vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 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: Self Financial Inc.
State: NH

Complaint narrative:
Company reported inaccurate information multiple times I disputed the information multiple times on all 3 credit bureaus fixing it temporarily until they reported more inaccurate information the following month. My credit score dropped because of this. So I closed the account a month ago it showed as closed for the past month until today when it showed up as open again. I would like the company to stop reporting on my account because they have been closed I will take any action necessary to get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Reach out to Midland credit management about a report they put on my credit report ask them to send me a copy of the debt owed they said they dont have it I ask them to remove it from all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: MA

Complaint narrative:
I have XXXX and need to have my blood tested every six months this is a covered XXXX expense plus I have a supplement from XXXX XXXX that covers what XXXX does not cover the lab XXXX somehow didnt submit the proper information when billing XXXX I subsequently sent them all my information more than once. They then turned it over to a credit reporting bureau collection agency it was about two years after the blood sample was taken. 
I also wrote them to dispute this amount from the Credit collection company and they ignored my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I filed a dispute on XX/XX/21 about inaccurate information in my credit report. I have never done business with the company for the account in collections. I have no paperwork or documents because this isn't my account. I have never been contacted by a collections company either by phone or mail because this is not my debt. It was not brought to my attention until I applied for a home loan. I filed the dispute with Experian about the negative reporting by XXXX XXXX. This either has to be identity theft or the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I applied for loan for through credit karma and got a call from a representative claiming that the loan amount I applied for was accepted. And that his name was from XXXX XXXX. And I was approve for the amount of installment loan. And can have it available in the next business day. This sound right because I have used other loan companies and this is the steps that were used. He verified my bank account and rounting number. And then I got a email with a update account notices I tried to discuss with them that I didnt and email with the repayment plain. And he placed me on hold. I started to receive notifications of a claim being on my account. For incorrect amount of A little after that I received a XXXX confirmation transfer for a person I dont know contacted Wells Fargo and explain the problem. That claim was made by me and was not need that was a pass rent payment. And the XXXX transfer is another fraud charge I had to have my account frozen and new open account open but wells Fargo still apply the same transfer to the new account. I everytime I block this company they will make a new number and call and text again.

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 2021-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) for {$28000.00} with an {$8000.00} down payment leaving a balance of {$20000.00} with first payment XX/XX/XXXX of {$210.00}, an amount that included # XXXX finance charge. At the time of purchase i made an additional payment of {$5000.00} lowering the total loan to {$15000.00}. I originally wanted to pay cash for the car but the Dealer encouraged me to finance as it would help my credit rating. 
The loan was financed by ALLY ( XXXX. BOX XXXX, XXXX, MN XXXX ) When I received the first statement I made an additional payment of {$5000.00} believing it would lower my liability. 
On the contrary, each month since I have received a bill for the same amount, {$210.00} indicating that the {$5000.00} did not lower my liability at all. They accepted the {$5000.00} payment yet continued to deduct the {$70.00} finance charge from that payment. See attached XX/XX/XXXX statement. 
I want my monthly {$70.00} payments to go toward the balance due at this 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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third complaint against Experian in the last year due to their inability to report correct nfo that have been properly VALIDATED AND VERIFIED as a legal debt. They continue to report debts that they have not verified. 

XXXX XXXX XXXX - {$1000.00} Has not peoperly validated nornverified this debt and I have repeatedly disputed it with experian and they continue to allow them to re report with WITHOUT PROPER VALIDATION OR VERIFICATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I mailed Equifax a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good Afternoon. I am reaching out because I would like to get my Capital One 360 account reopened. It was restricted back in 2017 and hasn't been reopened. I was accused of writing fraudulent checks and the rep stated that my handwriting matched something, which I know wasn't true because my signature changes so much. Not to mention that myself and my husband were victims of fraud. We do have police reports to prove this and this account fell victim to a lot of fraudulent activity. I would like to have this account reopened or a new one reopened. I would like someone to reach out to me to help me with this process or tell me what I need to do. I have since established an amazing relationship with Capital One and I would like to add on to it business wise and personal wise. I do have an amazing relationship with a local bank, but Capital One offers more flexibility. I see that there is a balance on there which I am willing to pay asap, but no one has ever told me what I needed to do or if it was even possible. I feel like the rep was close minded and didn't care that I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.

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 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase freedom canceled my card and with that I lost all my points XXXX or {$1300.00}. They say they sent me notice but I never received anything. I also think I had signed up for paperless so a letter from a credit card company would have gone unnoticed. I would like to collect my rewards. I didnt know a credit card company can just cancel a card? I never missed a payment and kept that card I care of emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: CT

Complaint narrative:
I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, we paid off our mortgage through a refinance. We did not have an escrow account for taxes and insurance, but during escrow, the payoff was overestimated, which resulted in an overpayment of {$3600.00}. This overpayment was deposited to an impound account. 

I already knew that there would be a large overpayment, I had been watching and waiting for the refund. I did receive a letter from the mortgage company stating that if there was an overpayment, they would be refunding it within their regulations and guidelines. 

By accident, I found a letter posted in my on-line account dated XX/XX/XXXX entitled Annual Escrow Account Disclosure Statement. {$3600.00} was deposited into the impound account. In addition, interest in the amount of {$4.00} was added for a total of {$3600.00}. In addition, there was a copy of a voided check in the amount of {$3600.00}. I assumed that I would receive this check within one to two weeks. 

