vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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:
My cell phone was stolen and the criminal got into my online Chase and  XXXX accounts. They stole every penny I had ( over {$6700.00} ) by XXXX ( I don't use XXXX ) and  XXXX XXXX. I put in a claim with Chase which they reversed about {$6000.00} ( only the XXXX payments ) then they took they money back causing my account to be over drafted by {$510.00}. I refused to pay that so they closed my account after 60 days. I am the victim of a crime in which I went to the police department. I was told that they were going to resubmit a second claim. This never happened. I just want my money back that was stolen. I have proof that the money was sent to someone I do not know. This crime was performed on XX/XX/XXXX and  XXXX XXXX  2021. The compromised account # XXXX. The replacement account number was # XXXX ( which they closed on XX/XX/XXXX ). Because I had no money and was unemployed at the time, I had no money to pay my cell phone bill and rent. XXXX ultimately close my account also so I have two collection accounts on my report. There were MANY sleepless night and fear of uncertainty living as a homeless person. Feel free to call ( XXXX ) or e-mail me if you need any other information or need to contact me until I am able to purchase a new phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: NC

Complaint narrative:
I have reached out XXXX  the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed XXXX  represent anything validate on 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 2021-12-07 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: TN

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : TN XXXX XXXX XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I had a forbearance with Dovenmuhle Mortgage and applied for a loan modification after the forbearance. I paid XXXX trial payments. After I made the trial payments, Dovenmuhle transferred the mortgage to XXXX XXXX who does not recognize the agreed upon loan modification with Dovenmuhle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: IL

Complaint narrative:
I have written letters in the past and currently to Experian Consumer Credit reprting agency asking them to remove any and all Public record information from my credit file, that includes bankruptcy information, and they refuse to do so. Their results always come back as updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
For months I've been severely affected by the two items in my XXXX XXXX XXXX and Citizens Bank When I contacted Citizens I provided my FULL SOCIAL to verify the alleged account ending in XXXX with the alleged amount of {$430.00} and verify it so I could make plans to resolve it ( since the account was still owned by them ) they could not find any record of said account that is reporting NEGATIVELY and defaming my character via XXXX XXXX. 
Yesterday XX/XX/2021 I pulled my account and it's still there. This is inaccurate and frivolous they can not find the account, it should not be reported, also there is no " closure status date '' for Citizens and there is one for XXXX this is INCOMPLETE. I do not agree with this. 
This defamation of character is hindering my ability to open bank accounts and better my future for my children and me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07 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: NJ

Complaint narrative:
hi, on XX/XX/2021 i purchased a XXXX XXXX ( as pictured on the website. with these specifications ) for full price of {$490.00}. with my CHASE FREEDOM CARD. XXXX XX/XX/XXXX i got the stroller and realized right away it was a fraudulent XXXX copy. ( worth 200 $ ) it didn't say anywhere XXXX. i right away replied to the confirmation email i received that i want to return it. but no response. i tried calling but no answer. basically this website is a fraud. and unfortunately i only realized after. so many ppl put bad reviews. i called chase the same day to dispute the charge. i was told not to return it till we hear back from the company. at this point the website is closed and company isn't reachable. chase kept closing the dispute saying that their merchant verified the charge ( duh, obviously ) cuz i purchased it. but they are not helping me out with this claim. i have no where to return it, i don't need it. i purchased a real version on XXXX. these XXXX copies are junk and break on you. ( hearing from ppls experiences ) i asked chase if they have the companies info, they don't. they keep closing the dispute, i am very frustrated and hope you can help me. also on the box is a invoice from XXXX XXXX in XXXX XXXX for {$200.00}. so basically they stole my money and sent a XXXX item i cudve purchased myself on XXXX XXXX. there is no info on the " XXXX company called XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received a bill from XXXX XXXX XXXX ( XXXX ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my PayPal account. I called PayPal, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to disregard it. I have already filed a claim with the XXXX as well. There are hundreds of fraud/ phishing complaints about XXXX XXXX the internet, and I am curious if they are true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: TN

