vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I contacted the company to have it removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off your credit report because the fair credit reporting act states they must supply you with an agreement between you and creditor and they have failed to do so, so i do not owe the bill.

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 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i moved from XXXX  my address in XXXX was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and moved to XXXX my new resident is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX i have called them many times but no action was taken with EQUIFAX other agencies as updated to my current address and its affecting my verification process for things i want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I pulled all of my money out of my brokerage account and then I was about to close my checking account when Citibank charged me a " monthly {$25.00} service fee '' which I had never paid before. They then summarily closed my account without my permission.

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 2019-06-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX  balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

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 2019-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bass & Associates, P.C., Attorneys at Law
State: VA

Complaint narrative:
Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in  fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has a number of " Credit Alerts '' for Collections that I have tried to open a dispute with the agency over a period of 30 days, but each time I attempt to do so its site claims, " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' And when I try calling direct I'm placed on hold interminably. 
One of the Collections is : XXXX XXXX XXXX {$70.00} And another is : XXXX XXXX XXXX {$580.00} Since I can't open a dispute, I can't even determine what these are for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: LA

Complaint narrative:
On XX/XX/2018, I purchased, via my Chase Sapphire Preferred Card, a  wooden carving of the XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. The amount paid was XXXX. -- rupees. When I unwrapped it at home, in early XXXX, I discovered XXXX XXXX had substituted a carving of inferior quality. 

I contacted Chase Sapphire immediately ( XX/XX/2018). I wanted to return the item ( at XXXX    XXXX 's expense ) and receive credit. I first contacted XXXX  XXXX, who denied the substitution. 

Several months later I received a call from XXXX, a Chase representative. She asked whether I still had the item ; I said I did, and was awaiting mailing instructions. I asked if I should return the item at that time ( at my own expense, to speed things along ). She advised me NOT to return the item. This telephone conversation was probably recorded. 

Over the following weeks I received a couple of telephone messages from XXXX. In both cases I missed her call. She was " unavailable '' when I returned the first call, so I left a message. In the other instance the return number she provided was " not in service '', and I could not leave a message. 

I then received a notice from Chase stating that my dispute had been settled in favor of the vendor, BECAUSE I HAD NOT RETURNED THE ITEM. When I contacted Chase, another Chase representative, XXXX, advised me to return it. I did this immediately, at my own expense. 

To " reopen '' my case, Chase required that I resubmit all documentation, via fax. The closest fax facility to my home is over forty miles away, round-trip. These documents were " lost '' by Chase, and I was told to resubmit them, again by fax. 

I last spoke to Chase a month ago. I was advised that my case is under review. My latest credit card statement, which I received about a week ago, still does not credit my account. 

It has now been eight months since my initial complaint. I was given conflicting instructions by Chase representatives. There was never a good-faith attempt, at any time, to contact me. The item was returned, at my expense ( approx. {$75.00} ) months ago. I have twice had the expense of faxing documents to Chase. I have had the trouble of two forty-mile round-trips to a fax facility. I have never received any documents from Chase that they are even working on the problem. I feel I am being given run-around by Chase representatives. 

I feel this matter will never be resolved, unless I register a complaint with you. I hope you can help me with this problem, and have my account credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am unable to access my credit report or credit dispute results through Equifax 's webpage. Every time I try, I get a number to call instead. 

When I call their number, they tell me I must do everything over the phone or via mail. When I ask to speak with someone who can help me with my online access problem, I'm told no one in their company can help me. I just have to use the phone. This is completely unacceptable to me, as using the phone requires about 30 minutes of identity verification and requires me to buy another credit report so I can answer security questions. 

They company should be able to explain why I can't access my account online and provide a remedy. They tell me no remedy is possible, which is complete nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rhojo Enterprises, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I sent a certified mail asking this collection agency to send back documentation of this. Not only didnt I get a response from Orion recover it fell off my credit and was added as XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my report

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 2019-06-08 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:
I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted XXXX and Equifax multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX  and XXXX report late payment in XXXX. Equifax reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
*XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX  has removed this account, Equifax reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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:
I have contacted XXXX 3 times within the last year to try and correct my credit report. Each delivery attempt was verified with return receipts via USPS to them. XXXX  is willfully and recklessly reporting false information. The most recent attempt was received by XXXX in XX/XX/XXXX and they did not respond at all. I have also contacted Experian and XXXX  multiple times within the last year. I have provided valid and accurate information along with a copy of my credit report showing the discrepancies side by side during previous attempts. Please help with correcting the following issues : *Previous address- XXXX XXXX XXXX XXXX XXXX, WA. I have never resided at that address. Delete immediately *XXXX  XXXX XXXX XXXX and Experian report late payment in XXXX. XXXX reports ok but a late payment in XXXX. Payment was not late. Please report as ok. 
*XXXX/XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. Account does not have required notice of dispute. Account is lacking contact information. Delete this account immediately. 
XXXX  XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian has removed this account, XXXX   reports XX/XX/XXXX. Account does not have required notice of dispute. The account has been sold without reporting as such. Account still shows a balance and monthly payment. Delete this account immediately. 
XXXX XXXX XXXX XXXX Date last active is inaccurate. XXXX   reports XX/XX/XXXX, Experian reports XX/XX/XXXXXXXX XXXX  reports XX/XX/XXXX. Delete this account immediately. 
XXXX XXXX XXXX Date last active is inaccurate. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX. Delete this account immediately. 

*Inquiries THE FOLLOWING DO NOT SERVE A PERMISSIBLE PURPOSE -XXXX did not extend a firm line of credit. Also no account was established. Please remove immediately. 
-XXXX did not extend a form line of credit. Also no account was established. Please remove immediately.

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 2019-06-08 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: FL

Complaint narrative:
I have a Marriott Visa account with this bank ending in XXXX. When the account had a balance last year, I set up automatic payments for this account in order to decrease any chances of it going past due. Last XXXX, Chase reported me as being 30 days late to the credit reporting agencies. From what I can tell, this was due to Chase not processing my automatic payment for some reason or another. Chase never notified me ( call, email, text, mail, etc ) that there was a problem. Had I known this was the case, I certainly wouldve taken care of the matter immediately, which was done upon receiving a notice from XXXX regarding the late. The payment amount was only {$50.00}, which I most certainly had more than enough funds to cover. This late payment has caused my FICO score to drop significantly, since its my only late payment being reported. As a result, my credit limits on other accounts have been cut and interest rates hiked, thus damaging me further. In fact, Chase slashed my limits on multiple accounts with them, plus closed my oldest account. Ive disputed this with the bureaus already and already contacted both customer service and the executive office within Chase, but they refuse to accept any responsibility or have the bureaus remove the 30 day late. At this point, my main option left is mediation with the CFPB or a lawsuit seeking financial damages theyve caused me, which I can certainly provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: DISCOVER BANK
State: TX

Complaint narrative:
credit company combined my file the XXXX data breach has cause me so much harm please get these ftc violation off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have three separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.

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