vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I consumer XXXX XXXX have notified this law firm on that they are violating me by saying I owe a debt. They claim to have a judgment but the law 15 USC 1692g ( c ) clearly states the failure of a consumer to validate a debt may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Disputed to Midland Credit amount incorrect. I lost my job due to Covid-19, and credit card company didnt wan na help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/31 my phone was stolen. Using find my XXXX on my XXXX, I was able to track the location of my stolen phone. Local sheriffs office refused to accompany me to the location so I went myself. When I showed them my state police badge, they gave me the phone back. When I checked my bank account I noticed the person who stole my phone sent {$500.00} from my bank account via XXXX. Im assuming this is due to me not having any passcodes on my phone ( Because the face recognition does not work when wearing a mask ) So I submitted a fraud claim with my bank, Wells Fargo. Wells Fargo denied my claim, despite me not authorizing this transaction. I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX and received an automated acknowledgment email stating I would hear something back within 10 business days. I have heard nothing. I emailed again on XX/XX/XXXX. Again, nothing 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 2021-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to Experian informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.

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 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express closed my account when it shouldnt have been closed because this card was a consumer credit transaction and credit was extended to me through the use of my social security number ( which is a credit card pursuant to 15 usc 1602i ).

American Express has also violated several laws by using their name and logo on mail that they have sent me ( 15 usc 1692b ( 5 ) ), collecting cash as payment in a consumer credit transaction on an account that I disputed and has not returned the money back to me ( 15 usc 1692h ), threatening to report my account to the credit reporting agencies for non payment of cash ( 15 usc 1692d ( 1 ) ), claiming that I owe them money but sending a bill with a positive balance ( 15 usc 1692e ( 2 ) ( A ) ) .. If I owe them the balance shouldnt be positive and since this is a consumer credit transaction in where my social was used to extend credit to me, the transaction was already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is my 15th attempt and complaint against XXXX XXXX XXXX  and PHH Mortgage Servicers, whom refuses to correct my XXXX  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 2021-06-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was called from a XXXX  Police Station Phone Number, saying my SSN was compromised and I have a warrant on my head. They asked for money to clear my name and such and asked me to transfer saying they have police waiting to arrest me if I don't. 

They didn't ask my SSN but they asked other informations and such. 

My bank is Chase and .. i regrettably wire transferred money XXXX to their XXXX XXXX account. 

