vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received email on XX/XX/2019 & approx XXXX/XXXX/XXXX  for account verification information after an online banking system upgrade, but for a 'non-existent ' active account. A JPMorgan Chase account shows on my credit bureau reports from a  voluntarily closing account decades ago. 



Begin forwarded message : From : " Chase '' XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : Your account security verification is required Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online services. 
XXXX PLEASE DESCRIBE THIS IMAGE ** Dear Chase OnlineSM Customer : We're writing to let you know that limitations has been placed on your account to protect you from unauthorized transactions and identity theft. 

Due to our recent online banking system upgrade, all Chase account whose online banking details are yet to be verified will be terminated. 

Here 's what you should do : Kindly, click Verify Now link to remove limitations on your account.

Go through the Chase identity verification process carefully.

Monitor your card and account for any transactions that you don't recognize. 
Contact companies that automatically charge your card ( cable, cell phone, insurance, etc. ) Here 's what you should know : All of our accounts have XXXX Liability protection1.  That means you're not liable for unauthorized transactions that you promptly report to us. 
We'll continue to monitor your card and account to help identify any unusual activity. If we detect any, we'll notify you. 


Thank you for your business and trust. 

Sincerely, Chase Fraud Department JPMorgan Chase Bank, N.A. Member FDIC 2019 JPMorgan Chase & Co . 

Your personal information is protected by advanced online technology. For more detailed information, view our Online Privacy Policy. To request in writing : Chase Privacy Operations, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies TransUnion, XXXX, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. TransUnion and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also TransUnion, XXXX, and XXXX  state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
XXXX XXXX is reporting a collection that I would like a validation of debt for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: Carter-Young, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I contacted Carter Young Collection Agency Concerning a collection on my Son ( XXXX XXXX XXXX ) Credit Report due to an erroneous apartment collection from a student housing apartment XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, FL. I was disputing the validity of the debt and provided information on the individual that moved in the apartment in XXXX after my son moved out in XXXX. I received no response from agency. 

On XX/XX/XXXX I followed up with the a second email. Still No response from the company. 

On XX/XX/XXXX I received notification from XXXX that the collection agency had placed the same debt on to my credit report. I have never lived in Florida, had no knowledge of this debt until XX/XX/XXXX. The Collection Agency Maliciously placed this collection on my credit report that is not mine. I as a mother trying to assist her son correcting his credit report was acting in good faith contacting the collection agency to dispute and resolve a debt. This agency made no attempts to resolve the matter but in turn acted in a malicious manner. I have been harmed by this malicious act as I just submitted at application for a mortgage on XX/XX/XXXX and this is prohibiting my ability to qualify for a home for my family. 

On XX/XX/XXXX I contacted the agency 7 times to speak with a supervisor and was continuously transferred to a Ms. XXXX who had preformed the malicious act. I emailed and mailed a letter the company notifying them that my rights had been violated and requesting for the collection debt to be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am a cosigner of a loan. I began making payments several years ago when the student was no longer able to make the payments. I spoke with a Navient representative and told her that I could make the payments by the XXXX day of each month. The representative agreed that the payments could be made by the XXXX day of the month and told me that the amount due monthly is {$280.00}. I have been making payments monthly without any further contact from Navient. It was about 6 months ago I began receiving calls from Navient asking for money. I was confused why I was receiving a phone call from Navient asking for money. I was told that my payments are due on the XXXX  day of the month. I NEVER RECEIVED NOTIFICATION FROM NAVIENT ABOUT THE DUE DATE CHANGE. Navient has been calling my phone two and three time a day harassing me about this student loan. According to my records I am not behind in making a payment. They sent me a email and I responded to them to STOP HARASSING ME!!! Now they are saying that I am late with my account. Something needs to be done about this out of control company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection that I would like a validation of debt for 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 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2019-09-19 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: North Idaho Credit Corporation
State: ID

Complaint narrative:
I received a letter from North Idaho Credit dated XX/XX/2019, advising me that they were attempting to collect a debt. I sent them a certified letter that one XXXX XXXX signed for on XX/XX/2019, responding that I was disputing the debt, And that I was expecting no further action on their part including making any reports to the credit bureaus. I further explained in my letter that I considered the matter closed and that the were not to contact me unless they were terminating their collection efforts, or that they were taking very specific actions allowed under the FDCPA. I have heard nothing from this group since that time. Today I was doing a routine review of my credit report and I have found an entry from North Idaho Credit. The account in question has been paid in full to the original creditor. The resolution I seek is to have this negative mark removed immediately and an apology issued by North Idaho Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, I've purchased a house in XXXX XXXX, NV back in XXXX and based on my understanding the mortgage rate was not fixed and it can be changed based on the market current rate. 

As of XX/XX/XXXX the current average mortgage rate is bellow 4 % ( 3.75 to 4 ) on 30 year mortgage. 

