vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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: AL

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-18 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: UT

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
We filed a previous complaint with Chase Bank. Our issue was not resolved to our satisfaction. In fact, they escalated it to their " executive office ''. Assuming our complaint was responsible for the horrible, rude service we received when they contacted us. We kept asking to speak with a supervisor and were constantly told they were the executive office and it could not be escalated further. When they admitted they had supervisors, we commented we had yet to speak to an XXXX XXXX XXXX XXXX XXXXess the person whose signature was on our letters, which is XXXX XXXX. The last person we spoke with was XXXX XXXX never a full name ), who blatantly told my husband he could not speak to his supervisor. This speaks to a horrible culture where staff are terrified of their management and taught to treat their 30 year customers rudely and with disdain. This entire issue began in XX/XX/2020 and continues today. If you go online, the first screen that pops up is to go paperless. You must be very careful not to ignore this screen because it has paperless as a default, NOT your default preferences. They should not be able to change your preferences, but they do so stealthily. They are trying to trick you into this, then if you miss something, they XXXX your credit. Further, when you go into different account screens just wanting to access your documents, you have to go through this entire charade again. One mistake and your default preferences are altered to their liking. This is absurd, and an abuse of their corporate responsibility to their customers who are the only reason they exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
I recently attempted to refinance my BMW Financial Loan through XXXX themselves, which is an option they offer. They pass you off to another company, XXXX, which has horrible customer service. I did not hear back after several days, so I called XXXX to find out the status. They stated that BMW Financial denied the loan, as I have past due obligations to BMW Financial. They refused to provide any information, and referred me directly to BMW Financial. I do not have any Past Due Obligations to BMW Financial. I called BMW Financial, and they agreed that I do not have any Past Due Obligations, but refused to provide any more information on why my loan was declined, or to speak with someone in the department which handles approvals. I feel that BMW Financial needs to provide ACCURATE and thorough information if they are going to decline a loan, which they did not in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC .

They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, Unfair business practices : I was told the account would be deleted and is still being reported. 
I never got first notice of collection, Breach of contract, Failure to send late payment notice, Failing to register in the California and Massachusetts secretary of state. 

Account number 1 : Opened date : XXXX XXXX, XXXX Balance : {$0.00} Highest Balance : {$94.00} Type : Collection Account Account number 2 : Opened date XXXX. XXXX, XXXX Balance : {$0.00} Highest Balance : {$110.00} Type : Collection Account My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
My story has not changed take a look at ALL my complaints starting with the first complaint to SN Servicing Company on XXXX, XXXX, XXXX SN Servicing Company should send an electronic copy of the requested pay-off letter through the CFPB web site that lists all fees and all mortgages along with the current mortgage information and balance required by law. The impact of COVID will result in all very large number of requests for information prior to refinancing and FORECLOSURE and it is very important that request for a simple pay-off statement are not handled like this on and take months to obtain. I requested my information on XX/XX/XXXX and still have not received the information. People with FORECLOSURE proceedings would be faced with paying an inflated lump sum pay-off or lose their homes. This must come to an end the public should never ever be subjected to this type of treatment. This is not mental problems please look at the attachments along with the long list of complaints that I have filed trying to confirm if the mortgage was processed or voided or paid off. XXXX title has not replied to my complaint to identify the property with the legal description of the location of the insured property. All I have requested is a copy of the insured location and have been bombarded with a 40 page response and NO TITLE POLICY FOR THE INSURED LOCATION. I financed my original purchase with a XXXX XXXX XXXX XXXX MORTGAGE  and NOT WITH A DEED OF TRUST or anything else. I don't want to be writing back and explaining that I told you so. I would like much attention drawn to this type of matter now before many families are consumed and subjected to foreclosure or paying an inflated pay-off without ant break down. THE LAW IS THAT ALL MORTGAGES AND FEES ALONG WITH THE CURRENT MORTGAGE BALANCE MUST BE ON THE PAY-OFF STATEMENT. The COVID problem will result in a feeding frenzy and major problems for honest hard working people who have been subjected to illegal communications tampering with email interception and impersonation along with phone tampering with caller ID spoofing call interception and voice impersonation. How can you communicate with your employer and how would communicate with an attorney. The answer is to do everything in person like I have all you will lose everything and get thrown on the street and labeled a mental patient. SN Servicing company should simply submit an electronic copy of the pay-off statement as required by law through the CFPB website. Is that too much to ask for? We all need to learn how to look out for one another and the first step is making sure that the next person is not subjected to the wrath of problems getting something they are entitled to receive by law. Please take a look at the history of my cases and see for yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: KY

Complaint narrative:
There is an inquiry from XXXX XXXX reporting on my report that does not belong to me. XXXX XXXX  has agreed to delete the inquiry from all bureaus but it is still showing on my Equifax report. 

This is the statement from XXXX XXXX  ( XXXX  ) We have reviewed your complaint and found an application was submitted on XXXX XXXX, 2020, using information that verified to you. We have accepted the application as Fraudulent. '' We have asked the credit reporting agencies to delete the credit inquiry from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME AND SHALL BE DELETED IMMEDTIAELY! ALONG WITH ANY INQUIRES WHICH MAY HAVE OCCURRED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
I have been contacted by Linebarger Goggan Blair & Sampson, LLP acting as a 'debt collector '. The actions of Linebarger Goggan Blair & Sampson, LLP as a 'debt collector ' include the use of coercion and harassment to procure unlawful and illegal payments for an 'alleged debt ' and violate 15 USC 1692 and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. XXXX ( see attached ).. I do not know, nor do I have any contract with the entity Linebarger Goggan Blair & Sampson, LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently received a bill from the below listed Credit collection agency. 
When I inquired who the retailer was, they failed to give me relative information pertaining to address, phone numbers, or a copy of the initial purchase request. 
Although they supplied the name of the company and their own account number, they failed to supply a purchase order, address of same, nor a phone number. 
The collection agency is as follows : XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Department of Consumer Affairs License # XXXX and XXXX ) In substance, it states that I have a delinquent account, submitted to them from the following retailer : XXXX XXXX XXXX ( Account No. XXXX ) ( I.C. systems ref # XXXX ) ( UNKNOWN FORWARDING ADDRESS OR PHONE. ) I am a XXXX, and I am currently on Social Security XXXX and receive a XXXX pension from my ex-employer. Occasionally, XXXX  supply companies call me to pitch XXXX supplies. My understanding, according to their statements, that all fees would be covered by XXXX, at no cost to me. They never told me that their would be a fee for this service, and I don't recall signing an agreements for said products. The collection service also stated that they will attempt to mail me a retailer 's copy of an invoice, and that I shouldn't, worry because I still had thirty ( 30 ) days to respond, to their notice. I felt that I should submit this report in any event. In the event they state contacting me via phone line, then they should be investigate for calling a registered DO NOT CALL PHONE. 

There are three addresses in my county that are the same, and the only thing that distinguishes one from the other is North, East, West, and South. My family and I live at XXXX XXXX XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX XXXX. 

Thank you for your time and attention to this matter. 
XXXX 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 explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, XXXX, and Equifax credit files, I received form letter responses and no action was taken. 

I then contacted XXXX XXXX, and Equifax regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, Experian, and XXXX  credit files, I received form letter responses and no action was taken. 

I then contacted XXXX, Experian, and XXXX  regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.

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 2021-01-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XX/XX/XXXX, American Express executive offices was contacted regarding overpayment on my account. The account holder informed the executive office representative that during the time frame of XX/XX/XXXX through XX/XX/XXXX, an overpayment to American Express was made totaling {$16000.00}. The cardholder attempted to resolve this issue on numerous occasions with American Express customer service, but to date nothing has been resolved, despite ( 2 ) investigations by American Express. A demand letter was sent to American Express on my behalf to their legal department referencing my rights under CA Civil Code law. There was no response directly from the legal department. In fact, the demand letter was sent back to customer service/ executive offices - the same office that did not resolve the issue in the first place. American Express first stated that if I was refunded it would adversely affect the " primary '' account holder. I was told to call the 800 number on the back of the card for my refund. I called the 800 number and was taken back to square one. This of course did not resolve matters. 
Additionally, my response following my demand letter stated that the " primary '' cardholder is response for reconciling the account and not American Express. I was called a second time after the first response to the demand letter and told to contact my bank and ask for a recall of funds. This did not make sense to me. At this point, I am reaching out to the Consumer Financial Protection Bureau for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2020, I sold my car, leased through Ally Financial XXXX, to a car dealership in XXXX, FL. Ally was paid the {$21000.00} they quoted the car dealership ( XXXX XXXX XXXX ) for the buyout of the car per their own online records on XX/XX/2020. This should have terminated our legal relationship. HOWEVER, as of today Ally 's website claims I still owe {$3000.00}. I have called Ally on multiple occasions asking why this is and was told they were just still processing the paperwork. Today I received an email saying my bill from Ally was past due! I HAVE NO BILLS WITH ALLY!! I called and they said they still haven't received some piece of paperwork from the car dealership. THIS IS NOT MY PROBLEM! They received their {$21000.00}! Our legal relationship is severed. They have also, apparently tacked on an illegal late fee. They already received the full amount money for the car. If they report my account as overdue to credit agencies I also reserve the right to sue them for damaging my credit.

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 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax have not been responding to any of my disputes! I have been disputing items on my credit report and NON of them have responded to me. I have been patient because I understand that COVID has caused some delays but it is getting ridiculous. Under the law they still have to notify me and respond within 30 days!! There are erroneous items on my credit report that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation