vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-07-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a call from debt collector in XXXX AL, called Amsher. 
Trying to receive collection on a debt that is not real, from a company that I do not have an account with. 

They said XXXX sent me to collections for 109 XXXX They stated the debt was made XX/XX/2021, I believe. Before they told me anything, like the name of the company etc., they mentioned the last four digits of my SSN! They also quoted an address that has never been associated with my account, and is only found on my I.D . card. 

I went into a XXXX store in XX/XX/2021, where they took a picture of my I.D . card, however I am a XXXX customer and only was in the store because of the merger. 
If XXXX did have some collection on me ( which is impossible because I have reoccurring e-payments set up monthly that have been consistent the past year ) they would only have one address for me, which is the address on my account, not a very old address that is only on my I.D .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Used my credit card issued by Chase at a XXXX on XX/XX/XXXX and several hours after that I started getting notice of international charges being put on my account. 
I am trying to contact Chase but they do not answer their telephone number. I have waited for someone at Chase fraud department for over 45 minutes only to be cutoff. My current call which is my fifth attempt has been on hold for 45 minutes. 
I have put a block on this particular card but wanted to be sure that Chase does not pay the current pending charges on my account. 
The card has also been put on XXXX XXXX  without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Here 're an essential timeline of events ( with paper trail evidence if needed ) of what happened with myself and Ally XXXX XXXX/XXXX  XXXX  up to an initial closing date of XX/XX/XXXX. 

XXXX, XX/XX/2021 : My loan officer ( XXXX XXXX ), does not show up for a scheduled appointment to review my final loan estimate prior to delivering the initial closing disclosures. I attempt to call her direct line at XXXX, no answer. 

XXXX, XX/XX/2021 : I call her again. Still no answer. This time I allow the operator to route me to the customer experience team, who then tells me they've reached XXXX and she would get back to me today. 

XXXX, XX/XX/2021 : XXXX calls me. At this time, I receive and acknowledge all line items in my latest loan estimate with XXXX at Ally XXXX XXXX/XXXX, including a {$390.00} origination fee. This loan estimate is shared with me via PDF over email at this time. I am also informed that I would receive XXXX, XX/XX/2021 : I received my initial closing disclosures, with an origination fee that increased 5x from the loan estimate agreed upon just 4 hours prior - {$390.00} to {$1700.00}. This is well past business day. 

XXXX, XX/XX/2021 : I emailed XXXX to clarify the origination fee increase. 

XXXX, XX/XX/2021 : I began a 7+ hour journey to attempt to reach XXXX. I was only ever able to speak to customer experience/support, or my closing expert, XXXX XXXX, who has no power to actually resolve the matter. 

Around XXXX, XX/XX/2021 : I was informed by a member of the customer experience team at Ally that we will not be able to close on XX/XX/XXXX, because the ICD was not signed on XX/XX/XXXX. The same ICD I received at XXXX. 

Presently, XXXX, XX/XX/2021 : I am forced to sign the ICD to not delay closing any further than the extra day it's already been delayed to. 

It is clear to me ( and hopefully the CFPB as well ) from this chain of events that I have been forced by Ally into accepting an ICD that I do not approve of by misappropriating the 3-day TRID rule and pushing closing out. While pushing the closing date is a possible solution, the cost it incurs to Ally to push the closing date is insignificant compared to the cost to the consumer. 

Based on my interactions with Ally, it is apparent to me that the loan team has explicitly designed this experience to fail for the consumer.

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 2021-07-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is a complaint against JPMorgan Chase Auto as I have disputed their reporting of an old auto loan that has been paid off and their reporting on my Credit Reports. I've submitted disputes to JPMorgan Chase starting back on XX/XX/2021 and again on XX/XX/2021. They received my letters on XX/XX/2021 and also on XX/XX/2021 and they neglected to mark my Credit Reports with Disputed Comments. I've enclosed copies of the USPS Certified Letters, along with the confirmations that they received and signed for these letters. I've also attached copies of my Credit Reports from XX/XX/2021 ( well past the 30 days required by Federal Law and the FCRA ) showing they didn't mark my reports with the required " Disputed '' comments. In addition, the address they provide on the Credit Reports is not an accurate address as it is a forwarding address ( this information was provided to me over the phone, also on a recorded call ).

