vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am requesting Chase refund the {$5300.00} VA Funding Fee for my previous mortgage dating back to XXXX. I have a 10 % XXXX Rating from the VA that allows me to be exempt from paying this fee, the loan number is XXXX I have emailed Chase twice in the secure message system XX/XX/XXXX and XX/XX/XXXX and both times the system stated I would hear a response, and neither time was there any follow up. I called on XXXX and spoke with a supervisor who requested I email my VA XXXX Percentage Letter to XXXX. 

I had emailed the address and received an error message so I am unable to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
A debt validation letter was sent to CAPITAL ACCOUNTS CERTIFIED MAIL ON XX/XX/XXXX, XXXX on XX/XX/2020 a complaint was submitted to CFPB with regard to a debt XXXX XXXX : XXXX. CAPITOL ACCOUNTS responded to this complaint on XX/XX/2020 with explanation that this account would be cancelled and that the the have requested the tradeline for this account with all bureaus be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I had attorneys from Suttell & Hammer, The name of the attorney is XXXX XXXX XXXX, they sent me letters. It about a debt that they claim that I owe. So I sent them a letter responding asking them to prove and show this so-called debt that they claimed that I owe. They sent me a letter with my name on the front of the envelope. But when I open the letter, it showed that the information belong to a different person. So obviously, there is some identity theft. When they sent me this information they claim that would prove that I owed something. They sent me all these documents from somebody else 's record. The other thing was the missing handling of my personal information, I Do Not know anything of this so-called debt, that they are talking about. So, how are they able to have my personal information without me knowing about it. They could have sent my information to someone else. I am going to have to worry about people coming to my house or taking my information to sign up for credit and other things in my name. So, I am writing this complaint. It has to be identity theft or the miss handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX : Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX  XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX 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 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
My mortgage servicer, Arvest Central Mortgage, has charged me a {$10.00} fee for " a fax for a payoff quote '', which I never agreed to. The fee is set arbitrarily and since my mortgage was bought my XXXX XXXX, I never agreed with Arvest Central Mortgage on these fees. What is more concerning, is this " fee '' never appears on my account history or is disclosed anywhere. I feel that this sort of behavior is highly predatory, as Arvest Central Mortgage could pick whatever fee they want and then not disclose it to anyone. What is stopping them for making it {$1000.00} dollars instead of {$10.00}? Why is it not appearing on my account history. I talked to them and told them I am would like the fee waved, but they refused, telling me to call my title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FC HoldCo LLC
State: AR

Complaint narrative:
On XX/XX/2020 Flagship Credit Acceptance falsely reported an {$86.00} balance increase on my credit report causing my credit score to drop 62 points. This is after me asking them several months in a row to change my payment due date from the XXXX to the XXXX of each month and them not doing it.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
Enrolled in the free checking bundle with an offer of {$300.00} with the First Citizens Bank. The requirements that were I make 10 debit card transactions within 90 days and I did so. They haven't paid and weren't helpful when I messaged them. I want my bonus offer money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA

Complaint narrative:
PROFESSIONAL BUREAU OF C did not send a 30 day validation notice. They have not send proper written notice. They are not available to be reached via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flandreau Santee Sioux Tribe
State: RI

Complaint narrative:
To whom it may concern, Creditor/ company that they identify as XXXX XXXX XXXX XXXX XXXX has contacted my girlfriend on 4 or more occasions and left messages in regards to a debt possibly owed through Rushmore Financial. These calls started on XX/XX/2020 and have been occurring multiple times daily through today XX/XX/2020. They state they will be serving me papers for debt owed through a courier to my home and or employer. However I am informed them multiple times that I no longer live at address on file nor work at employer they have on file. I have attempted to provide new address and they then hang up and call back and continue to harass me. When they call back they state same thing all over again about coming to my home and employer to serve me but won't allow me to provide new address. They also have shared debt or personal information with a 3rd party and I have documented voicemails. Their number comes up as NO CALLER ID as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: IL

Complaint narrative:
I have on several dates, XX/XX/20, XX/XX/20, & XX/XX/20, sent letters to Portfolio Recovery asking for the company to verify the debt they claim I owe. To no avail has the company provided any contracts that I have/had with them. This debt is unverifiable and has no validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: ME

Complaint narrative:
On Monday, XX/XX/XXXX US BANK/ Reliacard , issued a hold on my Maine unemployment benefits debit card for no specific reason. 
They did not notify me. I found out by attempting a purchase. 
I called and was instructed to fax a copy of my driver 's license, SS card, and W-2 from XXXX. 
I did so on Monday XX/XX/XXXX. 
They claim that it will take 10 to 15 biz days to reactivate my card. 
This is absurd. 
Their manager was until to help expedite. 
I am unable to pay my rent due to this inompetence. They are holding {$2500.00} of my money.

