vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I'm filing this complaint against Midland Credit Management as they've failed to provide debt validation on two occasions. This is my third ( XXXX ) attempt to have them honor my right as a consumer pursuant to 15 USC 1692G and provide to me in writing the information that they're furnishing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit and noticed that there are account ( s ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXXXXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I never opened an account with this creditor. Nor have they supplied me with proof that i opened the loan. i've sent them an FTC and police report and both have been rejected, why? i have no idea. i sent everything i was supposed to submit still no answer. 
The account opened was opened due to identity theft. I've also sent the company a FTC report along with a police report but they still have yet to block the information off of my credit file and report.Now i have filed a federal complaint and this account is now in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The following is a recapitulation of the events beginning XX/XX/2022 with reference to the fraudulent checks processed through Chase Bank. 
XX/XX/XXXX - Four checks were processed and immediately recognized as checks we had not produced. 
The check numbers were numbers we have never ordered and the style of the check while similar was slightly different in format. The amounts written out were in all capital letters which we never use and when viewing these checks we saw the payees were not our employees or vendors. 
We immediately contacted our personal banker at our branch bank in XXXX XXXX, Florida and followed every instruction and procedure given to us. 
XX/XX/XXXX - 10 more checks were paid and again we notified the branch. 
XX/XX/XXXX thru XX/XX/XXXX - 18 more checks were cashed and withdrawn from our account. At this point the fraud totaled {$32000.00}. 
XX/XX/XXXX and XXXX - Five of the checks processed in XXXX were redeposited into our account and we thought this nightmare was coming to an end. 
XX/XX/XXXX we, as told by your staff, submitted the Unauthorized Signature or Forged Item Declaration with the dates and amounts of the first {>= $1,000,000} and assumed that from that point forward all the funds wrongly taken would be replaced and the travesty would stop. However : XXXX continued to be a fluctuation between checks being paid to the criminals and funds being returned to our account but the net effect was that we were still short {$33000.00}. Not an appreciable net gain. 
XX/XX/XXXX - All funds except the first {$16000.00} from XXXX had been returned. BUT On XX/XX/XXXX through XX/XX/XXXX the funds that had been given back to our account were taken from us AGAIN. 
The total amount we are expecting to be returned to us is {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Sierra Credit Corp
State: CA

Complaint narrative:
THIS COMPANY VIOLATED MY RIGHTS AND THE TRUTH OF LENDING ACT THE 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title ACCORDING TO MY CONTRACT THE FINACE CHARGE IS THE SUM OF ALL CHARGES WHICH IS XXXX THIS COMPANY DECIDED TO CHARGE ME A TOTAL OF XXXX I HAVE PICS FOR PROOF THATS A XXXX DOLLAR DIFFERENCE ON TOP THAT THE DEALER TOOK MY XXXX DOLLAR CASH DOWNPAYMENT AND INCLUDED IT IN THE TOTAL SALE PRICE WHICH IS A VIOLATION OF 15 U.S. Code 1692e - False or misleading representations AND A VIOLATION OF 15 USC 1692J Furnishing certain deceptive forms ALSO THE DEALER DID NOT DISCLOSE THE SECURITY INTEREST IN SMALL WRITING, Vehicle Code Section 11713.18 11713.21 was violated as well

