vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: GA

Complaint narrative:
Experian has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and Experian has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6  times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high 700 and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because Experian didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from Experian and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.

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 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened an account online and then I went in to the XXXX XXXX, OH location where I deposited some money into the new account. They ordered me a card and took my cash deposit. This was on Saturday XX/XX/XXXX. I was led to believe I had an atm debit card coming so I ordered checks for the account and made arrangements for my  paycheck to be direct deposited. Now I find out on XX/XX/XXXX that they have closed my account, kept the money I deposited on Saturday and also are keeping my direct deposit from my employer that was direct deposited on XX/XX/XXXX and will not give me an explanation as to why my account was closed or give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XXXX I was notified by XXXX  that negative information was added to my profile. When I checked I notice this was a company that I had requested validation of this debt months ago and never received the documentation to prove this is my debt. By law I am requesting this information is immediately removed from my credit profile until proof of validation is rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
There are 2 purchases I made with my Discover card that I have tried  at XXXX to dispute with the company and I will not be paying off this amount on my card. 

The Ist charge was made with XXXX. XX/XX/2019, I made a charge with XXXX for a stay in XXXX XXXX for an event I was having. I had never been to XXXX and therefore relied on XXXX 's expertise by providing the address of location of the event and trusting they were providing the location of the event closest to the event center. After the payment and within 5 days of submitting our location to the event center, we were notified that the location was not with 3 miles that  XXXX had claimed but it was 40 minutes and since most events were going to be leaving at XXXX in the morning, it would be impossible for us to attend those events as this was not even in the city so no taxes exist but in the countryside. We contacted XXXX and they refused to issue a refund saying ee only had 24 hours. Never minding they were the ones that deceived us letting us know the location was a few minutes from our location and not the 40 minutes. It wasn't even in the  same village!. We contacted XXXX but they refused to reverse the charg

e. The cost of this unused reservation was {$940.00}. The other charge was for XXXX XXXX. This company was a company in disarry. All charges were made timely and promptly. When they failed to deliver a dumpster   costing us in over {$800.00} in labor costs, which we then required them to pay. They refused. instead they terminated the dumpster they were supposed to bring in then submitted a fake overweight charge of over {$420.00}, which was more than the cost to even hire one dumpster to begin with. We then  filed a dispute with XXXX. 

Both disputes failed even when common sense should have prevailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I am in the XXXX XXXX. As part of my contract, the XXXX directly submits a payment to Fedloan servicing every year for six years. To  initiate the process, I need to log into an XXXX website using my military ID ( CAC card ), enter a PIN and digitally sign my document. I then send this documentation to Fedloan Servicing. 

I have had my digital signed document rejected twice this year, the second time after a call to customer service explaining how my document was digitally signed which required my military ID card ( CAC ) and an eight digit pin. This is more secure than a pen and ink signature. I also explained to them that electronic signatures are valid under the United States Code. The customer service rep told me that their policies require a wet signature. I requested that the customer service rep send me the policy, CFR or USC statute that they are relying on that excludes them
from accepting electronic signatures despite the law. I have not received a response. Fixing this issue would save services members countless hours as I just spent one hour accessing a CAC enabled website from my personal computer just so I could print out this document on my home printer, sign it, scan it and upload it. I can not send this document from my military email, computer because it contains my own PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: GA

Complaint narrative:
I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I sent to XXXX XXXX a letter to validate that the debt belongs to me. They sent to me a letter that they already did a verification of the debt however I am asking them to provide proof that I was the one that signed the contract for lease that they have provided. They responded on XX/XX/XXXX that they are not going to do a validation. With that being said they refuse to send the proper documentation to show that this debt belongs to me. They do not have a copy of my ID or any documentation that I was the one that signed the contract that was sent to me. I am disputing that the signature does not belong to me and all I am asking them is to provide to me that the debit can be verified that is was me the one that signed the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
Fraud in International Transfer of Money From USA to XXXX XXXX Company Transferring Money -- -XOOM/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  CA XXXX XXXX -- - XXXX or XXXX Sender -- XXXX XXXX XXXX XXXX XXXX IL XXXX Phone XXXX Receiver -- XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  Account in XXXX XXXX -- 1 ) I ( XXXX XXXX ) sent using XOOM to transfer $ XXXX/ from own XXXX XXXX XXXX IL XXXX account to My Wife XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account an agreed XXXX Rupees XXXX/- within 2 business days. 
2 ) Transaction ID -- XXXX XXXX XX/XX/2020. 
3 ) Since then I contacted XOOM USA several times and XXXX XXXX   In XXXX but have not received XXXX Rupees in XXXX account till XXXX XX/XX/2020. 
4 ) XOOM has been delaying reply and buying time giving excuses and hiding behind XXXX XXXX inefficiencies. I am seeking your attention and help to recover full money from XOOM and deposit money as per agreement signed ASAP. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: AL

Complaint narrative:
On XX/XX/2020, I purchased a XXXX XXXX XXXX from XXXX 's, Store # XXXX, XXXX XXXX XXXX, XXXX, AL XXXX. I paid {$58000.00} using my Chase Prime Visa credit card, for the oven and installation in my house. The installer ( an independent contractor ) was to deliver the oven to my home at the time he installed it. This was XXXX 's project XXXX. XXXX. 
Several weeks later, a woman named " XXXX '' called to tell me my oven had arrived at the store and I should get a call from an installer soon. 
I did not receive a call from an installer and the oven was never delivered. However, XXXX 's charged my credit card for {$540.00} on XX/XX/2020. 
The oven was never delivered to my house. XXXX can not possibly have proof of delivery because I never signed a delivery receipt. 
In late XXXX, I created a dispute with Chase Prime Visa credit  card and was given credit for amount of {$540.00}. 
Then on a posted date ( not the actual date ) Chase Prime REBILLED my account for {$540.00}. When I called Chase to discuss the situation, they REFUSED to discuss it with me.

IN SUMMARY, I have been forced to pay for an oven that was NEVER DELIVERED. 
XXXX 'S DOES NOT HAVE PROOF OF DELIVERY. 
CHASE PRIME REFUSES TO GIVE ME A REASON WHY I WAS REBILLED.

These actions may constitute Conspiracy to Commit Fraud. I will file a complaint with the Alabama Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve

r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an
d XXXX XXXX then updated the account to Charge Off. They refuse to remove 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 2020-10-12 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: GA

Complaint narrative:
I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.

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 2020-10-12 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: GA

Complaint narrative:
I have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the credit bureaus.

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 2020-10-12 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: NJ

Complaint narrative:
Experian, XXXX, and XXXX  are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.

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 2020-10-12 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: CO

Complaint narrative:
Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am trying to cancel our PMI earlier than was scheduled. We paid extra on the loan as was required to bring it below the 80 percent threshold, but then first we couldn't get through on the number to figure what to do next ( and there was no information about this clearly stated on the Bank of America website ). We finally got through to someone once I filed a XXXX  complaint and complained on social media and that told me the PMI would be cancelled, but later someone else called and said I had to get an appraisal done. They sent out a letter about the appraisal costs, and I sent back a check for the appraisal along with a request that one be done. I thought the PMI would finally be cancelled, but I just got a notice from the company via their online system that the check was being remitted because our contact information was incorrect or they couldn't get ahold of us. This is clearly not true. We've been with BofA for years and all our information is clearly listed with them. We have regularly paid our mortgage and we do not have any other liens. They are making it impossible to cancel my PMI even though we've met the requirement necessary. It has now been almost 3 months since we paid off the XXXX percent.

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 monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mother died on XX/XX/XXXX. Her Chase bank account listed my brother, sister and I as beneficiaries. On XX/XX/XXXX, I wrote to ask them to distribute it. They replied to my email and on XX/XX/XXXX, I mailed the death certificate as requested. When I followed up by email on XX/XX/XXXX, I was then told they needed notarized requests from each of us. I sent mine by certified mail on XX/XX/XXXX, it was received by the bank on XXXX. My brother and sister were paid on XX/XX/XXXX. I followed up again on XXXX and was told they had not received my letter. I immediately sent them proofs of receipt and a copy of my letter, and have received no response. 

XXXX months have passed. Numerous phone calls were never returned. Chase has never responded with confirmations of submitted material or instructions on next steps, repeatedly waiting for me to follow-up. In addition, about a week after my mom 's death, they placed a huge debit against the account, effectively closing it to any payments while NEVER alerting us as to why this step was taken ( I discovered this is their policy when checking other customer reports online ). It was quite upsetting at the time. I believe the bank simply does not care about consumers who don't have large accounts. We were never given an overview of the bank 's policies or what was needed. In addition, it appears that at every step, low-level clerks are handling the matter. They take minimal steps or simply set it aside. 

I had a XXXX XXXX XXXX  on this account for several years as my mother was in ill health. Chase has my signature on file and my address is the same as my mother 's. There is no reason why this account shouldn't have been distributed months ago.

Company response to consumer: Closed with explanation