLE LEGAL ACTION THEY MAY TAKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am sick and tired of this fraudulent collection of debt and this gangster collection from a corrupted company. Could you please help me seek relief from Tsi/XXXX and their illegal collection tactics? I have begged for a debt validation several times to no avail. It is unlawful and fraudulent. I am forced to file this complaint to protect myself and others from this criminal enterprise. I am seeking protection. I live at XXXX XXXX XXXX, XXXX, Georgia, for the last fifteen years, and I do have gas service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a phone for my XXXX elderly mother. The price was {$200.00}. XXXX charged me {$290.00} plus tax. They owed me over {$90.00}. I filed a complaint with my credit card company and XXXX agreed to give me back only HALF the amount. This is illegal In addition, the phone was LOCKED. I spent 4 hours trying to activate it. I finally had to go to the store. They spent another 2 hours trying to activate it. They finally had to give me a replacement. They also gave me a gift card to partially compensate me for the extra 6 hours I had to spend due to their error. To my horror, they overcharged me {$96.00} in addition to sending my XXXX mother a phone that did not work. ( I had to also go to another state to deal with all this as my mother can not drive ) See attached. XXXX says the price of the phone is {$200.00} ( on sale, usually {$290.00} ). Instead of billing my credit card {$200.00}, I was charged {$330.00} ( see credit card statement ). I should have been charged {$240.00} I spoke to XXXX a Senior XXXX at CITI in kentucky. He refused to go back to XXXX for me to get my money even tho I provided the documentation that I was overcharged {$96.00}

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
XX/XX/21 and XX/XX/21 resubmitted documents concerning loss mitigation and unemployment award benefits. I XXXX XXXX use the email that was provided to me by Freedom Mortgage.

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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!

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 2021-01-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Due to Covid, our XX/XX/2020 flights booked through XXXX were canceled. After numerous calls and emails to the company we've yet to receive our refund of {$2900.00}. While the company has offered vouchers, we can not use them and have denied them. We have submitted two dispute requests with Chase Bank, both of which found the charges to be " valid ''. While the charges may have been valid at the time of booking, we never received the service and therefore they became invalid. Chase maintains that they conducted a thorough review of the charges. However, they provide no documentation, no dates, no contacts, no procedure for this alleged review. The concept is simple : We paid for a service, didn't receive it and want our money back. Chase Bank should be advocating for the consumer, not the vendor.

Company response to consumer: Closed with explanation