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 2020-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX from Navient, extension XXXX, called me at XXXX XXXX this morning looking for my sister, claiming I was listed as a relative. This is highly unlikely since my sister and I are estranged and I have seen her once in 15 years, at my fathers funeral. I called back and asked for a supervisor who attempted to tell me it was legal because it was public record. Calling at XXXX XXXX isnt legal and I have my doubts that calling others trying to find a debtor is legal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I have been with this card as a good payer well over 3 years starting in XX/XX/2017 never have been late and do to payment error from their end I was hit with a late payment and my credit dropped drastically. 

I am trying to purchase my home and this late payment unfortunately isn't helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
Hello, Receivables Performance has flagged my account as collections on XX/XX/XXXX for balance {$340.00} to credit bureaus. In reference to that activity I have requested to raise a dispute of amount {$340.00}. I used to live at XXXX XXXX during that period I have signed a contract with XXXX XXXX XXXX XXXX and also had XXXX XXXX XXXX internet. Due to JOB I had to relocate to XXXX XXXX XXXX. I have requested to move my XXXX XXXX XXXX services both internet and XXXX to XXXX XXXX XXXX via customer service call. On that day a customer representative informed me XXXX XXXX XXXX services were not available in XXXX XXXX XXXX, hence the representative suggested cancellation of services and told me early termination fees will be waived in my case as XXXX XXXX XXXX is unable to move my services to my relocated place. Upon that confirmation I have placed all XXXX XXXX XXXX devices including internet modem and XXXX devices in a box and dropped in XXXX. Please find attached confirmation of XXXX XXXX XXXX equipment return. XXXX representative used only XXXX XXXX XXXX internet modem as primary shipping label and clubbed all XXXX XXXX and modem devices in one box and shipped to XXXX XXXX XXXX returns. I am still an active XXXX XXXX XXXX customer for a long time and used their many services in the last decade, why would I default {$340.00}? Anyways after stressful conversation with customer representatives I made payment as I no longer have patience. Never had any late payments to XXXX XXXX XXXX ( been with XXXX XXXX XXXX since XXXX ) or any other account. This negative flag has impacted my credit reporting. This is impacting my home purchase at right time.

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 2020-09-02 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: CA

Complaint narrative:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this 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 2020-09-02 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: CA

Complaint narrative:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: CA

Complaint narrative:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this 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 2020-09-02 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: CORELOGIC INC
State: KY

Complaint narrative:
someone by the name CREDO pulled my credit report without my consent

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 2020-09-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian reporting an was unauthorized XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/2018 2018

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 2020-09-02 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: UT

Complaint narrative:
I have sent letters to both creditors and credit bureas to remove inquiries that ARE NOT MINE. Because of the issues with the world now i cant get anything done and can't get responses back. So I call equifax and they say there's nothing they can do. Well yes they can the inquiries are inaccurate and NOT MINE. I have submitted requests for the following inquiries ... XXXX XXXX XXXX XXXX inq date XX/XX/XXXX & again on XX/XX/XXXX XXXX XXXX Inq date XX/XX/XXXX and again on XX/XX/XXXX & on XX/XX/XXXX. I have sent several letters over last year to remove all of these and nothing has been done. I changed my name over and ever since than I'm getting alot of stuff on report that is NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt signed over by CEO. 


ASSOC CRDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection ServicXXXX for other possible violations of the law.

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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I paid both of the debts off. They said the collections accounts would be deleted from my credit history as a part of the settlement. These are still on 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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

National Credit Adjusters # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank of america my debt card was used with all positive balances in the account at time of purchases starting date XX/XX/2020, today is XX/XX/2020, they held all processing until today so they can charge me 6. {$35.00} overdraft charges all at once .to collect the fees. ill explain. 
The first transaction was done XXXX FOR {$9.00} point of sale debt charge went thru. 
Next : merchant debt for {$1.00} charge went thru. 
all positives balances in checking account at time of t transactions Today XX/XX/2020, I had 2 charges come thru at XXXX XXXX on XX/XX/2020 usually in my business account i have ample time to cover these 2 charges before XXXX XXXX  banking hours. they blame it on merchant processing they are all debt cash transaction. 
Last charge was a XXXX transfer from my checking account to a relative account, cash balance positive in checking account. today the charged {$35.00} charge for that transfer as well. 
my complaint is all transaction are mine but they did not post transaction until my account was in the negative which was XX/XX/2020 I will not pay these fees deceptive account practices complaint # XXXX for bank of america filed

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 2020-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I was harassed about this debt with XXXX XXXX. I was called and told I would be arrested for committing bank fraud if I did not pay the debt immediately. Under a lot of stress and a bad financial situation, I paid the debt that they said I owed. As a part of the negotiation, they agreed to delete the debt from my credit reports. The collection activity is still showing on my credit report. This company should seriously rethink their collections tactics.

Company response to consumer: Closed with explanation