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: IL

Complaint narrative:
AllianceOne is a collection company that works with XXXX  Department of Revenue. At the end of XXXX, I received notification from XXXX  Dept of Revenue about tax that they claimed I owe on my XXXX taxes. They based this claim on my federal XXXX tax transcripts. After multiple phone calls and more than six months of trying to get an explanation about this discrepancy, it was pointed out to me by an IRS Taxpayer Advocate that it was the result of an error I made carrying numbers over from Schedule E to Schedule 1 and the 1040 in my XXXX tax forms. The IRS reformatted their tax forms in XXXX, and I accidentally carried over the total to the wrong line on the new 1040. I also missed the correct line on the new Schedule1 altogether. This created a discrepancy in my income, but didnt create any additional tax owed to the IRS XXXX so they never notified me or attempted to resolve it. The XXXX  Department of Revenue, however, desperately clinging to the possibility of collecting an extra {$500.00} from me, have sent me to collections. I have submitted to them my corrected and signed federal XXXX 1040X forms, along with a renewed IL XXXX tax formwhich stayed the same since the error was only on the federal forms. I also included a letter explaining where the discrepancy was and how it resulted from an error in carrying over income to the wrong line on the newly formatted tax forms. I also wrote a letter to AllianceOnewithin 30 days of them initially contacting meexplaining that this collection account was the result of a simple clerical error on my part. I explained that I had submitted all the corrected and signed forms to both the IRS and the XXXX  Department of Rev. I also explained that I was advised by the Taxpayer Advocate at the IRS to expect that it would take anywhere from 8 months to a year-and-a-half to have the transcripts updated. Since I submitted my original taxes in hardcopy paper form, I had to submit the correction in hardcopy form as well. As the Taxpayer advocate explained it, IRS had trucks upon trucks full off taxes waiting to be processed. AllianceOneas well as XXXX  Dept of Revenueare well aware of this delay and my inability to do anything about it. Yet I get harassing phone calls starting at XXXX from AllianceOne demanding payment. I have explained to them on multiple occasionsaside from the written letterthat this is an error and all the documents have been submitted to both the XXXX  Dept of Rev and the IRS. I am waiting for the documents to be updated by the IRS. I am certain they have documentation of this by this point. Their actions point to nothing more than harassment and intimidation in an attempt to collect debt that doesnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 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: NY

Complaint narrative:
To Whom It May Concern, Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible!

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 2021-12-07 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: MI

Complaint narrative:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 non-monetary relief
Consumer complaint received 2021-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed the a dispute XXXX XXXX for not getting services as advertised and / or not satisfied with services received at the XXXX that had a charge on my Bank of America Visa for {$1200.00}. It was supposed to completed in 60 days. I received a notice via email their was an alert via my email the beginning of XXXX. I could not access it via their App and I had signed up for any important dispute mail to be snail mailed. I received this notice to complete a detailed letter in my mail on XXXX and BofA wanted the info back XX/XX/12 and veterans days was going to interfere with the mail along with the Covid delays. My husband called on XX/XX/12 and was told the info was uploaded, but had not been attached to my complaint. I trusted all was taken care of until I received an email alert a few days later. By then I signed up to receive complaint information online and I figured out their App doesn't have it, but only their web. I saw my complaint had been denied and they denied ever receiving my info by mail. I was told if it was ever received the claim would be restarted so I faxed it three different times, plus they had it mailed. I'm not sure which fax they finally acknowledged or if it was the the mail, but it was faxed once by a local BofA in XXXX and twice by different efax apps. I received two letters that my claim was denied as I had not sent the " cancelation agreement. '' I called about a week ago and said a cancelation agreement has nothing to do with my claim, I gave detailed info that is being ignored. The customer service agent said my claim had been misfiled and she was refiling it under the proper claim as I had actually received services. I said if they could receive pics, I would send them, and I would appreciate my claim taken seriously. Obviously they have only played games with it as barely a week went by when I received another denial based on them not having a cancelation agreement which is irrelevant.

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