vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I made an online payment by error to a paid off loan with Dovenmuehle Mortgage that services XXXX XXXX XXXX   XXXX. This payment was supposed to go to XXXX who also services my current mortgage with XXXX XXXX XXXX  XXXX. I contacted Dovenmuehle on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018 XX/XX/2018, and up until today 's current date to recover my funds and they keep stating with no supporting evidence that they forwarded my payment to XXXX. XXXX can not locate the payment. The payment amount was {$2300.00}. I am currently suffering from financial hardship due to a XXXX and this missing payment is not only causing my family emotional distress but also contributing to pushing me into foreclosure due to missed payments. 

Please help. The following companies are parties to my complaint. 

XXXX XXXX ( originating bank in which my payment came from ) Dovenmuehle Mortgage ( previous loan servicer that received my  payment in error ) XXXX ( current mortgage company )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
On XX/XX/2018, I applied for an American Express Gold Card using a referral link that I had received. During the application process, it was stated I would receive XXXX points after spending XXXX in the first three months. It was also stated that I would receive 20 % cash back ( up to {$100.00} ) as a statement credit on dining purchases for the first 3 months. Upon, not seeing these bonuses come through, I contacted American Express. They stated I was ineligible due to previous history. I had not previously applied for this card, and met everything that they had outlined to receive the bonus. I also did not receive any message that i was ineligible when submitting my application for this card. The card carries a {$250.00} annual fee, which has also been paid. I feel that the company should pay the bonus that was offered. 

I opened a complaint on XX/XX/XXXX which they provided the response : " The terms of the promotion, which were provided during the application process, explain that the welcome bonus offer is not available to applicants who have or have had the product. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. In accordance with these terms we determined that, regrettably, you are not eligible for the welcome bonus. " As stated above, I have not previously had this card. I had also only had 3 American Express cards opened in the previous 2 years, so I do not feel that was excessive. When they state " as well as other factors in making a decision '', this language is vague and allows them to not provide a bonus in any scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX called about inquiries that were never authorized by me. Was told that they were matter of fact and the creditors had to remove them. Called creditors and was informed that the specific credit bureau would have to remove them. Submitted proper documentation that it was in fact not authorized by me to said bureau. 
XX/XX/XXXX called to follow up was told no record of reports and documentation was on file and that inquires was matter of fact by creditors and I wouldnt be able to be helped until I resubmit documentation.

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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX I opened an account with Chase Bank for Direct Deposit of employment. This account was always in good standing since the day it was open. As of XX/XX/XXXX my account was locked due to fraudulent activity that was not authorized by me. An amount over {$2000.00} was fraudulently transferred into my Checking Account at the time with Chase Bank. On the same day of this activity, I called Chase Bank and spoke with a Teller whom asked me a few questions about my account and why I had this amount in my account. The teller I spoke with gave me a hard time, but  eventually he helped me. After my account was closed, I received a statement in the mail from Chase Bank to make a payment of {$240.00} due to the fraudulent activity that was done on my checking account. When I called back to speak with Chase about why I was responsible for paying an amount of something that I was not at fault for, they simply told me that I should have not lost my card. In the year XXXX, I went to visit a Chase Bank and tried to open my account again, but due to it being closed they told me they would no longer do Business with me anymore. When asking why, they simply said they could not disclose that information. No one would help me to understand why I was responsible for paying {$240.00} and why I could no longer open an account with them. Years later after changing jobs in XXXX I tried again and they told me that same thing and even said the same over the phone. In XXXX I attempted to go into the Chase Bank Branch to get more information on how I could open an account with them again, and they said the same thing. They would not do Business with me anymore and they not disclose any information with me. As of now, I would like to open an account with chase but due to this hold on my credit or name for which I am not at fault for, I can not start the business that I would like to start as well as building my credit. I'm a XXXX  as well as an employee whom is looking to have her own Business, but I can not do this if Chase Bank is going to be in the background of my credit. Purchase a car, a house but I just would like to have this cleared off of my credit or is possible my name. My future is everything and if my credit is affected by this, what can I do? No one should have to ever go through this with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: MN

Complaint narrative:
I had HARD INQUIRIES on my credit report from SYNCB which isnt valid. Ive been given the run around in regards to getting these removed. No one has taken ownership! Someone has been trying to get credit in my name. I was told via research online that people are running Care Credit scams online via XXXX, XXXX, and XXXX. 

These are the dates that my credit was run for HARD INQUIRIES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named XXXX XXXX XXXX. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, XXXX XXXX XXXX. To date my letter has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.

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 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have received a letter from Capio partners today XX/XX/XXXX regarding a medical payment on XX/XX/XXXX for {$160.00}. 
I had paid all of my bills as soon as I received them. 
In addition, who remembers how much and how I paid a bill 4 year ago,?? when I never got notified of any past due bill???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan motor acceptance is reporting twice on my credit report, they have already charged the account off and sold it to another company which is also reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase closed my credit card and bank account for no reason other than I had overdrafted for a few days, I told them I would be having a couple large deposits ( XXXX and XXXX ) dollars coming in within the week at most. Now I have no idea how I can get the money out of that account. All of the reps on the phone gave me different answers. My credit score is going to be hit hard on this as well. Bank account was closed on the XXXX, credit card was closed on the XXXX of XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2018 I received an email from my employer stating at letter that was received by their office on XX/XX/2018 claiming it was a second attempt to initiate a garnishment of my wages and if not done would sue the XXXX that I was employed by, after speaking with my HR department no first attempt was received by their office and they were garnishing 15 % of my disposable income each paycheck to avoid being sued, when I contacted XXXX XXXX and the number on the form they first tried to pass it off on someone else and then after 2 hours being transferred to 3 different people all of this while I was at my place of employment there was nothing to be done, except loose 5 payments to come out every other week of 15 % with them  then submitting a signed document which I have still to this day not received have called with no answer to how to have this corrected, I am a single mom that depends completely on my income as well as XXXX children who depend on this income, one of  which is on long term medication and has multiple medical conditions that can cost me a lot of money. I am willing to pay but would like to be discussed and a plan set up not threaten my employer and send a notification like the one they sent that has no balance of owed amount of any alternative to pay, my HR person stated this letter looked very different from others that their office had received for other employees. My concern is when I try to track this said information about my loans and where they are housed to set up arrangements nothing is to be found at the XXXXXXXX XXXX XXXX or NAVIENT! Please I need help in getting this taken care of immediately

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 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a letter from Specialized Loan Servicing LLC ( SLS ) confirming that " lender-placed insurance '' is not being renewed due to my negligence of not securing insurance coverage on my property. Please review attachment of the letter from SLS. In response to the letter from SLS, I never authorized SLS to place insurance on my property. Since XXXX, I have been trying to secure my own coverage and when I attempted to place insurance on my property, SLS refused to remove their lender forced policy coverage. As confirmation, SLS currently have a Class Action Lawsuit pending ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX ) for their lender placed insurance.I confirm that I am a claimant in the Class action against SLS. Based on the attachment letter from SLS, SLS & XXXX XXXX  was never my mortgagee, because I never executed documents with SLS, SLS never established a chain of title or custody from the original lender, and XXXX XXXX  confirmed that they do not have any affiliation with SLS in anyway as well per XXXX ( SLS ID # XXXX Dated : XX/XX/XXXX | Time:XXXX | stated " SLS has no information referencing the original lender nor payment history. However the " loan '' came from XXXX XXXX XXXX XXXX '' who confirm the same ( no chain of title or payment history from its originator XXXX 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 2019-01-09 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over two months ago, I submitted an investigation request to Trans Union. They were supposed to respond within 30 days, but they have not.

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 2019-01-09 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: Alpha Recovery Corp
State: CA

Complaint narrative:
I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion, XXXX, and XXXX are reporting incorrect addresses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by Federal Law to verify, through the physical verification of the original signed consumer contract, any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I recently discovered an erroneous collection account on my credit file from a collection agency named Commonwealth Financial Services. I have no knowledge of this debt. I have no idea what this is, nor what they claim I owe the money for. I have sent the 3 Credit Bureaus validation letters, two times. Both letters requested verifiable PROOF of this alleged debt. Both letters merely claimed the debt was verified but I received no verifiable PROOF from any of the 3 bureaus that this was my debt. A clear violation of the FCRA. Approximately 30 days ago I sent a letter asking for valid proof to the reporting collection company, Commonwealth Financial Services. To date my letter  has been ignored and their fraudulent collection practices continue, also a clear violation of the FCRA. 

The failure to comply and positively verify this account has violated my consumer and civil rights and has damaged my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, the account must be removed immediately. My demand is the immediate and permanent removal of these erroneous accounts from all three credit bureaus. If this is not accomplished immediately, I am prepared to protect my legal rights under the Fair Credit Reporting Act by retaining a consumer protection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent an investigation request to Experian over two months ago. They were supposed to respond within 30 days, but they have not.

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