Back in XX/XX/XXXX my mortgage rate was 3.50 % Back in XX/XX/XXXX my mortgage rate was 3.75 % Back in XX/XX/XXXX my mortgage rate was 4.375 % after Mr. Cooper take over Nationstar Back in XX/XX/XXXX my mortgage rate was 5.375 % Now as of XX/XX/XXXX my mortgage rage is 5.625 % which is almost 2 % more than the current offered mortgage rate. Within last 2 years my mortgage interest dramatically increased to almost 2 % bringing my current mortgage rate to XXXX and this is a disaster! 

This is a a complete rip off and a violation against good customers who are struggling to pay their mortgages and stay current not to lose their only houses. 

I've tried to contact Mr. Cooper numerous times but all my calls and emails were ignored and all my attempts so somehow be helped were declined. 

This is a complete scam and fraud taking place by Mr. Cooper which should be immediately stoped. Even if the mortgage has a floating interest rate, it should always be adjusted to the current average market rate. 

Attached please find all the statements as a proof. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been lied about a refund from the pending deposit by 3 different CSR 's. I have patiently waiting for my * {$790.00} and been giving 4 different times dates the check was mailed. Its been 1 month 2 wks  and in the first week of XXXX was told 10 working days and nothing. I called and was told 14-17 working days so I waited. then I was told account just closed on XX/XX/28 and ity be 10 working days again and check to was mailed. I waited past 10 working and no funds so I called CSR and was told it was XXXX and claim it and it was sent back and couldn't provide me with tracking # and was getting answers from a department that I couldn't speak to for some reason after being told 15 more days today. We are retired we are always home and I called today to be told that internal management said which only speaks to employees 15 more days!! I have a small business and which relies on these funds to keep going and because of this, it will be closing. I would use this money to take my XXXX  son 's needs which have helped out for years and now we suffer and figure out things because of your bank 's inconsistency and CSR 's that lie and tell whatever. All is my money back not yours that we worked for and there shouldn't any excuse! I WILL BE FILING A COMPLAINT WITH THE FEDERAL RESERVE AND ATTORNEY GENERAL YOUR AREA. I have been pushed around so much by a bank and sure took out fees to be treated like this. I want some to call me that make decisions and tell me where I can pick my funds. I have long enough and been very patient my number is XXXX XXXX or email me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I opened an account with Frost Bank towards the end of 2016 I had the account open for approximately 6 weeks and each week there were Numerous fraudulent charges I immediately ( within minutes of the charges being alerted through text, email I Immediately asked those charges to not be accepted out of XXXX & XXXX?!?! a bar in XXXX and I think a grocery store in XXXX.. I am in Texas! and have never been to either one of those countries.. I physically was told " it's no big deal just come into a branch and we will give you another card '' and " we will get to the bottom of it '' .. but we will give you a provisional credit..? I have screenshots of the emails back and forth ad proof! also the physical emails themselves as proof of these FRAUD Charges Immediately being disputed and a list of the dollar amounts 4 charges from the same bar in XXXX on the same date Within a few seconds I believe for over {$1200.00}!?!. Never Once was I questioned, asked about, any of the charges, told steps that were needed to be done ( like filing a police report ) NOTHING!?! .. I received a call one day from a branch manager ( I saved her voicemail as a matter of fact, it's time-stamped and dated ) stating " we're closing your account! '' .. I said " What?? you owe me {$50.00} still " that's In my account '' .. 
.. at this point I was willing to allow it to be closed based on her lack of effort and allowing all of this fraudulent Mess to take place!! ) .. " what are you talkin about you're supposed to be investigating these fraudulent charges!?! " ... 
they said " No we're just closing your account, oh and you owe us 500 something dollars?. " .. like what in the Heck are you talkin about!?! ... ... 
. 
now this is on my credit and it has become a huge pain in my family 's side I will file whatever charges are needed or seek legal counsel if necessary for restitution, time lost, aggravation, stress, NOONE has helped me@FROST.. FROST.. I called them dozens of times asking for resolutions ... 
BUT ... then I started getting letters in the mail saying yes " we investigated the fraudulent charges and YOU WERE RIGHT! .. we have finalized the credits instead of just a provisional .. '' ... 
but still after they closed my account they stop talking to me about anything ... super unprofessional, extremely jacked up, just caused more drama and stress in my life PLEASE HELP!!! Thank You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my third time asking for an investigation of a bankruptcy ( XXXX ... ) reporting on my credit report. I asked in each of the three letters who verified this information. All three credit companies XXXX, Equifax, and XXXX have said that the data furnisher is The United States Bankruptcy Court. I called the courts to verify this and they stated that they dont even report to the credit bureaus or third parties. XXXX  and XXXX  even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investgation. Also XXXX, XXXX and Equifax state that they use XXXX to verify information. I have an attached letter from XXXX first showing that it is frozen and secondly that the bankruptcy was deleted out of there because it was incorrect, unverified and shouldn't have been in that report.

Company response to consumer: Closed with explanation