I called the police number without accepting the call from them first when they asked me for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I spoke to an agent today XX/XX/21 from the collection agency EOS CCA and disputed this invalid debt. XXXX and EOS CCA are threatening my credit in the amount of {$13000.00} which legally I do not owe because the package ls did not contain my items that I paid for. I am responsible to pay for items that I order and I must receive the items which were XXXX  to be delivered however my packages had paper inside them. Legally I am not responsible to pay for an item I did not receive. I paid {$13000.00} for XXXX XXXX  and my XXXX  were not delivered so XXXX did an investigation and confirmed that the phones were lost and and no usages were done on the phone from my account. The items were never received and XXXX sent me a legal document ( s ) that came from them with my refund slips. This is my legal document that XXXX has agreed to refund me in the amount of {$13000.00} which I will attach in my complaint towards XXXX and EOS CCA. If I order an XXXX I expect to receive my ordered items which in this case I did not. XXXX  refunded me and issued my refunds after the investigation which proved I did not receive the items because the items were never activated or used under my account. The phones I ordered in the amount of {$13000.00} were for my business and the phones never reached me. There was NO USAGE on those devices from my XXXX account and XXXX did confirm there was no usage on those devices and they issued me full refunds for those devices. I have legal proof I am not responsible to pay for this debt that XXXX and EOS CCA is holding me responsible for. Please see my attached legal documents that I was given from the merchant. CFPB please investigate both companies XXXX and EOS CCA for harassing me and trying to collect invalid debt from me and they are threatening to put this invalid debt on my credit unrightfully. Thank you CFPB for allowing me to explain. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Yesterday XX/XX/21 stating that our Escrow account was deficient in the amount of {$3200.00}. No one seems to be able to explain this shortfall to us. I have confirmed that our property taxes have not increased by more than {$350.00} dollars annually and our homeowners insurance has also not increased. When I spoke with the company " XXXX '' who services our loan from TIAA Bank, they stated that our property tax appears to have increased by about {$32.00} per month. I tried today to call TIAA bank as XXXX stated that they simply service our loan and these types of issues would need to be clarified by the bank. TIAA bank had answered my call and then placed me on hold for 2 hours 48 minutes before my call was disconnected. We have never missed a payment, they have never been a day late. We have auto payment setup to withdraw the funds on the 1st business day of the month. I need someone from TIAA bank to explain what happened and why this money is owed before we pay it. It just does not seem right that we can not get a satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I currently have a jumbo 30 year fixed mortgage with JP Morgan Chase. As part of CHase 's Home Lending Retention Program, where JP Morgan was evaluating my loan for a refinance, I was asked to pay a deposit/good faith funds of {$500.00} on XX/XX/XXXX. JP Morgan granted me an automatic rate cut, which ended the refinance process. However, they did not refund my {$500.00}. On XX/XX/XXXX, I received a check for {$500.00} and a letter notifying me that they did not return the funds appropriately. However, the check did not include any type of compensation for the fact that I could have used that {$500.00} during the year they held my funds ( or from the period they should have returned it to me to XX/XX/XXXX ) to earn interest in the stock market, CD, or other investment bearing asset. JP Morgan was earning interest on my funds, but did not return that in the refund check they issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
I applied for the loan on XX/XX/2021. To this day, XX/XX/2021, I have not received any definitive response to my application. Throughout these 5-months, numerous requests were made for additional information, even though that information was previously requested and provided. Every one of my requests for a date to conclude this process were met with reference to the " underwriters '' need for clarification and additional information. Last date for the settlement of his loan was XX/XX/2021, set by the Alliant representative. My inquiry on that day was rebuffed by the Loan Processor : " I am still waiting to hear back from the title company, I will be in touch as soon as I hear from them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

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 2021-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-06-09 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX and Equifax arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: MO

Complaint narrative:
The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. Experian and XXXX arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, 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 non-monetary relief
Consumer complaint received 2021-06-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had an American Express card account since 2009 XXXX 12 years XXXX. I have never paid late and every month I pay any balance on this card in full. I feel that I have been an exemplary customer to American Express. They had for many years restricted my account to only {$1000.00} and eventually increased it to {$2000.00} a number of years ago. I thought that {$2000.00} was the balance that I had on the card as I had not noticed any change to the account. I primarily use this card for my small health business and had been using it for all of my various bills such as VoIP phone, EHR, constant contact etc each month that required a credit card. I recently was in the process of trying to setup some other business offices in other states where I am licensed to practice and when I used the card to purchase the virtual address locations, they were declined. I had just paid my bill in full, the balance was only {$620.00} and I thought I still had {$1300.00} left on the card. I called American Express and the representative told me that last fall they decreased my account to {$1000.00}. I can't express the sadness that I felt and still feel that this company would hurt me and my small business like this! This was really such a very terrible thing to do to a long time customer that has never done anything to warrant taking away credit. I do carry high loans. I am a doctor in the health field and I have many education and health practice expenses some of which are related to expensive labs that are processing for patients. But my credit is good. The letter that I received today from American Express said that my FICO score is XXXX. Is there something wrong with that? I thought that was good. Like everyone, my small health business was greatly affected by the pandemic and I have been working as hard as I can to make a living and what American Express did to me is really so low and nasty. I did not deserve this! It makes me very angry! It is a terrible thing to do to people who have always paid their bills on time. What a terrible company.

Company response to consumer: Closed with explanation