vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Both parents are deceased. Current death was my father XX/XX/2021. Gave death certificate to Chase bank XXXX XX/XX/XXXX. Asked if he had any other business at bank and they refused to give me info. now 1 yr later they summoned me with a suit to sue because of non-payment to an acct I had no knowledge to or wasn't authorized to get info back then. now that it is in foreclosure processing they want me to talk to me. funny how they are given me authorization now... .my name has always been on the death certificate. this could have been prevented and now I incurred all kinds of fees and a Chase bank rep told me that I can assume the loan. I asked the Chase bank rep if I can get more time before it was sold to look into this to see what I could do and he insisted on pushing to complete the assumption loan. after a few calls, a different Chase bank rep told me to suspend Foreclosure I can exercise the Covid 19 assistance for 18 months. turns out it was 12 but it helps. I called the rep that was pushing the assumption and told him what I had found out and I exercised the Covid 19 assistance with the 2nd rep. He immediately went into defense and said, " I told you that too! '' I complained about the 1st Chase rep and they did an internal investigation and found out that he never said anything about this knowing that I inquired about how to stop or suspend the foreclosure process. Chase bank resolution is " he will receive more training. '' Well, he definitely violated the Dodds-Frank Act by withholding info to assist me and this resolution they came up with isn't enough. I am stressed over these actions, I am no longer trusting Chase bank representatives and I am stressed and can not sleep or function right because of this. This has caused me mental stress and I can not find an attorney to call back or back me up regarding this matter in the state of Indiana. This law suit is reflecting on my records and causing others to proceed with suit because they have notified them. They are listed on the summons. Chase bank unfair and deceptive ways from the 1st representative should be illegal. The rep that reported the resolution to me said that she works with the individual that was not in compliant. I asked if all fails, can I negotiate for a lower payment since this is not my debt. She said Chase bank will not do so. I ask was she one of the deciding factors, she said " NO ''. Then she proceeded to question what other actions were I expecting to take with Chase bank which was strange and she asked what did I want them to do other than give the rep training. This whole thing is stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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:
I recently noticed that my information was exposed in a nationwide data breach. When I checked my consumer report I noticed there was fraudulent information being reported. I reached out to Experian and submitted an FTC identity affidavit, Proof of address, and identity, however, and requested the fraudulent information to be blocked. I recently checked my consumer report with Experian and noticed that an account was reinserted into my consumer report. Five business days have been overdue and I never received notification that the information was being reinserted. I doubt that Experian would willfully and knowingly reinsert fraudulent information and not inform me of the reason or status regarding the matter. I'm left to assume that this must be some form of mistake as I already reached out to the creditor to address the issue. this information should be blocked from my file. Also, I would like to be notified of any adverse information being submitted to my consumer report. I never gave the company XXXX XXXX  a permissible purpose to furnish any of my information. I did notify them that if they have been given consent to furnish my consumer report the consumer revokes or opts out of having my information shared. Experian is not in compliance with the code of federal regulation regarding this matter however I understand that mistakes can happen but also this is damaging me and defaming my character. How am I supposed to receive an extension of my credit if there's fraudulent information adversely affecting my person?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: LA

Complaint narrative:
I was contacted on XX/XX/2022 by XXXX, I was told that they were the collection agency XXXX attempting to collect {$260.00} related to an outstanding balance I had with XXXX XXXX XXXX, a public utility company. I had not received any notice of the debt from XXXX, both XXXX and the collector said that they had sent it to the address on file, where I no longer lived. I checked my balance online with XXXX, in addition to the {$260.00}, I also had a separate balance of {$250.00}. I called back the number, XXXX and asked for more information, wanting to clear the total amount owed. When I inquired about the separate debt of {$250.00} I was asked to provide my full social security number over the phone. Further, I was told by the representative that I could no longer pay XXXX directly for the debt. I declined to give them my ssn and called XXXX. 
When I called XXXX I was able to pay them directly for both balances. I received the list of collection agencies XXXX employs for collections and EOSCCA was not listed. 

I called EOSCCA and asked if they had purchased the debt or were affiliated in any way with the list of collection agencies XXXX provided and they said no. 

I am concerned that this was an attempt to steal my social security number, and I was given misleading information ( EOSCCA stated that I could not pay XXXX directly and that I needed to be transferred to their secure payment portal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: CL Holdings LLC
State: MS

Complaint narrative:
On XX/XX/2022, Jefferson Capital System added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. When contacting Jefferson Capital System, I was informed that they no longer had the debt and it was sent to XXXX XXXX. I called XXXX XXXX and was informed they couldn't find the reference number associated with any account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debit at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On Friday, XX/XX/XXXX, I made a {$250.00} deposit using my Chime debit card to XXXX XXXX XXXX located in XXXX, FL for XXXX on Tuesday, XX/XX/XXXX, with XXXX XXXX XXXX. This deposit was to secure my XXXX date. See email titled Congratulations. 

The total for my procedure was {$8500.00} minus the {$250.00} deposit, leaving me with a balance to pay of {$8200.00}. I also was required to pay {$25.00} for a drug test on my pre-op appointment which would be the day before XXXX. See email titled Congratulations. 

