vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was looking for a small loan to pay bills and have enough money until payday. Put a request online and then many companies were reaching out to me to see if I qualified. I was denied 3 or 4 times. Then this company XXXX XXXX said they would work with me and put money in my account and would have to pay them back within a day to raise my credit so they could provide me the loan of XXXX XXXX I saw they put XXXX $ in my account and said I needed to go to XXXX to purchase a gift card to pay the amount to them to improve my credit on XXXX XXXX, 2019 plus an additional XXXX $ to me. Then on XX/XX/XXXX they put another XXXX $ into my account and followed the same procedure going to XXXX XXXX buying gift cards. Then Another XXXX $ back in my account. Then I got an email from my apartment complex stating I needed to pay rent, which I had already paid and had a confirmation email that it was paid. So I sent back an email with the confirmation receipt and said it was taking back. Then I started looking into my account and saw that they were not putting money in my account they made claims on behalf of me to my bank putting money back in my account from me then paying them with money I didn't have. Then I went into Chase to try and get this resolved. I don't know how someone else can put claims in as behalf of me and I never got a phone call. These claims were made on bills that I have paid for over 6 months like rent, car payment, car insurance. The guy I talked to was named XXXX XXXX and his contact number is XXXX. His managers number is XXXX. I was obviously scammed and feel stupid looking back at the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: NJ

Complaint narrative:
Several complaints I made for : Factual Data Corp. To remove the unauthorized inquiry from all three credit bureaus and to provide any documentation on this CFPB platform that display me consenting to a credit inquiry .... Factual Data Corp has fail to provide this documentation on all complaints. 
File # XXXX File # XXXX Factual Date Corp keeps insisting a letter was sent to me via mail ... that I never received. I am asking for those documents to be presented for review on this CFPB platform. 

Please upload files : Or delete inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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:
XXXX XXXX is reporting data thats not mine.

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 2019-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Unisa, Inc

Complaint narrative:
XXXX College of XXXX was paid directly since graduation for a Perkins Loan. The parent company kept reporting late pays on my credit report because of their slow processing. The loan had never been sent a late payment as every payment has been made on the XXXX of each month via Bill Pay from my bank. The loan is now being paid directly to the Lean Holder, UNISAINC. I have spoken to XXXX College in the past, and nothing has been resolved. I am, unfortunately, at the point of retaining legal counsel to deal with this loan. It is not my wish, but I am now forced to seek such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting data thats not mine.

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 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting data thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Freedom Unlimited credit card in XXXX. The bonus offer was XXXX cash rewards after spending XXXX dollars in the first 3 months. I reached the requirement in less than 2 months. I didn't see the bonus offer appear in my account so I contacted the Chase customer service team. I files a claim and waited two weeks without a response. Finally I called again and was told there is nothing they can do about the situation. The only reason I signed up for the credit card was to receive the bonus offer and I could have saved those XXXX dollars I spent in order to receive the bonus offer. 
All in all I was cheated out of XXXX bonus and the credit card is now ruining my credit score by closing my account. I would rather not do business with a shady credit card company but they are still putting a closed account on my credit report which is really affecting me negatively. the customer service also admitted that they have many offers on many different websites so they don't know which bonus offer is even true. They admitted to falsely promoting a credit card bonus and I have a recording of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: NV

Complaint narrative:
There are a couple of accounts that dont belong to me.

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 2019-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: RI

Complaint narrative:
Constant getting called while I work Monday -Friday early morning I am in the process of building my credit but I do not know where to start. Left school for a little bit the loan went into default I went back to school to finish. And recently graduated not even a month after I get crazy calls. It really getting annoyed with this.i would like to figure out a way to pay it but Im still in my grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: NV

Complaint narrative:
There are a couple of accounts that dont belong to me.

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 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are a couple of accounts that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was out of work at the time because of XXXX XXXX. I was even homeless at the time me and my family. I told the company bout everything that was going on with me. So i try to talk to them bout what was going on with the vehicle. The XXXX converter was mess up and the vehicle had no heat. It was winter and we was in a snow storm with my family in a frozen vehicle move from hotel to hotel. They told me its nothing can do bout it i had to take it up with the car dealership but they was scam artist because they lost the company because of all of the complaints that was sent to them from other people. So i had no other choice but to give up the vehicle because i couldn't pay no more on it. So i choice to let it go because i had to provide for my family to get a home over our head. I really do thank them for help me get a vehicle and im sorry for let it go but my family come first before a vehicle. I just want it to be remove from credit. I understand it was a loan but people do go through hard times and i did go through hard times but XXXX help me to get back on my feet and back to work. I just want to start over with everything. I have even i report them to better business Bureau about the vehicle. If i can get a one time payment offer that isnt to high for me to get off and them off my back.

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 2019-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In the past three months i have disputed information on my equifax report. A fraudulent account was opened through XXXX and money was taken out of my personal bank account. After disputing through my financial institution and XXXX both agreed the account wasn't mine and blocked access/removed fraudulent information from my credit report. Equifax is the only company that disagrees and will not remove the information that is damaging my credit score. 
I have never had an account with XXXX or XXXX XXXX. When i disputed the account with XXXX   they could not find an account with my name or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I am disputing a deceptive finance charge associated with my XXXX XXXX credit card. Comenity Bank claims the due date for the final payment was three weeks earlier than the other 11 months of payments because it was based on the purchase date. This is in direct contradiction to what I was told by the sales associate at the time of purchase. The sales associate stated that my payments would be due at the end of each month. Despite paying all of my payments by the due date of the XXXX of each month I was assessed a finance charge for all 12 months of interest exceeding {$600.00}. I have tried to resolve the dispute with the bank but the customer service representative told me I would have to dispute the charge with the credit bureau in order to get the bank to respond. The banks practice is unfair and deceptive and therefore I am disputing the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/19 I called Transunion to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on Transunion. 

I then called XXXX XXXX to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

XXXX ). XXXX XXXX XXXX The amount reporting is {$3600.00} The accurate amount is {$3600.00} XXXX ). XXXXXXXX XXXX XXXX XXXX The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that Transunion return my score to its exceptional credit rating and rectify theses errors.

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 2019-10-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: IL

Complaint narrative:
I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
Portofolio Recovery submitted a collection report to my credit history for an account that was a result of identity theft. The original creditor was XXXX XXXX and I didnt have any knowledge of this account. I tried contacting XXXX XXXX regarding this but they dont seem to care. I would like this collection to stop all type of communication with me and also to remove the account from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
I have received a debt collection letter for something i never had. The state that the services done is not a state i have ever been to. the state the services being billed for is a state outside of my current state and is false. I apparently received medical care at an emergency department which i never have been to. I receive all my care at one location which is the a gov hospital. The bill sent to me for a collection amount of XXXX for services done is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.

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 2019-10-13 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX/XXXX/19 I called XXXX to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on XXXX. 

I then called synchrony bank to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

1 ). XXXX XXXX ACCOUNT The amount reporting is {$3600.00} The accurate amount is {$3600.00} 2 ). Synchrony Bank / Care-Credit The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that XXXX return my score to its exceptional credit rating and rectify theses errors.

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 2019-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was informed that the rewards certificate i used to purchase an item could only be used once. although the rewards used to purchase that item was returned without a problem.

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 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
In XXXX a man arrived at a residence that I do not reside at and informed the person there that he will serve me or tape the summons to the door. I then received another letter from the Supreme Court in the mail last week and a copy of the lawsuit from the lawyer of the company. This company is not on my credit report, I have never heard of this company or this debt. I attempted to call the lawyer to discuss this and was told I had to pay the full amount right then to stop legal action or pay half and then the other half in two weeks. They are threatening to garnish my wages and have not responded to any questions on verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: NJ

Complaint narrative:
On XX/XX/19 I contacted Equifax to address some inaccuracies reporting and they were not about to provide any information to the account in question : XXXX XXXX / XXXX XXXX. 

So I called XXXX XXXX to get information and they specifically stated the amount I provided to them that I notice on my Equifax credit is incorrect. 
{$1400.00}. 


They stated the amount that should be reporting is : {$990.00} Equifax has not rectified this error and I would like to request this is repaired and return back my credit point for a high increase in utilization that I didnt have which has impacted my exceptional credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I keep receiving calls from first credit in NJ say I owe XXXX dollars they are collecting from XXXX XXXX. XXXX is bankrupt and I have no way to get a hold of them. I should never owe them a dime and my insurance company say they never billed them on the date that first credit is reporting I used their service. What do I do? Am I being scammed? This is not right. They basically said too bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was recently transferred ( XXXX/2019 ) to PHH which is now attempting to place me in foreclosure. Not only is the loan amount incorrect they are claiming {$50.00} in collected interest which is incorrect by approximately {$15000.00}. in addition my loan balance is incorrect by nearly {$55000.00}. I have end of year statements from OCWEN ( the original lender ) which PHH has completely ignored. I have attempted to contact PHH for statements concerning my loans and after more than a dozen phone calls and requests I was finally faxed a W-2. The W-2 is incorrect not only in the amount owed, but in the interest paid. I am in the process of a short sale and PHH has not provided any documentation at this point. I have spoken to countless agents all of which have provided differing loan amounts and payment requirements. I am XXXX years old and a real estate agent and have never seen such blatant fraud and incompetence. I am fearful that their inability to even provide an accurate statement could cost me my home.

Company response to consumer: Closed with explanation