vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My card was stolen used and then fraudulent payments were made to exceed the credit limit. Chase has denied the fraud by stating in attached letter - " We reviewed your account and determined its valid. Heres what we found during our review : We received payments on this account that were in your name and business name '' The above reflects Chase has the information how payments were made by me but can not give me the information regarding the fraudulent payments made in 2017 by the thief. Chase states in attached letters : " We are not able to send the information you requested. We understand that you had questions about payments that were made on the account in 2017. You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. '' Chase is holding me liable but refuses to supply payment information by the thief on my card that Chase is holding me liable for. Unbelievable! This is totally void of common sense. Does Chase believe the thief will sue them for divulging how the thief sold? 
Then Chase continues in another letter stating " The claim should be handled as a civil matter directly between you and the known third party to recover the funds. '' SUMMARY - Chase knows how I made payments on my card that they hold me liable yet refuses to give me the fraudulent payment information MADE ON MY CARD reflecting the name of the thief and then informs me this is a civil case between myself and somebody else they refuse to divulge and tells me good luck???? This doesn't make any sense. Chase protects the thief and affords thieves more rights than their own customers. Chase has now acknowledged in their letters that someone else made payments that bounced and refuses to give me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 about XXXX eastern time i called Transunion XXXXXX/XX/XXXX andXX/XX/XXXX to kindly remove incorrect personal information as far as my name and address that are on credit report which is affecting my credit score but they were being rude, had we on wait for about 15mins and they just wouldn't comply.

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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
i already disputed this account. debt collector has failed to respond to my dispute. the account is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The debt is with XX/XX/XXXXXXXX and I have consistently tried to let them know that the debt does NOT belong to me. It belongs to my father XXXX XXXX XXXX XXXX. They have come back and placed the debt on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I recieve threathening phone for a debt that is not mind. The company who claims I owe a debt is Southern Management Systems. The original company that claims that I owe debr is XX/XX/XXXX in the amount of {$5500.00}XX/XX/XXXXXXXX XXXX, XX/XX/XXXX I have disputed charged on XX/XX/2020 and XX/XX/2020 and was told debt was verfied. This is causing a hardship on my ability to move forward with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
Today between the hours of XXXX and XXXX XXXX the General Manager at JD Byrider on XXXX are XXXX XXXXXX/XX/XXXX and I were having a conversation about another agent, XXXX, and the illegal repossession of a XXXX XXXX XXXX XXXX I have contacted legal counsel and asked XXXX for contract, tracking number for a right to cure letter they stated was sent certified and payment history. XXXX and I were going back and forth. He then stated, I was trying to be nice to you but now you aint going to XXXX get XXXX! And hung up the phone. He called me from this number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
After reviewing my credit report and seeing Portfolio Recovery I had contacted him to provide an original contract between me and them. They never verify the debt. I called PORTFOLIO RECOVERY looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call XXXX XXXX XXXX  XXXX XXXX  who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
This is a new auto loan with Ford. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other Ford vehicles. On XX/XX/20, I received an alert from XX/XX/XXXX that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from Ford about being late. I called Ford 's call center, and the technician clearly did not have the correct information on file. When Ford responded to my letter, they said I logged into the account in XXXX and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from Ford, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owneXX/XX/XXXX, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in Ford 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and Ford has the accurate address on file, and I have received statements in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX issued a check for XXXX. My husband was in an accident XXXX. The check was made out to XXXX XXXX law firm, XXXX and XXXX XXXX. I waa never made aware of the issuance if the check mid XX/XX/XXXX. The lawyer sign and added XXXX Signature. Issued XXXX a check XXXX we were living together but separated with out my knowlegde or signature. The check was issued by XXXX and cashed at Bank America. I have been giving the run around from XXXX and Bank of America. The lawyer removed himself from the accident case he was handling for me stating to XXXX I am trying to get him disbarred. He never contacted me. XXXX sent me a copy of the cashed check. This was theft.

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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Finance System of Richmond, Inc.
State: IN

Complaint narrative:
Friday, XXXX XXXX 2020, an account manager from company Finance Systems in Richmond, IN ( XXXX XXXX spoke to a third party about a personal matter regarding debt that they claim I owe them. I believe the individual involved was also sharing this information with her coworkers as they somehow knew who I was before I even gave them my name. Its scary to imagine that a random number can call this organization and the operator can give them my name without my consent. I felt that this was very unprofessional and definitely a violation of the Fair Debt Collection Act, hence the reason I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TX

Complaint narrative:
After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank 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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TX

Complaint narrative:
After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank 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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: ME

Complaint narrative:
I attempted to close a checking account with Key Bank and they were unwilling to do that. Months later they charged off the account for {$75.00} which was the result of 3 maintenance fees on the account for aXX/XX/XXXX balance. I am not unable get this resolved as no one in the organization will take responsibility. I am left with no recourse as a consumer as I have been transferred to other departments several times and hung up on as well. This is a clear case of an organization gauging a customer for fees because they're unwilling to do what they're legally required to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 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: TN

Complaint narrative:
I sent out original dispute letters to all 3 credit bureaus on XXXX XXXX, 2020. After not getting any investigation results back I sent a 30 day demand to comply on XXXX XXXX, 2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.

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 2020-12-04 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/2020, CAINE & WEINER COMPA add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have asked target to remove this account from my credit report. I have never asked to be an authorized user on a target card nor have I ever used one. This is fraud! Target sent a letter stating they couldnt find me on an account. However XXXX  has refused to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 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: MD

Complaint narrative:
On XX/XX/2020 about XXXX eastern time i called Transunion XXXX XXXX and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-12-04 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: OK

Complaint narrative:
This is a new auto loan with XXXX. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other XXXX vehicles. On XX/XX/20, I received an alert from Experian that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from XXXX about being late. I called XXXX 's call center, and the technician clearly did not have the correct information on file. When XXXX responded to my letter, they said I logged into the account in XXXX, and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from XXXX, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owner, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in XXXX 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and XXXX has the accurate address on file, and I have received statements in 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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Neighborhood Capital Funding, Inc.
State: MI

Complaint narrative:
Affiliated Mortgage is always on voice mail. Cant even talk to any one. Tried checking different departments to see if I can talk to someone. Still always routed on voicemail. How can I get help if no one is helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: NJ

Complaint narrative:
Around XX/XX/XXXX, I sent a certified to TransUnion telling them about unauthorized credit inquiries on my credit report. I listed the unauthorized credit inquiries and asked for them to investigate and have those inquiries removed as they were not authorized by me. TransUnion failed to do so. 

The unauthorized credit inquiries are below : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2020-12-04 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: AL

Complaint narrative:
I recently challenged the validity of XXXX XXXX, XXXX account thats being reported on my recent credit report. Upon challenging this, XXXX  and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Experian that they verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Experian used to verify this account in writing. If such documents can not be produced, Experian needs to delete account from my credit report 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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX  XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items

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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Account holder is my mother, age XXXX with XXXX  disorder. She wants to add my name to the account. Multiple delays. one delay was due to me changing an appointment. Another delay from poa problems. Calls were not returned and emails were not answered. Wells Fargo expects my mother to come into the branch for about 45 minutes to sign documents and will not accept a notarized signature. My neighbor is a notary and could easily notarize for her but WF staff says they can not accept that. 
Accommodations for Covid are not being made with this situation.

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