vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This debt is reporting twice on my credit report. Please see attachments. I paid the current owner of the debt, XXXX, however IC System is reporting it as well. It's my understanding that two collection agencies can not report the same debt.

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 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
called company they never responded back. 
{$71.00} Balance updated XX/XX/2020 2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Keep getting calls from : XXXX XXXX about debt collection. Company shows as Harris & Harris. 

I actually spoke to someone once, they were looking for someone I don't know, who definitely does NOT live here, and they told me they would take me off the list. Instead, we're getting a call every third day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-20 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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}. 

On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX. 

Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no. 

Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Around late XXXX XX/XX/2020 I tried logging into my Chase mobile banking app but it prompted me to call a phone number. I called the phone number and told them that I could not log on to my account. The person told me that my account was suspended ; I asked why but she told me it was the banks decision. She never disclosed the reason to why the bank made that decision. I found this odd because I never received a notification about the suspension since I was using the card perfectly fine the day before. She did tell me that I would eventually receive a check to my old address, my moms place. I also received an email from Chase that I had a message in my online banking account, but because my account was already closed, I could not log on to view the message. About a month or two later I called again to ask and they said my account was under investigation due to suspicious activity, which I had no clue as to why or how. I also received a new debit card of the same checking account from Chase but it did not work due to the fact that account was suspended. They told me that Id receive it in 10 business days. Then, about a month and a half later I called and they said the check was being sent, but I still did not receive a check anytime. So I called them another time just to ask them to change the delivery address to my current address because maybe there was a chance that it was sent, but someone at my old house had misplace it or something. The person also disclosed the amount that Im suppose to receive on the check. Now I called again, XX/XX/2020 and I finally got the reason to why the bank closed my account and its because of 2 suspicious deposits in XX/XX/2020. But Im confused because they told me the account was suspended before that date. The fact that company failed to notify me beforehand that my account had suspicious activity and just closed my account like that with my funds doesnt sit right with me. And this Chase checking account is the first bank account Ive ever opened since Im new to adulthood and I feel very wronged that this happened without any notices or anything. The suspicious activity that I could think of is the fact that I filed for student unemployment due to COVID-19, thus I was deposited money weekly to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an account with Bank of America. And in 2019 I had several charges on my account that totaled upwards of {$10000.00} that were not charges that I made. It was to what looks like a wood company. I had the same issue with all of my other credit cards including my other checking account with XXXX. Everyone did an investigation and refunded my money. Bank of America has neglected the fact that I made the fraudulent report in The beginning of XX/XX/2019. I called again in XXXX and again in XXXX. However when I called in XXXX I believe it was XX/XX/XXXX I was told that someone had called and asked if there had been a fraudulent claim and that I had said no. Further investigating this claim another representative found that while it stated that I had said there was no fraudulence, their head in fact been no record of anyone calling me. This means that they did not call me and they claim that I said something, that In fact I never did. I made another claim in 2019 XXXX. When I spoke to another representative again in XXXX I was told that because it was 60 days later after the transactions had already been completed that I would not be able to get a refund. This is not accurate information because I did in fact make the fraudulent claims well before 60 days were up. It is due to Bank of Americas negligence that 60 days past. Since then I have fax them several times that I did not make those charges which was their direction to do so. They still have yet to send me any piece of information, via email or mail. I have not received a single phone call about this issue. I finally spoke to another representative and I have had enough. I did not know that I could make a police report and I am going to. Again all of my other Credit card companies and XXXX where I had my checking account reimbursed me except for Bank of America who has not done an investigation. 

Furthermore I have learned that there are many people like myself that file claims of fraudulent with their accounts either being hacked, ATM cards being stolen, and many other situations were Bank of America will neglect claims, avoid investigations, and dismiss their own customers. I need help a year ago ...

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 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
Representative XXXX XXXX from Grant & Weber collections was repetitively mailing me and when speaking to me on the phone made abusive statements. XXXX XXXX used phrases like, " Only criminals don't pay, '' and " Anyone who owes money knows what they did wrong. '' Grant & Weber began mailing me around XX/XX/2019 claiming that I owed {$990.00} in medical bills from XXXX XXXX. I contacted my insurance at the time, XXXX XXXX XXXX and they confirmed with me that the services were covered and they would pay the bill. They then contacted Grant & Weber to inform them to stop harassing me and stop contacting me. 

I then had to call XXXX XXXX again in a month to verify the bill had been paid. I again received the same aggressive and abusive tone, and XXXX XXXX implied that this bill would ruin my credit. I made a complaint about this. 

I am now looking at a recent copy of my credit report and this collection from Grant & Weber is still here, even though it was confirmed as fully paid. I believe I am being retaliated against by Grant & Weber for filing complaints. I feel like my rights are being violated and illegal collections are being imposed on me.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I communicated directly to Midland Funding LLC. I never received any response from them when I asked for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My daughter has been trying to help me apply for a loan modification as my wife passed away and Covid I fell behind in my payments this was in XX/XX/XXXX since then I have been turning in documents and they send me a letter they need more documents they wont take my payment because they said I am in a modification and the balance is now XXXX they increased my monthly payment without notifying me. I cant reach a live agent then I spoke to XXXX XXXX and he said they dont need a profit and loss for me cause I am retired. On XX/XX/XXXX they sent me a letter which I got on XX/XX/XXXX. They denied my modification because all docs were not provided. But due to Covid its taking more time to get the deed they need now we are denied and cant get to a live person Im also a vetern and worried I will loose my home please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC Report number # XXXX Experian report number # XXXX I attempted to submit a dispute a dispute with Experian and their system would not allow me to submit supporting documentation to back it. This is a violation of the FCRA. I have attached supporting documents that I was trying to submit with this dispute. Please investigate.

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/20 I attempted to change the phone number to my account as I did not have the previous phone number XXXX used anymore. When I asked to change it Chime told me they would not be able to give me access to my account unless I provided them with my phone bill. Because apparently it was associated with a different account. My phone number is under my boyfriends moms plan and I am unable to put my name on it. So they told me unless I got a new phone plan I would not be given access to my account. I sent them my ID a picture of me holding my ID and my social security card pic via email and nothing is satisfying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
contact the company no response. 
{$300.00} Balance updated XX/XX/2020 XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Today is XX/XX/XXXX. I had a XXXX credit card years ago and paid it off in XXXX of XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called Convergent, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA 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 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
While I was checking my credit reports I found that the collection firm Caine and Weiner has a collection filed against me for a debt that is not mine. I've contacted the original debt holder XXXX and they confirmed that the debt was indeed inaccurate. XXXX informed me to contact Caine and Weiner since the account was transferred to them. 

I have contacted Caine and Weiner but they have refused to delete this inaccurate account from each credit bureau. Prior to me contacting Caine and Weiner, I never received any type of dunning letter or statement claiming that this debt was mine. I was never given a 30 days notice to contact the original account holder Caine and Weiner, nor have I received any phone calls. 

This account that was transferred to Caine and Weiner shows account history from XXXX XXXX, NV. I've never lived in XXXX XXXX, NV nor have I ever owned any of the vehicles that were listed on the account. 

Caine and Weiner has requested that I contact them directly but at this time I will not be providing Caine and Weiner any further information since they have mishandled someone else 's information that is similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I owe {$510000.00} on a {$690000.00} loan. I asked for PMI to be removed and the request was rejected because they claim the LTOV ratio is not 80 % or less. My LTOV is 73.97 %.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Today is XX/XX/XXXX. I had a Chase credit card years ago and paid it off in XX/XX/XXXX through another agency. I have all my paperwork to prove it. Six years later I am getting a notice saying I owe {$4300.00} but I can settle for {$2100.00}. When i call this suspicious company called XXXX, they put me on hold and then hang up. Cant reach an actual person. Seems like a scam to me. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX , WA XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Chase credit card account was closed in XXXX. I have been struggling financially more than even from COVID 19. I have lost over {$30000.00} a year in income. I have been completely overwhelmed. My Chase account has now been closed. 
I called to see how we can reopen it, and get a plan going moving forward. 
Chase will do nothing to reopen my account. I need it open so I can start rebuilding my credit and paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I, the consumer, disputed this debt in XX/XX/2020 with XXXX  , XXXX After an investigation, the credit bureau concluded that this account was incorrect, and sent notification to XXXX XXXX XXXX to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX, XXXX, XXXX, and by extension Dynamic Recovery Solutions has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have submitted this evidence to Dynamic Recovery Solutions to verify the results of the credit bureaus investigation, in addition to the Consumer Finance Protection Bureau.

The account in question is Reference Number : XXXX

Company response to consumer: Closed with non-monetary relief