vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I received a bill from Chase Card Services representing my Amazon Prime account. I only use this card on Amazon and do not carry it with me. I use my bank ( XXXX XXXX XXXX ) debit card or my XXXX card when at stores. Several purchases showed up on the card that were made in person using one of the above cards and not this card. Those charges were not on my XXXX card or debit card and I remember making them, but not with a Chase Card. 

One of the purchases was from a XXXX Store in New York. A store I have never been in and couldn't possibly been there on the day the charge was made. I called and made a complaint about the charge and the other charges I didn't use this card for and about the charge in New York, I live in Vermont. 

The charge was for & XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, NY on XX/XX/2021. Chase told me I must have made the purchase because a chip card was used. I called the store and the manager told me there was no record of a transaction by me or for the amount on that day. I called Chase and informed them of what the manager said and was told I need to get video footage or a letter from the manager that I wasn't there. I asked them to get the same proof that I was and they told me they don't do that that I need to prove I wasn't there. You can't prove a negative according to an attorney I contacted who recommended I contact you. 

I am a XXXX year old woman living alone and was repeatedly told someone in my house hold probably made the charges. I don't have children and visitors do not have access to my office where the card is. I was also not informed that Chase has a security breach and members financial information had been compromised. I learned this on line when filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: CO

Complaint narrative:
I disputed the validity of this debt with Credit Control. I asked for specific information to verify the debt. As required by the FDCPA. I asked for 1 ) A Signed original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor. 3 ) proof that you are licensed to collect debts in Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of a n account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

I have attached the original letter requesting to confirm the debt. I also attached their response. Pages and pages of phone numbers that i don't recognize.

Credit Control doesn't get to dictate what they will or won't use to verify a debt. I would caution Credit Control in continuing to harass me. I have taken numerous credit collection agencies to small claims court and won. 

CFPB please see all of the attached documents i have provided. Credit Control is in violation of FDCPA

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 2021-06-08 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: SCA Collections, Inc.
State: NC

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 2021-06-08 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: Exeter Finance, LLC.
State: DE

Complaint narrative:
I filled a dispute in regards to the in the inaccuracies on my report it has been well over 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I filled a dispute in regards to the in the inaccuracies on my report it has been well over 30 days!

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 2021-06-08 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX and XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : COMEN-XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft COMENITY CAPITAL BANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Me & wife applied at same time for 2 separate cards with same income. Capital one granted her XXXX line of credit. Me XXXX. Wife XXXX I'm XXXX. Ran my card up and try to pat off my account using our bank card from XXXX. They told me that I had a fraud alert on my account and wanted the bank to verify transaction. Wasn't going to accept payment or release account. They turned around took payment and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: AXOS FINANCIAL, INC.
State: KY

Complaint narrative:
I applied to open a account with XXXX XXXX XXXX XXXX on XX/XX/2021. I was able to open the savings but not the checking. The reason for not being able to open the checking I was told due to something on my XXXX. I requested a XXXX  report and this is when I discovered there was a fraudulent account from AXOS Bank ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a amount of XXXX owed. I have never heard of nor have I ever had any type of account with this bank. I filed a identity theft report with FTC and I filed a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I recently received a copy of my credit report and upon review I found an account that is not mine. The account is SUNRISE CREDIT SERVICE and the original creditor is XXXX XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.