On XX/XX/XXXX, I called the company. They verified that the check was cut and believed that it was mailed between XX/XX/XXXX and XX/XX/XXXX. They told me that it takes a long time to get the mail from XXXX XXXX to XXXX. I asked what are the steps if I don't receive it. They said that if I don't receive it, they would put a stop payment on it and reissue the check, but that I have to wait at least 30 days from when it was cut to request this. 

I find this situation unacceptable. There was never a late payment on this account, and the mortgage company 's loan has been more than satisfied. I think it's reasonable to wait 30 days to get a refund, but I do not believe it's reasonable to wait an additional 30 days or more to actually get the money. As long as I do not have the check, the mortgage company has the ability to have use of the money. I also think it's abnormal for even the US Post Office to take a month to deliver a check. I know that's never happened when I receive my bills. The company representative also told me that this happened to another customer and it took over 3 weeks for her to receive a refund. I am suspicious that the company may have a process to hold mail back to enhance their profit while continuing to date their letters and checks to look as though they're compliant with their regulations. The entire process from loan origination back in XXXX until this closing will keep us from ever pursuing a loan of any type with this company.

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 2021-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
ON XX/XX/XXXX MY SYNCHROBNY BANK MASTER CARD WOULD NOT WORK AT A SAMS GAS PUMP ... .THE CARD WAS LOCKED IN THE READER & A MESSAGE WAS DISPLAYED CHIP LOCKED ... .THUS I COULD NOT MAKE PURCHASE '' I WENT HOMEIMMEDIATELY STRESSING CARD HAD BEEN HACKED & CALLED SYNCHRONY BANK ( XXXX ) & WAS TOLD THEY CHANGED FROM CHIPTECHNOLOGY TO SWIPE & NEW CARD WITH SAME ACCOUNT NUMBER WAS MAILED & WOULD ARRIVE IN 7-10 BUSINESS DAYS. 

AS A DIRECT RESULT OF SYNCHRONY BANK TAKING THIS ACTION & NOT NOTIFYING ME OF CHANGE MY AUTO PAY COMPANY PAYMENTS STARTED BEING DECLINED GIVEN NEW EXPIRATION DATE ON NEW CARD WHICH THEY WOULD NOT GIVE ME OVER PHONE. 
FIRST, XXXX XXXX, AUTO & HOMEOWNER BILLS WERE REJECTED ... THAN XXXX ... 
THIS SITUATION REQUIRED ME TO CALL SYNCHRONY THREE TIMES, UNTIL SYNCHRONY BANK AGENT AGREED BY XX/XX/21 THE CARD MAILED ON XX/XX/21 WAS LOST. 
THEY THAN ISSUED A NEW CARD & PER MY REQUEST SENT IT XXXX XXXX TO ARRIVE THE MORNIG OF XX/XX/21. 

AFTER WAITING AT HOME THE ENTIRE DAY, THE CARD ARRIVED AT XXXX XXXX. 
I THEN HAD TO NOTIFY & SIGN INTO 8 DIFFERENT COMPANIES TO SUPPLY NEW CREDIT CARD NUMBER. 

NOW XXXX SENT ME A NOTIFICATION THAT MY CREDIT SCORE DROPPED 5 POINTS DUE TO LOST CREDIT CARD. 

I FEEL THIS COMPANY, SYNCHRONY BANK S PRACTICES PLACING A CREDIT CARD IN THE MAIL VERSUS XXXX OR XXXX XXXX IS NEGLIGENT. 
THEY CAUSED ME TO EXPEND AT LEAST 8 HOURS OF MY TIME FOLLOWING UP WITH THEM, CORRECTING THE CREDIT CARD NUMBER FOR MY USERS & OPENED ME UP TO FRAUD BY LOOSING THE CARD IN THE MAIL. 
NOT GIVING ME NOTICE OF THIS CHANGE WAS XXXX XXXX ON THEIR PART. 

IN SUMMARY, I SHOULD HAVE BEEN TOLD AHEAD OF TIME A NEW CARD WAS COMING & THEY SHOULD MAIL CREDIT CARDS BY XXXX XXXX  OR XXXX SO THEY CAN BE TRACKED. 
WE LIVE IN AN AGE WHERE FARUD IS VERY COMMON PLACE & THERE IS NO EXXUSE FOR SYNCHRONY BANK TO MAIL NEW CREDIT CARDS WITHOUT NOTICE VERSUS ADVISING THE USER & SENDING WITH TRACKING NUMBER

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 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XXXX, Chase has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking  account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize XXXX XXXX XXXX and found out I was a victim of fraud due to the fact my other account with XXXX had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with XXXX XXXX. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried XXXX XXXX and I was denied multiple times. After months of waiting, XXXX told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a XXXX XXXX account again and I was still denied to open a new account. I even tried to contact Chase 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian on numerous occasions. The dates are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an inaccuracy on my report. The account is XXXX account number : XXXX I have requested Experian remove this account for inaccuracies. I am requesting that Experian remove this account as soon as possible as it is inaccurate and causing me irreparable harm. I have asked Experian to have XXXX provide proof that this account actually belongs to me by furnishing documentation showing I was the one who opened this account. If they can not provide this then I am requesting this fraudulent account be removed. 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