vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a car from XXXX XXXX of XXXX on XX/XX/XXXX. 
The vehicle was financed through Chase Auto Finance for {$37000.00}. 
An online account was set up to make payments, with chase account ending in XXXX, and we made our first payment before the first due date ( XX/XX/XXXX ). 

On XX/XX/XXXX, I received a credit alert email, saying that a new account had been created using our social security numbers and my credit has changed. 
Chase Bank somehow created a duplicate loan/account of the exact same amount, and the account ends in XXXX. 
I have called both Chase Auto Finance and the XXXX Dealership and both pin the blame for the duplicate loan on each other and aare not offering any solutions. 

This duplicate account negatively affected our credit scores greatly, and it shows that we are late in payment, which is not true because the payment on the real loan was actually made. This is very bothersome and negatively effects my " 100 % on time '' payments. 

Isn't it illegal for Chase and/or XXXX to create a new loan/account in our name without our knowledge or approval? 
Would it also be illegal that Chase and/or XXXX used our social security numbers to negatively effect credit scores without our knowledge or approval? 

Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Harvard Collection added two files to my credit report. I have disputed this in XX/XX/XXXX and again in XX/XX/XXXX with the aforementioned credit bureaus due to the fact I have never signed a contact or have an account with Harvard Collection. To no avail they did nothing. In XX/XX/XXXX I sent a letter asking the company to verify and validate said files. Attached is the letter that was sent. No contract bearing my signature was sent which was stated in the letter that was sent. It is illegal to have this on my credit report and I dont have a contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Upon receiving an updated copy of my Credit Report ( CR ) on XX/XX/XXXX, i noticed a negative item Public Record being report by all 3 Credit Bureaus ( CBs ) including : ( XXXX, Experian and XXXX  ). I wrote the Courthouse about the item being reported on XX/XX/XXXX respectfully requesting their reporting procedures to the CBs pertaining to said item Public Record under my name and SSN. On XX/XX/XXXX i received a letter in response to my inquiry from the Courthouse stating how they do not ever report any such information directly to any of the CBs including : ( XXXX, Experian and XXXX ). XX/XX/XXXX i began the dispute process sending letters to all the CBs reporting this item Public Record on my CR under my name and SSN. I requested proper and accurate verification as to what they are reporting regarding this matter, and if no information was provided to be true within 30days or resolved properly I politely requested to have this item Public Record removed from my CR permanently also on this date XX/XX/XXXX i placed a security freeze on my personal consumer profile held by XXXX XXXX and XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX regarding the Public Record item and their investigation results and in response to my dispute DELETED item from my credit report held by XXXX  XXXX. Now XX/XX/XXXX Experian responded with a letter claiming to have just UPDATED the item Public Record no change to report filing, including no verification letter from any source proving item Public Record being reported as to its correctness and accuracy. Today being XX/XX/XXXX I have yet to hear from XXXX regarding my dispute, its been over the 30 day timetable and newest CR does not show item Public Record in dispute listed. I have proof of signature for original dispute letter sent XX/XX/XXXX through certified mail receipt. I am hoping your involvement will help resolve this matter finally. Not knowing about this negative information for over 1yr has caused a very severe effect on my credit standing and ability to secure & qualify for a VA home loan. Thank you for your time and attention to my situation, sincerely a very hopeful future home owner.

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 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reported an inaccurate debt collection for investigation to Transunion on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position 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 2018-05-26 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: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Bank blocks access to my account from financial apps and websites that I use to manage my finances and also does not allow me to connect my other bank accounts without using CapitalOne 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX had XXXX XXXX and XXXX XXXX XXXX do an illegal FORCLOSURES with so asset back pass through certificate. Pooling. I recently learned my mortgage paid for these without my knowledge OR permission how do I collect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
A while back US Bank offered me and extra account for overdraft protection. They told me it would cover my overdraft fees, which they never explained to me it was for under a certain amount, and caused me to owe them. So then I decided to close the extra line/account. I also asked them to not let any transactions go through if I did not have any money. The app is inaccurate and they charged me an overdraft fee and still let me keep making transactions and charged more overdraft fees on top. They refunded me the initial fee but due to that fee I was charged three other fees.

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 2018-05-27 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I asked Southern Management Systems to validate a debt I supposedly owe them, but they did not properly validate the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As part of validating this debt, I asked for an agreement with your client that grants you the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor, any insurance claims been made by any creditor regarding this account, any Judgments obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt became payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, commission for debt collector if collection efforts are successful. Southern Management Systems failed to provide me with these documents along with an agreement with my signature stating that I agree to pay them any money. Also, the letter I was sent has two different names and an unknown address on it making this debt invalidated and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
EXETER Finance Did An ILLEAGAL REPO in my car with no notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank is purposely making enrolling in auto pay very difficult resulting in late fees. Us Bank 's website is also misleading and causes storing of my checking account to delete its self further creating difficulty making on time payments.

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 2018-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
On or about XX/XX/2014 and Account was established or billed to me without my prior knowledge or consent. In addition, Access Credit Management who currently owns the debt has failed to provide any original application or documentation as per the Fair Debt Collection Practice Act, section 809. Also, the statue of limitations in the state of Arkansas for medical bills or debts is for 3 years, for contracts not in writing ( A.C.A. 16-56-105 ). 2 years from the date the service ( s ) was rendered for from the date in which the most partial payment was made ( A.C.A. 16-56-106. The time frame for both statues have been exceeded and puts Access Credit Management in Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NJ

Complaint narrative:
I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX,  Transunion, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to 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 2018-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
American Home Mortgage was the original company on file in the courts. There was a Bankruptcy Chapter XXXX filed by an Bankruptcy Lawyer on XX/XX/XXXX which included the home to be surrendered. The Chapter XXXX was discharged. Then to followup the Bankruptcy Lawyer filed Chapter XXXX on XX/XX/XXXX which again included the home to be surrendered. The Chapter XXXX was completed XX/XX/XXXX. During the 7 years of bankruptcy Ocwen Loan Servicing has been sending me mortgage statements. I kept asking them why they are not foreclosing on the home because no one was living there and we had surrendered the home in all of the court documents! 
Now after multiple phone calls from them they are telling me they have reinstated the loan XX/XX/XXXX ( to which the Bankruptcy Lawyer said they can't do that because the courts relieved me of the note/mortgage ) now my credit score is being attacked by over 180 day late reporting and on XX/XX/XXXX they reported a Deed in Lieu/Bank liquidation on the credit reporting and sent me XX/XX/XXXX a Notice of Default and election to sell under Deed of Trust. All of this should have been done  after 3 years into the bankruptcy now it is over 7 years and they are now going thru the process and reporting it all on my credit! 
What can I do about the reporting and getting it off my credit report do to there negligents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I C System failed to provide any initial communication within 5 days of obtaining this debt that was originally was resold from another debt collector and is a violation of the Fair Debt Collection Practice Act, section 809. In addition I C System hasn't been able to provide any original application or verification obligating me to the debt in question. I C System must cease and desist all collection efforts until the necessary documentation is produced, and immediately remove this account from all 3 consumer reporting agencies if unable to do so.

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On Several occasions I have submitted a dispute to all 3 Credit bureaus, XXXX, XXXX, and Equifax about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: GA

Complaint narrative:
On Several occasions I have submitted a dispute to all 3 Credit bureaus, Experian, XXXX, and XXXX about a debt of XXXX that's on my credit from a company named XXXX. I've asked for verification and all I keep receiving is a statement, nothing else. No signature, or SSN .I 'm pretty sure this is not enough evidence to prove this debt is mine.I have attached the statement that was sent to 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 2018-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, I tried to link my CapitalOne 360 account to another personal bank account I use and I received a message stating that XXXX  is blocking me from using external sites. I proceeded to call CapitalOne and they were unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted the bureau regarding a collection account that I do not believe I owe as it is from North Carolina at a time when my husband and I were in California. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.

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 2018-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello. I had a credit card debt with XXXX XXXX XXXX and they sold it to other collector. I contacted with that collecter and paid my debt. But It is still showing negative information on my credit report. Balance is {$0.00}. But it shows as bad debt. Can you please help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you 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 2018-05-27 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you 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