On Monday, XX/XX/XXXX, I paid off the outstanding balance of {$8200.00} using my Chime debit card. See receipt attached with my name as the title. 

On Monday, XX/XX/XXXX, I paid the required {$25.00} drug test. My XXXX was rescheduled from Tuesday, XX/XX/XXXX to Wednesday, XX/XX/XXXX due to a scheduling error with the clinic. See email titled Congratulations that details the drug test cost. 

I arrived for XXXX on Wednesday, XX/XX/XXXX, in which it was then cancelled by the doctor due to a clinic mistake with my medical history. The clinic admitted that it was their mistake and no other doctor at their clinic could perform the XXXX. XXXX XXXX, the XXXX XXXX, facilitied the contact with the Refund Department. See email titled Refund. 

They agreed to a refund in full of the total paid ( {$8500.00} ) with the cancellation contract being void as this was outside of standard procedure. Unfortunately, I received a lot of issues getting a response about my refund from the merchant 's refund department. See all other attached notes. 

I filed a dispute with Chime for all 3 charges on Thursday, XX/XX/XXXX after no contact from the refund department by the time I was told I was to be contacted. Chime gave me a provisional credit only for {$8200.00}. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$250.00} stating that the merchant sent over the voided cancellation contract starting that the deposit was non-refundable. 

On XX/XX/XXXX, Chime ruled in favor of the merchant for the {$8200.00} stating the voided cancellation contract. 

No response has been received on the {$25.00}. 

I followed up multiple times with Chime and requested the documentation that they used to make a decision. I forwarded the emails from the merchant, showing that they had voided the contract and I should be paid in full. I never received services from the merchant and I did not cancel. 

Chime then proceeded to say that I have not provided sufficient evidence, but will not state what else is needed when I have responses from the merchant confirming I am due a refund with their contracts void. Chime states the matter is closed after many emails. Representatives will not talk to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NY

Complaint narrative:
New and updated information. Equifax has not fixed the inaccuracies on my consumer report and continue to fraudulently act on my behalf ( see exhibit A ). I am in fact the consumer, acting on my own behalf without the help of any third party. Equifax continues to violate 15 USC 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They are also violating many more of my consumer rights. Please see the attached documents as it contains my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TX

Complaint narrative:
I have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my XXXX and Transunion credit file, accounts and inquiries that are not mine. 

XXXX is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
XXXX is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX NA ( XX/XX/2022 ) Factual Date ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX, 2022 ) XXXX  ( XX/XX/XXXX. 2022 ) TransUnion has tremendously dropped my score due to inaccurate credit reporting. 
TransUnion reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} Transunion is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 2022

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 2022-06-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, Experian sent me an updated copy of my credit report with a negative item reporting, stating that the information came from their data furnisher XXXX. 

However, in XXXX, the data furnisher XXXX informed me that the alleged data was deleted from my XXXX credit file, as the information could not be verified. 

I sent a follow-up letter to Experian in XX/XX/XXXX showing proof from their data furnisher XXXX, as well as additional proof documents that the information is not valid, and has been deleted from the other two bureaus ( XXXX and XXXX ) . 

In XX/XX/XXXX, Experian sends a letter which states the information was verified by their data furnisher XXXX. However, Experian did not provide any evidence, and the letter looks exactly the same as their letter from XX/XX/XXXX. 

Experian is committing an act of negligent noncompliance as defined in the Fair Credit Reporting Act 617 -- " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ]. 

Experian continues to report this negative item on my credit report, which has prevented me from obtaining credit, and having my loan application denied due to this negative item that needs to be removed from my credit 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 2022-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
4 Remaining Negative Accounts. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: FL

Complaint narrative:
I noticed that XXXX XXXX  was sending me an alert for a late payment to which I immediately signed in on Friday, XX/XX/2022, because I was confused as I have no debt. 

Prior to this event, I had problems with XXXX and their XXXX XXXX storage being billed ( {$10.00} ) to an XXXX by XXXX XXXX. It was a problem around the time of XXXX when my mother died. I didn't know how to pay the bill because I didn't know I wouldn't receive a paper bill. Still I fixed it with them and had them auto pay it. They convinced me to keep the card in the event that I wanted to purchase an XXXX product, I would receive 3 % off, so I agreed, but assuredly told them I don't use the XXXX XXXX and I didn't want it accruing charges when I didn't receive a paper bill. 

I noticed when I signed into XXXX XXXX it was that silly XXXX fiasco for {$10.00} to which I promptly paid it. Fast forward to today : My credit score fell from XXXX to 7 something, a ridiculous penalty for a {$10.00} charge. We all know how hard it is to get your credit report up XXXX points - and now - the only blemish on my report is this " late '' comment to which I wasn't even aware it was late because the XXXX  by XXXX XXXX is all on the XXXX, electronic. I never, ever go into the wallet app on my phone. I don't even need this storage they said I did. And I can not remember to pay this monthly on an app! And I told them this! They need to fix my credit report. They need to stop accruing this {$10.00} charge ; I honestly feel its a scam to ruin people. Heck, I give {$40.00} to hte XXXX man and go in and buy his dogfood and buy him shoes and I am going to ruin my credit for a lousy {$10.00} because of these people! Shame on them. I want this fixed. I had stellar credit that I worked really, really hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my my written instructions.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief