vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i fell behind on my payments due to some personal reasons and had loss my job due to illness and I recently got back on my feet but the late payments is hurting my history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and The CA EDD are currently in cohorts to not release any new UI to its citizens. The online CA EDD phone number has been de-activated this past week along with BofA taking no responsibility over their fine print stating they can process Emergency Funds from your UI prior to the card arriving. This is not the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED AMEX VIOLATIONS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NY

Complaint narrative:
THE DISPUTED INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THESE INACCURACIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XX/XX/ 2011 account was closed, reached out to capital one and was told their was nothing they could do because it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
There are specific requirements for disclosure according to the Truth In Lending Act. There are specific requirements for section headings that are not present in the mortgage form you use. The Partial Payment Policy was not disclosed in accordance with the Truth In Lending Act prior to consummation of the loan. In accordance with Truth In Lending Act, part 1026.31 ( c ) ( 1 ), the Partial Payment Policy is one of the disclosures that should happen three days prior to consummation of the contract. Periodic mortgage statements do not meet compliance with the Partial Payment Policy since they are post consummation. Therefore, your Partial Payment Policy was not communicated to me, in the required format, three days prior to consummation of the contract and is not in compliance with the Truth In Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX   VIOLATIONS ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
LAW DOES NOT ALLOW TO TREATING SOMEONE TO SUE FOR DEBT OWED XXXX  VIOLATIONS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT XXXX is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and XXXX has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Transunion has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Transunion but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Transunion consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Transunion numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Transunion has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Transunion has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I AM A VICTIM OF THE XXXX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND XXXX WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} BANK OF AMERICA {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
XXXXMY LOAN CAREXXXX bought my mortgage loan from XXXX last year. Since XXXX I have been having problems with the new mortgage company. I have been making monthly payments and the mortgage company keeps saying they never received it. I called my personal bank and obtained proof that the money was in fact received by XXXX accordingly and they still stating they never did. Now they are charging me 4 months of payments and late fees. They have also reported me to credit bureau and has affected me tremendously. 

I have confirmation of each payment and proof from my bank. XXXX will not acknowledge my proofs. I don't know what else 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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I transferred money to a scam account without knowing it was fraud. Bank of America refuses to take action and take care of their customer. This is the third complaint i have made and they refuse to do their job and give me my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I fell on hardship and got behind on my payments but I got back on my feet and got caught up and I only need them to removed the LATE PAYMENTS ONLY and bring my account up to accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: PA

Complaint narrative:
Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
Please disregard the submission from XX/XX/2020 To Whom It May Concern : I have recently been informed that there is negative information reported by Professional Collection Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$55.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily with 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/XXXX, I took my XXXX XXXX car to XXXX XXXX XXXX for the repair on my air conditioning system. Once I got there I was assigned to XXXX XXXX and told him that my air conditioning was not functioning properly that it was blowing warm air. He told me that they would inspect the system for the trouble and sent me home with a valet. After two hours, Mr. XXXX sent another valet to pick me up and I met again with him. He explained to me the workmanship that they did on the air conditioning and showed me a bill of {$1700.00} for which I was astonished. Seeing this he discounted the bill to {$1500.00} which I signed believing that the work was done properly. 

After I drove the car for a little while, I noticed that it was still not functioning so on XX/XX/2019 I called XXXX with my concerns. I was told to come back on XX/XX/2019. They kept the car overnight to recheck the air and they discovered that there was a leak in the EVAPATOR that was not detected in their initial inspection. They told me if I wanted them to repair the EVAPATOR they would charge me another {$900.00} which I refused to pay. 

On XX/XX/2019 I sent a letter to my credit card company, XXXX Bank XXXX Cardmember Service disputing the charge of XXXX. After waiting two months for a response, XXXX Bank refused to honor my dispute and consequently as of this date I have no air. 
At the present time this matter is being litigated in the court including but not limited to the XXXX Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing this due to non-compliance with the KIMBALL TIREY & ST JOHN. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST.

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have or use an American Express bluebird card which is a prepaid credit/debit card to satisfy my banking needs. I previously had as of XXXX 2020 had my direct deposit from SSA and VA XXXX compensation which are {$1100.00} and {$140.00} monthly respectfully going into this account. Out of the blue on the evening of XXXX2020 I found out my account had been permanently suspended for a perceived miss use of my account ( later I found out it been suspended on XXXX2020 with no notice ). I still have no clue as to what happened. I only found this out from a email sent to me after I tried to access my account online. They have completely cut me off from my account and balance of approximately {$2600.00} and change. They have left me scrambling to change my direct deposits and pay my bills. I have tried and tried to reach there customer service with no success. I only have been given an address to P.O. box in Georgia to write my questions to. I have no idea what there plans are to do with my money. I have very little other resources, I don't believe they legally can freeze my money because of my sources of direct deposit. All this happening in the middle of a global pandemic. I'm really hoping my pending direct deposits will be able to be redirected in time. I just don't know what else to do. What a low blow!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
I XXXX XXXX is sending this letter in regards to a debt that have no clue of. I am sending this message due to the fact that i received threatening phone calls of my my bank account, money and more being seized. During the month of XXXX i've received more than 50 phone calls reading on my caller id Scam Likely and other fictious name and numbers that i've never ever seen. According to several FCRA laws, a debt collection agency must take the correct steps to attempt to collect a debt. You must prove that the debt is owed, provide original contracts with my wet signature on it. I am not asking for a copy of a statement nor am i asking for any copy of a contract but only an original contract. I am allowing 5 business days for this issue to be resolved. In your attempt to collect a debt that isn't owed and i have no clue of, you've violated several laws. You can contact me through my email and i waiting upon your reply. I am asking that you stop calling me and threatening me about garnishing wages, sending me to jail, sending letters to any address associated with my name. Do not force yourself or any of your employees on to property acting as if you're an officer. If this isn't resolve within 3-5 business days i am going to be contacting my lawyer and take the initial steps to ensure that your company pay the consequences for your actions. If you can't provide any original contract with my wet signature please do not contact me and remove my name from your directory permanently and immediately. If you attempt to try and repost it back onto my credit, i will sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Last year, XXXX, I became aware of a negative item from JPMCB Card Services appearing on my credit report with all three major credit reporting services. An account with JPMCB was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by JPMCB. I then wrote JPMCB on XX/XX/XXXX, requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from JPMCB dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing  my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company said the account is open but I have issues with another bank. I do not have any known issue with any banking institution as I am employed with a bank. I have not been able to receive any documentation to say why the account can not be funded ( yet it is open ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation