vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted my first dispute letter in XXXX. I sent it certified mail. It was signed for XXXX XXXX. 
I waited 45 days and submitted another letter asking them to remove all inquiries in accordance with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41,  et seq. ) I was told on XX/XX/XXXX, that they are just now starting the investigation and it will not be completed until XXXX XXXX. 

This is a clear violation of the FCRA. It is not the consumer 's fault that it took them over 50 days to process my information. It is their job to comply in proper time given. This is unfair and unacceptable and is ruining lives.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I disputed this debt with this company this year asking for validation of this account and I received a bill in the mail from this company.I know my rights and a bill its not validation that I owe this alleged debt.This company hasn't provided proper validation and by law they need to cease all collections and reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CA

Complaint narrative:
Hello, I have recently attempted to contact Equifax, XXXX, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

Equifax : On XX/XX/XXXX I sent a letter to Equifax asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

XXXX  : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are two accounts from XXXX XXXX XXXX XXXX that are reporting on my credit profile that I know aren't mine. XXXX and XXXX removed the accounts because the found the accounts to be invalid, I tried to do the same for Experian but they are still reporting the accounts on my profile. I sent a letter to them certified mail requesting they review my profile on XX/XX/2020 and to this day I have not received not one single update. It's been over 30 days and not one update on this account being removed. I have the certified letter receipt to show that they received and signed off they received my letter on XX/XX/2020.

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 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
On XX/XX/2020 I received a delinquent tax notification from my township. After calling my township, I am told that my mortgage company ( MOVEMENT MORTGAGE ) never paid Quarter 2 taxes. I emailed the delinquent notice to Movement Mortgage ( received a receipt via email ), called Movement Mortgage and spoke to representatives on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each representative either reported a payment will be wired on XX/XX/XXXX ( never happened ) or we are looking into that. 

At this point, my taxes for two quarters have not been paid. My mortgage payments have been made on time and my escrow account has enough money to cover the taxes. 

There are also penalties that I should not be responsible for paying. 

I appreciate assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A merchant has provided inaccurate information about their products. Once the merchant has sold me the products, I went home and starting to try the products ; however, I started to experiences side effects. The merchant told me that I would not. I then asked the merchant for a full refund, which they did not give me. Then I contacted Navy Federal to resolved the issue. They then advised me to give the merchant the product back, so it does not seem like I am trying to keep the products and get my money back. I did that. I called to check the status and they stated that I needed confirmation of receipt. I had to fight with the merchant to get the confirmation of receipt because they would not provide that. Navy Federal told me that they would not process my request because I did not have a confirmation of receipt. I finally was able to get the confirmation of receipt and submitted the documents through the portal. Navy Federal has informed me that they would not give me a refund because of the information that the merchant has provided to them. However, the merchant has provided me a partial refund in the amount of {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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:
Fraud XXXX account on Experian file

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
We were offered a Deed in Lieu of Foreclosure in XXXX of 2016 by NationStar Mortgage.. We vacated the property and were assured the account was closed in XX/XX/2016. The Company is reporting that is was not closed until XXXX of 2016 and on some reports XXXX of 2016. This needs to be corrected. We have disputed this through the credit bureaus as well as tried to make headway with NationStar to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I was billed for a third ( 3rd ) time in the amount of {$64.00}. It is even dated XX/XX/XXXX, posted XX/XX/2020. 

I am a XXXX year old XXXX American Veteran and the dollar amount was typed incorrectly in earlier complaint XXXX. Please forgive my error. As I am having a great deal of problems due to the incorrect billings by JP Morgan Chase bank. 
. 
There was just one ( 1 ) purchase with XXXX on XX/XX/XXXX. JP Morgan chase has billed me three ( 3 ) times for this amount.. 

Please be so kind to assist and get these negligent incorrect billings corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - Transunion & XXXX XX/XX/2020 - Transunion & XXXX & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - Transunion & XXXX XX/XX/2020 - XXXX   & XXXX XX/XX/2020 - Transunion XX/XX/2020 - Transunion XX/XX/2020 - 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 2020-08-03 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: CA

Complaint narrative:
Hello, I have recently attempted to contact XXXX, XXXX, and TransUnion. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt  number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

TransUnion : On XX/XX/XXXX I sent a letter to TransUnion asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.

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 2020-08-03 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: CA

Complaint narrative:
Hello, I have recently attempted to contact XXXX, Experian, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

Experian : On XX/XX/XXXX I sent a letter to Experian asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to Experian, I never received any responses back from them. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.

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 2020-08-03 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Hi, I have sent certified letter Credit Acceptance # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into Credit Acceptance as well.

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

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 2020-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I financed the vehicle with Bridgecrest Auto XXXX. I make all of the payments online. In XX/XX/XXXX and XX/XX/XXXX they drafted the wrong amount from account, lower than the actual payment. I contacted them regarding this and they said it would be re-drafted to make up the difference and there would be no affect on my credit. This did not happen and it is showing up as two late payments on my credit. I have paid the less then {$100.00} they forgot to take out out as soon as figured their rep lied to me. This was there fault and they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I paid a Cashier 's Check {$29000.00} to Chase ( Date XX/XX/XXXX ) to payoff the balance of my account. 

According to my bank, the check " was processed by Chase on XX/XX/XXXX and cleared our account on XX/XX/XXXX ). '' My card was declined at different stores multiple times and when I called Chase, they told me that it was because I didn't have any available credit. Each time they claimed that they had not received the {$29000.00} payment. 

On XX/XX/XXXX, I called and was told that they still had not received my payment. I offered to provide a copy of the canceled check via email or scan, or fax. They said they had no record of my payment and no way to receive a copy of the check from me, and I would have to wait. 

I called again on XX/XX/XXXX and got the same response. I was exasperated and asked to speak to a supervisor, who told me the same things as on XX/XX/XXXX. After pressing she said they did receive the check, but that they had to wait a few days for it to clear before they credited my account. I again gave all the information about the check and offered to provide the canceled check. She again told me there was no way to receive it. 

I told her to cancel my account completely and that I would no longer do business with Chase. I told her I would wait on the line until everything was closed. She confirmed that all was closed. 

On XX/XX/XXXX an " Chase Auto pay withdrawal of XXXX '' cleared my personal checking account. I called chase and spent another half hour trying to resolve the issue. they claimed it was for interest accrued after before the check cleared. I explained everything to two different people and finally XXXX in customer service told me that she could refund the money, but it would take " 2 business days to process the refund '' and that I would " need to call back and request that Chase issue a balance credit refund '' then it would be another 7 - 10 business days before they would issue a refund. 

I asked XXXX to delete my bank account information and that Chase was never again authorized to access my bank account for any reason. She said that was done. 

I don't understand why I have to wait a couple of weeks and call multiple times and request a refund for their error. 

Between XX/XX/XXXX, I have wasted almost 5 hours ( XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ) to get Chase to acknowledge a {$29000.00} check, and to refund me the money they overcharged, and I was told that I will need to call at least two more times to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a Victoria 's Secret Angel VIP card with a relatively small credit limit. I live in New York where we were ravished by the carnivorous pandemic. Unable to make it into the store to make a payment and an issue with the online payment system I received a few late fees and late reporting on my credit report. Considering all that has happened I am looking and hoping to have the fees reversed and late payment marks removed from my credit report. 

The CARES Act calls for agreements and accommodations '' between the lender and the consumer. I am asking a relatively modest request by waiting of late fees and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: GA

Complaint narrative:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - Equifax XX/XX/2020 - XXXX  & XXXX XX/XX/2020 - XXXX & XXXX & Equifax XX/XX/2020 - Equifax XX/XX/2020 - XXXX & XXXX XX/XX/2020 - XXXX & Equifax XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: GA

Complaint narrative:
I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - XXXX XX/XX/2020 - XXXX & Experian XX/XX/2020 - XXXX & Experian & XXXX XX/XX/2020 - XXXX   XX/XX/2020 - XXXX & Experian XX/XX/2020 - Experian & XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - Experian

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