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 2021-06-08 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: WELLS FARGO & COMPANY
State: NC

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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax has not responded to my letter about four fraudulent accounts. These are not my accounts nor did I consent or authorize them. Also, according to the ) 1681 ( b ) ( 2 ) nothing can be furnished on the consumer report without the written instructions of the consumer. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: DISCOVER BANK
State: MA

Complaint narrative:
These accounts don't Belong to me. Please remove accounts : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I have been told numerous times that XXXX XXXX  is the owner not just the trustee on my mortgage, but I have a question, why did they not file with the county clerk until 2 years after the date of the assignment was signed? And now SPS is foreclosing on my home even after I made payments all of 2020 during a pandemic. With my mother XXXX from XXXX. I was the only designated contact and the only person who could see her in the hospital. And after 2 months of fighting, she lost her XXXX. I became a XXXX  mom, XXXX mom, and XXXX  for my father who also XXXX  XXXX. And the designated person for my mother 's care. But I never missed a payment even during a forbearance payment. My hours at work were cut as well. But now I have one week to attempt to find a home for myself and my XXXX children as a XXXX mother. My credit has taken a hit due to SPS reporting late payments over and over. So no one will rent to me. We will be homeless after 15 years. I have asked for a modification so that XXXX loans can refinance. But of course, it won't be in time. I am afraid my children will be home alone when the sheriff will kick us out and we will have nowhere to go. I have asked what the underwriting guidelines were. I have paid my mortgage and now I'm told I must pay $ XXXX to avoid losing a roof over my head. My intent is to keep the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: WELLS FARGO & COMPANY
State: NC

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 Equifax 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 2021-06-08 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: LoanCare, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, a forbearance request was made and approved by Loancare LLC for 2 XXXX XXXX backed mortgages. In XX/XX/XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; Loancare LLC then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted Loancare LLC several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

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 2021-06-08 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: NV

Complaint narrative:
I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve

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 2021-06-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: PA

Complaint narrative:
I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX of this year, I went to my credit union to make a wire transfer to Bank of America to pay off my mortgage. I had in hand a payoff letter from BofA with instructions on making the wire transfer. The instructions were somewhat sketchy, and there was no information on how to provide my loan number so that the transfer could be applied to my mortgage account. I made a guess about what data element should contain my loan number, and I called the BofA mortgage department while I was sitting in the credit union to confirm that I should do it this way. The rep said he thought that was probably fine so we went ahead. 

The next morning I got a phone call from my credit union saying that BofA had bounced back my wire transfer because they couldn't apply it as formatted, and they withheld {$45.00} from the amount they returned. I went back to the credit union and we did another wire transfer and this time I tried the other possible way to fill the data elements. This time it worked. 

I have contacted BofA multiple times over the past week to discuss getting my {$45.00} returned to me - I did the best I could with the payoff letter and my bank rep didn't think there was anything wrong with what I did. No one at BofA can even see the {$45.00}, because it wasn't a fee charged, it was an automated penalty done by computer and it's not associated with my loan. 

This is theft. It is not like I wrote them a check that bounced. There was plenty of funding sitting there in the transfer and no human had to intervene to return the money, the computer just helped itself to my funds. Nobody at BofA to whom I have spoken even offered to send me a check as a courtesy to make me go away, despite the absolute certainty that I have used more than {$45.00} of their staff resources trying to get an answer to this question. 

If this is how BofA is going to operate, they need to disclose in their payoff letter that a penalty may apply if you get the transfer wrong, and they need to make their payoff letter more explicit as to how you format the wire transfer. 

I have documents of the wire transfers and the payoff letter, I can provide them if they are needed but currently they are not in electronic format.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I mailed a money order for {$59.00} on XX/XX/2021 to Comenity capital and it was cashed on XX/XX/2021. They lost it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was scammed I paid via Bank of America XXXX {$400.00} then {$600.00}. I tried to get my money back but no avail. I have receipts and proof.

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC
State: WA

Complaint narrative:
I recieved an email from American Coridus saying I owed money to XXXX. I did a debt consolidation and it was paid off over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Phoenix Financial Services LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
On XX/XX/2021 I paid the full amount of XXXX to the originally creditor. The balance was updated and Receivable Management Services LLC stated they would remove the collection. I have written emails, did disputes and nothing has changed. I also spoke to 3 different representatives, all three were rude and hung up and just updated saying paid in full. I called on XX/XX/2021, XX/XX/2021 and also XX/XX/2021.

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