vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing this complaint against XXXX on my own behalf, as a Natural Person and Federally Protected Consumer, without any connection or involvement with a third party. 

I sent a validation of debt letter as well as a cease and desist to Discover Financial Services which they received on XX/XX/2021. Their response failed to meet my demands. I requested if their information did not meet my demands, to remove the balance from the account. They have not done that. I have filed an identity theft report stating that they assumed my identity as the original creditor as defined per XXXX XXXX XXXX ( g ) I have attached several documents that show what I have done and their response, as well as the identity theft report. I have also attached my passport to show I am reporting this claim myself and not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX  Balance {$330.00} RECEIVABLE MGMT GROUP ( XXXX : XXXX XXXX OF XXXX XXXX ) ***** Opened XXXX. XXXXXXXX XXXX XXXX {$1200.00}

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 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/21 I executed an international wire transfer for {$18000.00} which debited my account on XX/XX/21. The wire did not go thru do to a recipient XXXX mismatch, & was held at the foreign bank. XXXX advised me to cancel the wire, which I did on XXXX. I instructed the XXXX bank to return the funds, which they did on XX/XX/21. The funds, however, were never credited back to my account. I reached out to XXXX in person at the branch, via correspondence using their secure messenging system, & made countless phone calls to their customer service department. Despite all of these efforts, XXXX has not even provided the status of the situation & I have no clue when & if I will get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX  and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX  did fraud with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information

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 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I, XXXX XXXX Consumer and Natural Person, extended my credit to BBVA USA. I have been made aware that BBVA USA committed multiple violations of Federal Consumer Protection Laws Violating my Federally protected consumer rights. BBVA USA has taken adverse action against me as a consumer, slandered my reputation and character, and had no authority or authorization to discontinue my credit. Pursuant to 5 USC 1691d.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: NY

Complaint narrative:
Company refused to send me a validation of debt XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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:
So on XX/XX/2021 XXXX XXXX transferred {$5000.00} out of my checking account would think of America it was an ACH transfer they said it would take 45 days it's been 45 days all I've been given his story after story that they've lost my claim that they found it that it's pending and I still have not received the funds back into my account I'm not received any letters there's been complaints on my account I'm not received any response to any complaints that the representatives have madeit just seems like they don't want to reimburse me my {$5000.00} and I am getting no help at all.

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 2021-11-17 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them, those negative items are still reporting on my end and it affects a lot on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge off XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: TX

Complaint narrative:
This company is reporting inquiries on my consumer report that I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
The company ( insert collection company ) purchased a debt from another company and i had no involvement in the transaction. According to 15 USC 3002 i am a natural person which means my name in all caps is not me. My name is ( insert your name ). Per 15 USC 1692a ( 1 ) The term bureau means bureau of consumer financial protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus. There is only one bureau and that is the Consumer financial protection bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I closed on my new house on XX/XX/XXXX with a first payment due on XX/XX/XXXX. 

I made the first payment to my original mortgage company, XXXXXXXX XXXX, on XX/XX/XXXX, 7 days early. The mortgage was then sold to Chase Bank effective XX/XX/XXXX. I immediately set up autopay with Chase for the future payments after seeing it attach to my existing Chase account.

Chase did not have the information about my first payment, and I received a statement saying that the payment was overdue. I spent an hour or two trying to reach a customer service agent who informed me that this happens when mortgages get transferred, and that it was likely nothing to worry about. He suggested calling the original company to verify that they had the payment and would be submitting it to Chase. I spent another hour confirming it.

The collection calls from Chase started the next day. After waiting on hold to talk to an agent, and then a supervisor, they just want me to disregard their phone calls saying my mortgage is overdue. XXXX XXXX, a supervisor for the collections desk, tells me that these collection calls are part of standard policy, even in my circumstance. I'm 100 % certain those calls and the notice they sent will be used as evidence if they try to foreclose - how can I possibly " disregard '' them? 

I have paid my mortgage, and they're harrassing me for a payment. I had nothing to do with them buying the loan from the original company. I had no say in whether the information transferred correctly. They've made it clear that they KNOW that this happens in error. Knowingly calling to collect a debt that is not owed, particularly when my home is at stake, is harassment at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Spselect Portfolio Servicing is refusing a payment from the Federal and Texas CARES act to bring my defaulted mortgage current. 

I have been working with XXXX since XX/XX/XXXX and their CARES Act program to bring my default mortgage to date. The money is there. SPS  says they don't like the legal language in the Mortgage XXXX. 

I have lived in this house since XXXX, am a widow and am raising a XXXX XXXX XXXX grandchild. XXXX.. .wiped me out. I have been XXXX XXXX for many years and was keeping my nose above water after my husband passed away in XXXX of XXXX. He left us penniless and with an IRS debt of over $ XXXX. The IRS doesn't care that he was sick and stupid even though through his entire life? He paid taxes like clockwork. 

I have applied, applied and applied with XXXX. who is managing XXXX Texas counties. I have been accepted.. .but SPS Servicing is throwing a XXXX  into the machinery of receiving federal funds to get me out of trouble and keep me and my grandchild in our home. 

SPServicing should be investigated. They promised me ( via phone ) that my forbearance payments would be tacked onto the end of my mortgage. I do not have that in writing... simply words from some clerk doing work from their home in the height of COVID. 

Then... they demanded a full payment.... I am legal now, waiting to be foreclosed on. I have tired everything in my power to get federal help under CARE and it looks like that was going to work until SPServicing 's legal department threw everything out and said they wouldn't sign FEDERAL documents. 

Is this fair? What am I supposed to do? 

The IRS has a lien against this property. 

I owe $ XXXX against a home in very poor repair. My upstairs XXXX XXXX is on the fritze. Parts are falling off the house. Many repairs are needed. 

But.. I live in Social Security and Child Support.. which I just started receiving two years ago. Had to take my son to court to receive child support. Have had his child since she was XXXX years old. She will be XXXX on the XXXX of XXXX. 

I am old. XXXX. I am lost. I am about to lose my house because I TRUSTED SPSERVICING. 

They are XXXX XXXX XXXX. Nothing they told me on the phone? Is truth. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX ) : Account number : XXXX date XX/XX/2021 Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

15 USC 1692a ( 4 ) - [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment.

Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove these inquiry as seen on my credit report.

see attached pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit agencies have been bullies to me long enough. Experian dispute report id # XXXX is reporting false information concerning XXXX XXXX act # XXXX They are reporting a high balance of {$3300.00}. I can not believe this defamation experience. Also the payment history is incorrect. 
Experian is also falsely reporting an account by XXXX XXXX XXXX, that has false payment history. That car was never suppose to be under my name, however my ex husbands son crashed it, my insurance paid fair market value and now there reporting a false payment history that is completely destroying my credit score. Please do something about this. They reported that I made payments to XXXX, I never made a payment to student loan XXXX in my life. It was taken over by fed loans who govern all of my student loans. Additionally, they are reporting a bankruptcy dated XX/XX/2020, Ive requested the removal of this account numerous times stating that it was dismissed because of the timing in which it was filed. They still would not remove this. Only you guys are able to help. Experian also reports a false address that I have requested more than two years to be removed under XXXX XXXX XXXXXXXX XXXX, IL. Experian and XXXX are reporting false information and I believe that this company is the only company that can make them do what they are suppose to do.

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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My personal information remains inaccurate on my credit file with Experian. I have requested several times for them to fix my address and social security number. However they refuse, they stated that they have the right to interpret the FCRA how they see fit and are not obligated to fix an inaccuracies even if the other agencies ( XXXX and XXXX ) have. I have signed return receipts for every time I submitted a dispute and Experian refuses to fix my file. I was even threatened by one of their supervisors XXXX whose in charge of the XXXX XXXX. At this point Experian is willfully ignoring my requests. I am distressed and anxious by this whole ordeal. I have been requesting my personal information be fixed since XXXX of 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 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is reporting inquiries on my consumer report that I did not authorized

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 2021-11-17 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: FL

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation