vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: MN

Complaint narrative:
This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: WI

Complaint narrative:
I lost my credit card ( a Chase Sapphire Reserve ) between the late night of XX/XX/2020 to the early morning of XX/XX/2020. I made one purchase during that time at XXXX XXXX XXXX with the amount of {$19.00}. I called Chase as soon as I found out my card was lost, which is on XX/XX/2020, and also realized that a fraud charge of {$43.00} at XXXX XXXX XXXX XXXX was posted to my account on XX/XX/2020. So, I informed Chase that it was unauthorized and they helped me to take that off my statement. 
However, I received a letter in early XXXX that I am responsible for the transaction. According to the single sheet letter that Chase sent me, " I received benefit from this transaction ''. There are no proofs that I was using the card for that transaction and they do not even bother to ask the store for a signed copy of the receipt or things like security surveillance that can prove who was using the card. I have disputed other transactions before, but other agents took it seriously and sent me stuffs like signed receipts to back up the claim. 
I called Chase again on XX/XX/2020, a nice lady picked up the phone and said will pass my concern to the fraud department and let them re-investigate. However, two weeks passed and no responses were heard. 
I am so disappointed how Chase is treating one of their loyal customers and taking money from the good guys instead of the frauds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit report on both XXXX  and Equifax i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, XXXX XXXX. 
Date : XX/XX/2019 Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Several times in XXXX, XXXX, and XXXX, PNC has repeatedly changed the way they interface with XXXX, a third party that allows for ACH and money transfers. This has severely hampered me from moving or accessing money I have needed to pay bills or rent in a timely fashion. I have reached out to PNC regarding this, as well as XXXX  ( the third party used by XXXX, XXXX, XXXX XXXX  app, etc ). XXXX  is basically cut off by PNC and can not help me, and PNCs customer support is unwilling or unable to help me due to sudden changes they make on their end of their data algorithms, therefore making it unable to use third party banking services to transfer funds when I need them. Outages have gone on for months at a time sometimes. With this Covid situation here in the United States, it is imperative that I am able to transfer funds remotely, and PNC has effectively cut me off completely from being able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my credit report on both Experian and XXXX  i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Collection Details : Company : XXXX, XXXX XXXX. Date : XX/XX/2019 Amount : 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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a claim with chase about a transaction that occurred in my account due me being a vicitim of a fraud employer who got me to purchase gift cards at XXXX  {$600.00} after he made a false deposit in my credit account and the payment was later returned a week later and he did not return my calls or reimburse me for the {$600.00} purchase and I signed a work contract that he would pay me and did not so I made a claim with the bank that they purchase he made me do was for his benefit and scammed me. I did not get my claim approved and the funds have been removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: IL

Complaint narrative:
So Ive noticed that my credit file have incorrect information on it. I have contracted Experian over 8 times they declined to remover the last two. After removing none the first 6 times. I would like for you to assist me on removing this its hurting me. It was 6 bankruptcies reported to a social security number that does even match what they have on file for me. The public records that they got from XXXX Isnt even my information that Experian place on my file the last 4 digits of the social is wrong. I have notified them of this they still havent removed it. And I have wrote them multiple time they have yet to remove all of them. I just want you to help me with the whole removal process. I have wrote them letters and contact then via email and app.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am trying to send money from my XXXX  to link to my PNC and it won't let me link successfully. I would like to transfer at least {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
COMPLIANT IS NOT A DUPLICATE PLEASE REFER TO PREVIOUS COMPLIANT WRITTEN ON XX/XX/20 MARKED AS DUPLICATE. 

GUILTY OF NOT FOLLOWING SECTIONS 609 AND 611 AS DOCUMENTED OVER 43 TIMES. 

HAS COMMITTED PERJURY FRAUD AND NEGLIGENCE. 

HAS REFUSED SERVICE. 

HAS CONTINUED REPORTING FALSELY ON ALLEGED ALLEGATIONS FOR UNVERIFIED ACCOUNT AND CONTINUED WRITING DEFAMATORY STATEMENTS BUT NOT LIMITED TO HAS COMMITTED TAX FRAUD REMOVE ANY AND ALL INACCURACIES BUT NOT LIMITED TO IMMEDIATELY AS YOU ARE MONTHS PAST THE DEADLINE TO DO SO. 


THIS COMPANY RECEIVED 45 PAGES TO VERIFY AND RESPOND TO WHICH THEY REFUSED TO DO. 

THIS COMPANY HAS GIVEN MERE STATEMENTS OF BELIEF AND NOT FACT. 

THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW.

THIS COMPANY REFUSES TO FOLLOW SECTIONS 609 and 611 AS DOCUMENTED AND CONFIRMED AS RECEIVED OVER 45 TIMES THIS COMPANY CONTINUE HARASSING CALLS AND HAS FAILED TO FOLLOW CEASE AND DESIST THIS COMPANY HAS COMMITTED PERJURY UNDER OATH THIS COMPANY HAS COMMITTED BUT NOT LIMITED TO FRAUD NEGLIGENCE SLANDER WITH DEFAMATORY STATEMENTS THIS COMPANY HAS NEVER PROVIDED ANY LEGALLY COMPLIANT VERIFICATION AS REQUIRED AND STATED BY WAY OF 45 CERTIFIED CONFIRMED AS RECEIVED LETTERS. 

THIS COMPANY FILED A FRIVOLOUS LAWSUIT OVER ALLEGATIONS NEVER HAVING SPOKEN TO THE ALLEGED CONSUMER THIS COMPANY SPOKE WITH PERSONS OTHER THAN THE ALLEGED CONSUMER. 

THIS COMPANY CONTINUE THREATENING LEGAL COURSES OF ACTION OVER NON VERIFICATION. 

THIS COMPANY HAS FALSELY MISREPRESENTED THEMSELVES AND SHOULD NOT BE ALLOWED TO PRACTICE LAW FOR WILLFUL AND PURPOSED NEGLIGENCE USING ILLEGAL TACTICS AND NOT FOLLOWING THEIR ETHICAL DUTIES OF THE PROFESSION OF LAW AS IN THE CANDOR TO THE TRIBUNAL AND THE BUSINESS PROFESSIONNEL OATH TAKEN TO PRACTICE. THEY ARE GUILTY OF MALPRACTICE FOR ALL REASONS STATED BUT NOT LIMITED TO. 

AGAIN THEY REFUSED SERVICE FROM ALLEGED CONSUMER AS DOCUMENTED KNOWING THEY WERE IN THE WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
After reviewing my credit report on XXXX, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : American Honda Finance Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I received an YET ANOTHER alert today on my XXXX  account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXXI called that # several times and the the manager by the name of XXXX had the audacity to lie to me and say they are ALLOWED TO CHANGED the date of the collection and it doesn't change anything. It is ILLEGAL to report a old debt as new UNDER ANY CIRCUMSTANCES. It clearly says opened XX/XX/XXXX. This debt would have been removed yet again due to 7 year mark alone! I have complained SEVERAL TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NCB Management Services Inc.
State: TX

Complaint narrative:
Agency agreed to a pay for deletion on this account. Account has been paid in full as agreed between myself and agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TN

Complaint narrative:
NEVER FILE FOR THIS ACCOUNT

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 2020-04-27 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: NY

Complaint narrative:
After reviewing my credit report on Equifax, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NY

Complaint narrative:
After reviewing my credit report on XXXX, Experian and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019

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 2020-04-27 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: NY

Complaint narrative:
After reviewing my credit report on XXXX XXXX  and TransUnion, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019

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 2020-04-27 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: TN

Complaint narrative:
NEVER FILE FOR THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TN

Complaint narrative:
NEVER FILE FOR THIS ACCOUNT

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 2020-04-27 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: OH

Complaint narrative:
I had a issue with someone using my personal information I have several inquires that I never made from the following companies please delete the following INQUIRES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I do not have any loans or services with any of them. Errors please delete.

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I Contacted XXXX and tell them that this was not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

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