vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX Private Label around the year XXXX. I never gave my information neither to XXXX Private Label nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time XXXX XXXX XXXX is the company that is contacting me with the purpose of collecting the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent activity in my bank Chase account using XXXX debit transaction under the name of XXXX XXXX XXXX XXXX Someone has my account information and money on my checking account and withdraw the amount of {$15000.00}!! Which JP Morgan Chase didnt bother to call or email me or to verified such a very large amount! I didnt not approve this or ever heard of this company! This was on XX/XX/2021 and I didnt get a call or an email regarding the large transaction. I only received an email only when I was overdraft XXXX after they tried doing a second fraudulent transaction, this is crazy i never experienced this in my life and its very unprofessional and unreliable on chase bank on their behalf. They didnt even bother to call me to verify this information on my behalf. Now because of carelessness and not being protected of being a chase customer I an currently out of money, I cant pay my bill or rent and even buy food! Now i have to wait 10 business days until this is solve under Chase claims department! On Top of that poor customer service! I got the runaround from stating that I have to change my account number as a replacement account ( if i would like to keep everything the same or open new account ) and I would be able to do it on the phone long story short I was transferred with waited 25 minutes and the fraudulent department told me I would have to do this at a chase bank. After this terrible experience I feel uncomfortable, unsafe, and scared to still be a chase customer. I wouldnt trust them with my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: SC

Complaint narrative:
I have tried to contact Fed Loan Servicing, a part of The XXXX XXXX XXXX XXXX  XXXX about my Public Service Loan Forgiveness status. I haven't been able to get in touch with any loan counselor. I have been on telephone hold for over 3 hours. They have counted 88 of my loan payments as ineligible payments. I want an explanation and want to know how i can get these payments considered eligible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Students Come First
State: FL

Complaint narrative:
I received a call from an agent with Students Come First stating that if I made 6 payments of {$180.00}, then another year of {$64.00} payments that {$14000.00} of my loan would be forgiven. I looked up the information and the company seemed legitimate had a website as well as reviews. I noticed that my loans have not gone down with each payment I was making and I reached out to the company with no response. i called and there is no answer. I get sent to a voicemail for XXXX and no response. Until I received an email in XXXX that was titled to Client ID- XXXX, advising me that they are changing the company they use to process my payments to XXXX  XXXX XXXX XXXX I have noticed that sometimes the payment would come out as an XXXX  withdrawal to Students CF, and others as a check made out to XXXX XXXX XXXX. 
I received a letter in the mail from the Department of Education letting me know that my loan service provider has changed to XXXX. I contacted them today and they advised that there is no loan forgiveness on my account and that the Dept. of ED could only offer student loan forgiveness which is usually after 10 years of payments or if I was 100 % from XXXX, I am only 10 %. I realized that I was a victim to a scam. I searched for ways to report the fraud and this was one outlet. My financial institution, said it's buyer beware and I am at a loss of the money that was taken from me and that I could pay stop payment fees or close my account. What do I do? This company has all of my information. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX US DEPT ED? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : EMERGENCY CARE SPECIALISTS B ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: MO

Complaint narrative:
We have been in forbearance 18 months due to Covid. We recovered and had requested a Loan Modification from Guild Mortgage. They sent out the written agreement and we returned it on XX/XX/XXXX. They claimed we did not fill it out correctly and sent another packet on XX/XX/XXXX. We signed that ( notarized as before ) but they their attorney provided a bogus shipping label that even XXXX can not find even though it was shipped through a XXXX carrier. We have contacted Guild dozens of times, but they refuse to resend new paperwork and have stated we will now play a waiting game? Whatever that means. We are concerned that Guild is perpetrating a fraud to undermine our attempts at compliance based on non-participation on our part. XXXX has denied our claim for lost package, so we have copies of the original agreement and are organizing another paperwork submittal we will include copies of the originally sent XX/XX/XXXX that includes the address stickers they affixed to the documents and the notarized signatures on the lost package. We can provide all documentation to the aforementioned and are currently at a stalemate with Guild. Their attorney whom the loan modification paperwork was addressed ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Tx., XXXX XXXX telephone XXXX ) Will not verify if our paperwork was received and claims they can not reply to such questions because we are not their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2016 aXX/XX/XXXXXXXX XXXX account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I re-financed my vehicle on XX/XX/XXXX with another finance company XXXX XXXX XXXX XXXX, original loan was with regional XXXX XXXX of which originally they did not fix the credit hit when I bought the vehicle in XX/XX/XXXX either. I got credit report on XX/XX/XXXX shows regional acceptance reporting late payments and payoff of loan and was docked XXXX points on all 3 credit Bureaus I called regional and spoke with XXXX @ ext XXXX who confirmed the vehicle was paid in full on XX/XX/XXXX and there were no issues or late payments due. Told me I have to take the matter up with XXXX, XXXX, XXXX bureaus because XXXX  XXXX doesnt have a credit department, I asked the question ; well regional reported it so you must have someone. XXXX stated no. So here I am trying to resolve the matter because I am in the middle of purchasing a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Originally started with me receiving a change of address form I did not apply for. Then I received a credit card from Bank of America that I did not apply for. Then received a credit card statement from Bank of America for another card that had approximately {$12000.00} charged on it that I did not apply for. Also have received other notifications that credit cards are not being issued because of lack of identifiable information. Notified Bank of America, local law enforcement, postal service and now consumer finance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was assessed 2 overdraft charges of {$36.00} on XX/XX/XXXX. The day after I was able to get my account from the negative balance. That same day I contacted a rep from PNC to request of one or both of the fees could be removed ( because I was wondering why I would get 2 overdraft fees at the same time ). I told the rep, that it was odd to incur 2 fees for one item that was caused the overdraft. He couldn't remove them to no avail so he sent a notice for a account supervisor to get in touch with me. 

So today ( XX/XX/XXXX ) at approx XXXX am XXXX I was contacted by XXXX. Well she lied as to why both of the fees couldn't be removed, she stated I needed to be in the " low balance alert program '' and I needed to do that on their website. I then told her I was in the " low balance alert program '' and that it was automated to my account. I then explained that person with her title could just credit me the {$36.00} if she couldn't have it removed. I then mentioned she probably had bias against me ( I'm a XXXX XX/XX/XXXX and that's why she came up with such a poorest lie. 

I have our conversation recorded ( starting at XXXX ). I will also upload pics to verify I'm already in the " low balance alert program ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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:
Experian has been reporting a Bankruptcy on my public record that does NOT belong to me. Please verify both Bankruptcy listed on my public records Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 with this Federal Law. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans XXXX XXXX XXXX XXXX XXXX XXXX? XXXX?? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: MI

Complaint narrative:
Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans DPT EDXXXX XXXX US DEPT ED? ??? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Letters were sent on XXXX/XXXX/2021, XXXX/XXXX/2021, XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized Inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized Inquiry 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 2022-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2016 a Bank of America account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is 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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
A XXXX XXXX XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MD

Complaint narrative:
I was victim of identity theft and there are unauthorized hard inquiries on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was victim of identity theft and there are unauthorized hard inquiry on my Experian Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A JPMORGAN CHASE XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honour all request of documentation.

Company response to consumer: Closed with explanation