vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
In XX/XX/2015 a rental car was stolen from me and I got it back and returned it to XXXX XXXX XXXX. I negotiated to pay them {$560.00} which was {$200.00} more than I owed them for the trouble. They in turn filed a fraudulent invoice for {$3000.00} which I notified Chase that it was fraudulent and what had happened. Chase Bank in turn took my entire SOCIAL SECURITY XXXX check for 5 months straight to pay costing me my home, vehicle, credit, homelessness for 3 years and counting. I had a great credit score at the time which was gone in a month of not being able to pay basic housing and cost of living and other creditors. I fought them to get it returned repeatedly and would get it back provisionally just to have them bounce all my payments made including rent and storage. I've lost everything including my home of 16 years, my jewelry, my life as it was, my credit and even my dogs which were my whole life. What they did was illegal and they have managed to get away with it still. I want my money back, credit restored and all delinquent debts subsequently corrected that were due to their actions and XXXX XXXX And would like them both sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Experian report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Experian has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such 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 non-monetary relief
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
XXXX XXXX {$1900.00} ... this collection Agency has no contract, no valid claim, debt was settled with original creditor which is XXXX ... it is against the F.C.R.A. law ; you can not collect a debt twice ... and XXXX verification is faulty and outdated creditor stated ... litigation will follow for erroneous account and claim ; please remove and do not re-insert ...

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 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...

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 2018-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Company-CapitalOne falsely reporting that I owe {$300.00} from XX/XX/2017. 
They have ruined my credit and score since then and I would like for CFPB to do a thorough investigation to make sure they are under investigation for sending false information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Last Saturday, XX/XX/XXXX, I was looking for a concert ticket for the XXXX XXXX XXXX XXXX. I found a guy, XXXX XXXX ( XXXX, XXXX ), who had what he told me was an unregistered ticket for the remaining two days for {$150.00}. He said he trusts XXXX, which upon researching the company I found ALL of the banks including my own ( Chase ) were partners. 

I submitted the payment of {$150.00} and the app told me there was a problem and it did not send. So I sent it again and this time it went through. Upon checking my bank account, both {$150.00} were sent ( {$300.00} total ) despite the app telling me the first one did not go through.

I contacted Chase to immediately cancel the transactions within 5 minutes of it happening. The lady on the phone told me I had to contact XXXX. I hung up and immediately contacted them. The guy on the phone even noticed the error and told me he did see the error, but then told me that there is nothing they can do and that I have to contact Chase. 

I contacted chase again and was transferred to 5 different people. All of them asked me the same questions ( for security purposes ) so this phone call lasted 30minutes. The first 4 people said I had to be transferred. Finally, the last lady told me the guy already withdrew the money so they can't cancel the payment. They sent a letter to the bank but after 8 days, I have received nothing. 

Despite the first payment not even supposed to go through, both went through and the guy went silent. I know {$300.00} feels like a low amount, but the {$150.00} for the tickets was the last of my spending money that I saved just for that concert and with another {$150.00} going missing as well, I am struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...

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 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXXr verification that you utilize is faulty ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: NM

Complaint narrative:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-10-21 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: WA

Complaint narrative:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

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 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you

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 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Citi Checking & Savings account using their promotional offer where I needed to deposit {$15000.00} in Checking & Savings account and keep the money for 60 days. They were supposed to then process the bonus and pay me {$400.00} within the 90 days. However, a while back I received an email from them saying that I did not qualify for the offer when I never took a single penny out of my account. I still have {$15000.00} in the account since the day I opened the account. I have tried to contact them several times but their staff is very robotic and says the same thing over and over again instead of looking into the issue. They opened a case for me and it has been over two weeks but I have not heard anything back from them. Please help me so I can get my {$400.00} from them that they would not give me as promised. Very disappointing experience with them. Terrible customer service. 
https : //banking.citi.com/cbol/18/checking/400/default.htm? BT_TX=1 & ProspectID=E550C0FED0F6464BB8C1799FCD23A72D " Dear XXXX, Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( `` Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offers required activities for the following reason : The required deposit balances were not maintained during the offer period ''

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 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX/ XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you

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 2018-10-21 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: TX

Complaint narrative:
Hello, On XX/XX/XXXX I submitted a request to Equifax to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX 120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XXXX 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXXXXXX XXXX {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I checked my credit score via XXXX  and there are two accounts in collections from XXXX XXXX XXXX. It appears the debts were send to collection to Wakefield & Associates ( XXXX XXXX XXXX, XXXX TN XXXX ) One is for {$320.00} from XX/XX/2014 and the other is for {$900.00} from XX/XX/2014. 
I never received any bills or communication from XXXX XXXX XXXX or from Wakefield & Associates. The two accounts in collections have negatively affected my credit score. I don't recall ever using XXXX XXXX XXXX for medical services and I certainly did not receive any bills or calls about any debts.

I want the accounts in collections removed from my credit record. 
Thank you.

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 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Hello, I have tried to get verification from Bull City Financial, the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I have also sent letters to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
I sent over 4 letters demanding validation and they don't respond to me. The last letter I sent was certified mail on XX/XX/18. So far nothing and it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: TX

Complaint narrative:
Hello, On XX/XX/XXXX I submitted a request to XXXX to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX/XXXX  {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX/XXXX  {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX  120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XX/XX/XXXX** 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXX XXXX   {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late

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 2018-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . Account- XXXX. They are reporting that I owe {$10000.00} since XX/XX/2016. They are reporting false information on my credit report to all 3 major bureaus including 3rd party credit reports. They are harassing me and ruining my credit with false and inaccurate information. Please CFPB, help do a thorough investigation with these people. Its really overwhelming when they are trying to steal money from good people. The 3 major bureaus are not doing a thorough investigation which they are illegally  sending out false information back to me. Please have them remove this item away into their pockets. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I sent multiple request for validation and they do not respond. Last letter was sent on XX/XX/2018 certified mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21 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: CA

Complaint narrative:
XXXX, Transunion and XXXX has many unauthorize inquiries and negatives reporting that is hurting my credit scores and opportunity to achieve a VA Home Loan to purchase a home in California. 

Here is a list of Unauthorize inquiries from all three major Agencies. 
( 1 ) Transunion displays 1.XXXXXXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX via XXXX XXXX 5XXXX XXXX XXXX 6.XXXX XXXX  XXXX via XXXX XXXX 7 XXXX XXXX XXXX XXXX. 

( 2 ) XXXX, 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXXXXXX 3.XXXX XXXX XXXX 4.XXXX 5.XXXX ( 3 ) XXXX. 1.XXXX  XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6 XXXX XXXX XXXX XXXXXXXX 7.XXXX XXXXXXXX XXXX. 

I am XXXX, Retired Lifetime. Very Urgent Matters on my credit scores and my credit to be in prosperity and Innovation.

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