vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I had hail damage from a storm on XX/XX/XXXX. My roof was repaired XX/XX/XXXX. The required paperwork was signed off on by a Chase banker as satisfied and payment was made. I received a notification from my homeowners insurance company on XX/XX/XXXX that since Chase hasn't paid my homeowners insurance premium, I no longer have coverage effective XX/XX/XXXX. If payment is received within 10 days, I will be reinstated ; otherwise, I will have a lapse in coverage. I called Chase the day I received the letter and spoke with a rep in their insurance department. The long and short of it is someone within Chase deemed my house a " demolished property '' and therefore, they do not collect an insurance premium for a year while the house is supposedly being rebuilt. All I had was roof damage. It was never demolished. Their rep told me he has been a banker with Chase for 11 years and has " never seen this level of incompetence '' and used the words " flabbergasted '' and " egregious error '' repeatedly during our conversation. He also told me that he was escalating my case and a supervisor would contact me w/in 24-48 hours. Of course, no one has. I called again today and " a supervisor was not available '' and I was given another 24-48 hour window within which to expect a call. The rep also told me that it would not be my responsibility to fund the insurance payment and that Chase needed to re-establish the escrow account, fund it and get my insurance reinstated immediately. Obviously, they have zero sense of urgency since none of that has happened.

This is not the first bad experience with Chase since my mortgage was sold to them last XXXX. In XXXX of this year, I wanted to make an additional escrow payment and instead of withdrawing the additional amount I wanted to apply, they withdrew more than double the amount and coded it as XXXX mortgage payments. I was also told that I could not set up auto payments with them and had to specify dates and amounts to be withdrawn so that I could make an additional payment on my mortgage by the end of the calendar year. That proved to be false, but the level of ineptitude demonstrated by the people I have dealt with at Chase is absolutely horrifying to me since they have ready access to my money. That case was also escalated and took 2 weeks to resolve. 

I have contacted the lender who refinanced my loan and begged them that if they had any say as to who bought mortgages from them, to NEVER let Chase buy another mortgage and told him what had happened. Unfortunately, they can't control that but if there was any way I could get my mortgage away from Chase at the same interest rate, I would have done it. They are the absolute worst bank I have ever had dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc.
State: UT

Complaint narrative:
I spoke with a representative in XXXX and requested validation of this debt. No validation was provided. This company calls me two times a day, but the phone never rings and they only leave a voicemail. I demand validation of this prior to receiving anymore phone calls. 

To Whom It May Concern : Be advised this is not a refusal to pay, nor is it a notice that I acknowledge this debt but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Proof that this debt is not time barred. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please see attached letter for more details and all of the information requested.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARM Professional Services LLC
State: IL

Complaint narrative:
ARM Professional services was e-mailed a cease and desist letter however, they ignored my communications and continued to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I ordered shirts from a XXXX Company ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " XXXX ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and XXXX for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " XXXX '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( firstsource ADVANTAGE ) trying to collect for " XXXX and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a student loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of 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 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
In 2017 I went to an emergency room while insured by XXXX XXXX insurance. The hospital was never paid by my insurance. This is not my fault. In fact I have already had this once removed from my credit as all three credit reporting agencies previously took it off but the same old debt from 2017 just popped back in my credit report again this month. Just because it was sold to another debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX Had a bill for a little less than XXXX $ never received any information about this. They turned it into collections and they were helpful and bill is paid. But then I had another bill for XXXX $ and they sent it to collections. Nobody every contacted me about this bill. I discovered it on XXXX XXXX I called credit col XXXX XXXX XXXX, XXXX wv XXXX ( XXXX ) XXXX on XX/XX/2022 at around XXXX or XXXX XXXX The lady was so rude and un helpful. Originally told me I couldn't make payments. I asked if they would settle the debt for another amount because i dont have the whole amount and she hung up on me. I understand if they want to full amount but I'll just need to make payments. No need to hang up on me and be very rude about my question. I tried to verify if the debt was mine. I don't have any recollection of this debt. I did set up a payment plan and I paying it off. When I went to make the payment they said card payments XXXX $ or check payment was free. I told her I didn't have checks but would go to the bank and get one. Then she was so rude and snapped at me and said I never said you had to send a check. If someone tells me to pay by check I have the understand that means to send a check to them. She said I just meant I need the account number and routing number. I never received anything about these bills and i was trying to settle them and was bullied and treated like trash because I was requesting a payment plan.

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-24 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-24 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
On XX/XX/22 I put in a dispute with Experian for a removal of a public bankruptcy record that they stated was verified through XXXX XXXX. 
However, I disputed the accuracy of the bankruptcy with XXXX XXXX on XX/XX/22 the dispute was not verified and removed from the report. 
I XXXX XXXX, consumer, and natural person, I am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : Bankruptcy Account NumberXXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Sincerely, 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 2022-06-24 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: IN

Complaint narrative:
Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
i have contacted seventh avenue debt collector several times within the last 3 weeks about this fraud and identity theft of a XXXX  XXXX card placed in my name and now attempting to be collected by them last time was XX/XX/2022 seventh avenue XXXX XXXX XXXX XXXX, WI XXXX XXXX ( there address, on my credit reports... ) at this number ( XXXX ) XXXX and talked to XXXX I had told her I called before about this identity theft/fraud and how the other customer relations personnel from last call had indicated they would send me a formal dispute form which i never received nor is it on record that they sent one out as it was indicated to me by XXXX... 

I reported this fraud to them and to all three credit agencies so far they have rejected my online disputes and refused to give credence or legitimacy to my dispute nor have they sent me the dispute documentation they promised to, so i can formally dispute by paper and not only online which i have already done several times through my credit report agencies and XXXX XXXX 

i have been falsely accused of owing XXXX dollars and past due of XXXX dollars and on this fraudulent account and debt collection it indicates i am 120-140 days late...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, U S Dept of Education Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-24 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:
I was trying to apply for a car and I was told that my credit would not be checked however I have several unauthorized inquiries.

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