vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a closure letter In the mail One year and two months after getting my Citi credit card. The letter stated that the card was not utilized enough so it was closed I was never told this from Citi as many times as Ive called them. When I touched base on Friday XX/XX/XXXX Citi stated they would open my card back up I would receive a letter in the mail verifying that and it would never report to the credit bureaus that my card was closed GREAT news except for the part where they lied about that and canceled the request when I got off the phone. I called back in to find out some more information and was notified that my card was closed and I had no regards to getting it back unless I just applied for another card. Ill I got was Ill make sure I inform her manager About what that she was misleading the services in which were stated that I was getting provided. I mean at the end of it all I was never notified my card was closed then I was lied to about the terms and conditions of my card being reopened.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a letter from Chase Card Services stating that they would be taking negative action against my credit line based on an unsolicited credit review of my account. In the letter, it clearly stated that if I wished to preserve my rights in disputing the finding that I must send a reply in writing. 

On XX/XX/XXXX, I sent a letter providing additional information disputing their findings and providing additional information. 

Only XX/XX/XXXX, I received a phone call informing me that if I wished to dispute the negative action on my credit that they require that I wave my rights to have my dispute be handled in writing. I informed Chase that I had no intention of waving my rights and informed them that I want my response in writing. I then wrote another letter to them stating that I do not wave my rights to having my dispute handled in writing. 

On XX/XX/XXXX, I received another letter from Chase stating once again that if I wished to dispute the negative action on my credit that they would not handle it in writing but I would instead need to call them. In the letter they said that this action was being done, " to be fair '' ( no explanation of how waving my rights of my dispute in writing is supposed to be fair ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.

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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Ben getting a lot of calls from Central XXXX Portfolio control, explained to the lady on the phone that i didn't owed any of those medical bill that she claimed, I even told her i i work for XXXX XXXX as XXXX XXXX XXXX  and my primary care provider and medical/health check up/visit is all through XXXX XXXX. I even send them a copy of my insurance to XXXX. Also explained to them that I'm a victim of Identity theft. 

Instead of leaving me alone, they called me multiple times and threatened me, my wife and my kids by telling me that they will get their attorney and the federal government to put me to jail if i don't pay up and their attorney is able to get the judge to put me behind bars for my whole lifetime, they also tell me they have the capabilities to destroy my credit history which they have done that as my credit report shows central portfolio control. They also harass me by calling me multiple times, in the morning around XXXX to XXXX XXXX, in the afternoon around XXXX XXXX, in the late evening around XXXX to XXXX XXXX. 

I try to explain to them every time they call me but they just don't even bother to work with me even after i told them i even send them a copy of my insurance card to show that my insurance and the company i work for is XXXX XXXX, Please assist me in this issues as i have tried everything i can and they keep harassin me on a daily basis. The phone number they called from is XXXX Have a bless day! 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE. I HAVE ATTACHED REPORTS HIGHLIGHTING THE DEROGATORY ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL.

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 2020-07-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding ~ {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of 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 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I am trying to resolve an issue with the following debt collection agency " TAM/SPEARS DEWITT HALL '' regarding a debt reported on my credit report that I believe does NOT belong to me. I have asked numerous times through certified, return receipt letters to them to please send me copies of original documents. So that I, may in fact confirm if the debt is mine or not. I didn't get a response or the proof I asked for from them. All I received was a letter from XXXX  stating they have verified the debt, but NO PROOF was sent to me as requested. My first letter to XXXX  and " TAM/SPEARS DEWITT HALL '' was in XXXX. I also, tried to call directly the original creditor " XXXX XXXX '' and was told I had to deal directly with the collection agency. I'm at a lost and don't feel like either one is able to give me answers or provide me with the PROOF I have requested and should be entitled to by law. Please help me, I do not know what else to do or how to resolve this issue. In total, I have sent three letters to them in my efforts to resolve this matter. 
XXXX  FILE # 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 2020-07-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding XXXX {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of 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 2020-07-25 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a XXXX XXXX Security Camera On XXXX  on XX/XX/2020 from a XXXX XXXX through XXXX using a American Express credit card. Upon placing the order, the merchandise said it was delivered within one minute of placing and a tracking number was issued with USPS. The tracking never updated and suddenly a week and a half later, it said it was delivered at XXXX, the mail doesn't come at that hour at all. I went to go check the mail and there was no package there. I waited a few days because maybe it was late as XXXX told me to and it never arrived. I contacted the merchant and asked about the tracking and what it said but the merchant never responded to any messages. I also have the documents showing that the merchant ignored my messages. I contacted XXXX and they also ignored me and spent months investigating with an outcome that it was delivered. I contacted USPS and they opened an investigation and said they had no record of any package. I also have all the documents showing this. I started a dispute with American Express and I submitted all the evidence to them and they continue to try to bill me for the amount of {$170.00} even though I never received the camera. They continue to side with a merchant who ignores my messages, deleted their XXXX account and is trying to scam me into paying something I never received. This is the 4th time I am disputing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Since XX/XX/2020 I have been trying to dispute and get late payments from my Great Lakes student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I MOVED TO XXXX  ON XX/XX/XXXX.I HAD BEEN WORKING IN XXXX XXXX  FROM XX/XX/XXXX THUR XX/XX/XXXX. MY NEW POSITION STARTED ON XX/XX/XXXX AND I WAS LAID OFF ON XX/XX/XXXX BECAUSE OF THE COVID. I APPLIED FOR UNEMPLOYMENT FROM XXXX  ON XX/XX/XXXX, I WAS APPROVED ON XX/XX/XXXX. I DID NOT RECIEVE ANY PAYMENTS UNTIL XX/XX/XXXX, AND THEN I RECIEVED MULTIPLE ACH DEPOSITS TO MY CHASE ACCOUNT BECAUSE OF THE TIME LAG. 

ON XX/XX/XXXX CHASE BANK FROZE MY ACCOUNT AND DEBIT CARD. ON XX/XX/XXXX I CALLLED CHASE AND WAS INFORMED THEY WERE CLOSING THE ACCOUNTAND I WOULD RECIEVE A CHECK IN 7 TO 10 BUSINESS DAYS. 
SINCE THEN I HAVE SPENT HOURS ON HOLD WITH CHASE, MET WITH MY CHASE BRANCH MANAGERS 3 TIMES AND TURNED OVER DOCUMENTATION TO THEM FROM THE STATE OF XXXX. MY ACCOUNT WAS OFFICIALLY CLOSED ON XX/XX/XXXX. I HAVE BEEN IN CONTACT WITH XXXX FROM THE EVECUTIVE OFFICES AND HE STILL ISN'T ABLE TO TELL ME WHEN I WILL RECEIVE MY FUNDS.AS OF XX/XX/XXXX. 

THE AMOUNT OWED IS {$7000.00}. I MADE A DEPOSIT OF $ XXXX.FROM A FAMILY MEMBER THAT CLEARED ON XX/XX/XXXX AND ANOTHER DEPOSIT OF {$3900.00}. THAT WAS A BANK CHECK FROM XXXX  XXXX XXXX  IN THE SAME WEEK. 
THIS ACTION BY BY CHASE HAS CAUSED ME TO BE BEHIND 2 MONTHS ON RENT, CAR PAYEMENTS, LATE CHARGES, ADDITIONAL INTEREST ETC AND EMBARESSMENT AND STRESS. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
Filed dispute on XX/XX/20 due to the wrong amount showing on my credit report. I was able to get old bank statements that shows i made 6 payments of {$31.00}. My contract was for a total amount of {$800.00}. If you subtract what i paid i only owe {$620.00}. After my dispute they now say i owe them {$930.00}. I sent them the bank statements showing the payments I made. The companies involved are Aargon Agency which is representing the XXXX 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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied

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