Per the FCRA and FEDERAL LAW, JPMorgan C
hase failed to mark my Credit Reports with the required Dispute remarks. By violating the FEDERAL LAW and the FCRA, it has interfered with my ability to obtain further credit. This is a violation of my rights as a consumer and must be removed from my Credit Reports. The Reports sho
w their lack of attention to my dispute and failure to follow the regulations of marking my Credit Reports with the appropriate dispute remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self lender wasn't able to remove the late payment to stop reporting to the credit bureaus. When I never got notify about a late payment. Not through phone number, email, or mail! I been with self for many years and I never missed a payment. This is affecting me to get a credit card or to even open a bank account! This is hurting me, for something I was never aware of! If you guys need any additional documents, I'll provide it .thank you for your time for reading this. As you see the screenshot below. Yesterday was the 1st time I got a notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

1. XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX Inquired on XX/XX/XXXX 6. XXXX  - XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE SENT EQUIFAX A LETTER REQUEST THE REMOVAL OF THESE INQUIRES AS THEY DID SO WITHOUT MY CONSENT. Pursuant to 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc.
State: NY

Complaint narrative:
I have affirmed as a matter of fact that a representative of Emergent Servicing attempted to collect a debt by dialing my number and spoke to me at a time that was inconvenient to me. On this recorded call the debt collector violated my consumer rights pursuant to the FDCPA codes listed here : 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692b ( 2 ) Emergent Servicing is in possession of my affirmation, Exhibits and an invoice as I continue to enforce my rights as a consumer.

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 2021-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have Been banking with chime for over a year. I opened A business and got approved for the PPP Loan For XXXX it was in my savings account About a month or 2 later They suddenly closed my account and asked for documentation for the funds which I provided they Still closed the account and wont refund The remaining XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB staff, Santander Bank ( US ) has blocked my checking account for months ( from XX/XX/2021 till now ).

I have called in their customer service, branch and fraud team many times over the past two months. Every time the fraud team says they will send an email to a specific analyst to look at the issue. However, this mysterious " analyst '' never replies the email or provides any solutions. More horrendously, this person, who supposed to resolve the issue, has always been off-work or out of office, when I request to be direct to him/her ( my calls are during regular working hours ).

I've offered to provide any info that is requested for solving the issue. Nevertheless, the bank 's fraud team is always referring to this obscure email object, and their attitude is sometimes borderline insulting. The internal controls in the bank are apparently very ineffective.

I've also requested to speak with a supervisor or a manager that can escalate the issue, but I was told there is no supervisor for this analyst. If he/she doesn't reply the email, the account will be blocked forever. 

I'd greatly appreciate your help to facilitate a quick resolution of the matter. The pandemic has hit hard on me, and I need my money to pay utilities and mortgages. Thank you!

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 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I established a payment plan with Phoenix Financial Services for a debt that was owed to XXXX XXXX XXXX. My payments were set up to automatically withdraw from my checking account on the XXXX day of each month for 12 months. On XX/XX/XXXX, I received 2 calls from Phoenix Financial. I called them back and spoke with XXXX XXXX who asked me if I wanted to take care of my balance. I explained to her that I had set up a payment plan and she asks me if I want to set up a payment plan with her. I told her no I already had a payment plan set up. My first payment was taken out XXXX and I received a call from Phoenix Financial on XXXX and two additional calls XXXX. When I called back, I was transferred to XXXX XXXX who asked me if I wanted to set up a payment plan again and proceeds to ask me if I can pay the full balance. Why is this rep calling and asking me for the full balance when I have already set up a payment plan and you all have already taken a payment out of my account? And why does she keep asking me to set a payment plan up with her when I already have a payment plan established. You all need to stop calling me. At this point you are harassing me and it is unacceptable. I have set the payment plan up for what I can afford each month. I can not pay more than that. Please stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CA

Complaint narrative:
EQUIFAX IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE XXXX XXXX ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX  told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
XXXX  IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE HARLEY DAVIDSON ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I paid a balance of XXXX to XXXX Synchrony Bank. This was before the due date of XX/XX/XXXX. I checked my credit report and my score was brought down by 12-14 points for a balance that I had paid in full before the due date. I received emails from XXXX saying that my payment had been returned, but yet my account shows that my balance has been paid in full. Other customers are encountering problems like this with XXXX synchrony Bank.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Not mine; FCRA violation

XXXX  Account No.
XXXX
Original Creditor
11 XXXX XXXX  Derogatory
Original Balance
XXXX
Balance
XXXX
Date Opened
XX/XX/XXXX

XXXX XXXX XXXX XXXX TX XXXX  
XXXX  XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
THIS DEBT WAS PAID IN FULL IN THE AMOUNT OF {$2500.00}, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capitol Systems keeps calling about a Debt. 
I do not owe them or any other debt that is not secured and current. XXXX XXXX XXXX

I have perfect Credit, yet this company keeps calling my Cell and wife 's Cell, both registered on the Do Not Call since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may  Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.

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