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX Fay Serving sent us paperwork to fill out for a deferment, which we did. 
The paperwork was mailed back, & we received a letter and a phone call we were approved for a loan modification the first week of XXXX. Our account never got updated for the deferment. Many e-mails/phone calls were made which they never returned. We had included a voided check to start taking money out of our bank account monthly & they never did. We started receiving past due notices in XXXX along with a letter that had new paperwork to fill out which was the same as the previous one. We sent them new paperwork even though they received the first set, and after several phone calls with messages & emails they didn't respond back. On XXXX first we sent once again a voided check along with our bank information for automatic payments with a copy of our paperwork which once again they never started taking out payments. Our account manager never returned our calls or e-mails. Going through the customer service line was the only was to talk to someone which they said they would forward to our account manager & said the paperwork must be in the mailroom & still no responses. The same thing happened in XX/XX/XXXX. We received new deferment paper for XX/XX/XXXX. Now due to no payment history we can't get a loan with a new company. We have attached a summery of events and paperwork copies. We have never had a company like Fay Serving that doesn't return phone calls & emails, as well as not moving forward with signed documents and voided checks that were submitted to monthly autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Name of Company : XXXX XXXX XXXX {$25000.00} to include XXXX shipping. 
Start shipping XX/XX/XXXX & was to arrive on XX/XX/XXXX. The car Did Not Arrive Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX Wire Transfer from XXXX XXXX  XXXX XXXX Mo made from a XXXX acct on XX/XX/XXXX to JP Morgan Chase Bank. The address of the bank it went to was XXXX XXXX XXXX XXXX GA XXXX, Acct number is XXXX Routing number is XXXX, Wire Reference # XXXX. The reference number for the transaction is XXXX Explanation of incident : I found a XXXX  XXXX XXXX XXXX XXXX on a website. They claim to be a repo broker service for vehicles. They only handled the paperwork for the banks and businesses that had repo accounts on the vehicles. I ask to visit so I could take a look and I was told they were the 3rd party therefore did not have any vehicles to show they ship directly from owner lots. They told me the car title would come after the 14 days waiting period after I received it and I wanted to keep it. They claimed to give the buyer up to a 14-day try-out period and If I did not want it I could ship it back without a fee. If I did not want the car a refund would be sent back up to 3 days when the car returned to the owner 's lot. 
The day came and went with no delivery I took a day off of work to be there when it was to arrive on XX/XX/XXXX at XXXX XXXX. I started trying to get ahold of someone at the previous contacts numbers and emails but I did not receive any response or explanation. 

It was such a disappointment to realize it was not going to be arriving I am out of my money due to this scam. I would appreciate whatever you can do to remedy this so someone else won't suffer the same consqences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After attempting a legitimate XXXX transaction, my account portal was locked. I first attempted to contact Chase via phone on XX/XX/22 but it was after-hours. I then reached out to their XXXX support, XXXX XXXX, on XX/XX/22, and was asked to call the same support number XXXX as they could not unlock my account. I called that same day and was placed on an extended hold, after which time I had to give up. I attempted again on XX/XX/22, this time selecting the option for a call back. I received a call back after about 30 minutes. The representative took my info and transferred me to dead air. I then reached out to XXXX  support again. They again advised me that they could do nothing. I called again, this time waiting on hold. I was able to get through in a " quick '' ~20 minutes this time. The rep took my info, said that they were going to put me on hold to " perform actions on my account '' and to please stay connected. They then hung up on me. I have never experienced customer service like this. I am at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Re : USAA XXXX XXXX XXXX XXXX Credit Card XXXX The reason for my complaint is that i asked for an account Review and a adjustment on my credit report of a late payment dated XX/XX/2021. 
If you review my account carefully, along with any customer service notes/interactions ; I had called and asked for a payoff amount on my credit card ending XXXX before I headed out for XXXX. The same day I proceeded to pay off my balance as provided on the website, automatic system and confirmed by a live rep. A few weeks after, I got a notice that I was delinquent on my account by about {$1.00} and it was reported to the credit bureau as not paying my account. As soon as I was aware of this, I proceeded to payoff the balance that I was not aware of, and as you may know, acces to emails or communication during XXXX is very limited depending on the location, which made this more unfortunate for me. I contacted customer service as soon as it was possible for me, and unfortunately the representative was not understanding of my situation and was unable to provide any help or solutions, moreover I was treated like any other person who has been irresponsible with payments. 
I am humbly requested that my account is reviewed and the late payment be reversed and reported to the credit bureaus. 

Usaa reached out and all they kept saying is that the charge is correct, which indeed I have no arguments against. I informed USAA that the representative provided incorrect information about my pay off right before my XXXX, and I proceeded to pay off what I was advised to close out the balance on the account. The representative provided erroneous information which caused a negative remark on my credit report due to USAA negligence. USAA DOES NOT WORK ON THE WELFARE OF THE SERVICE MEMBERS, they utilize predatory practices that affect consumers, specifically XXXX XXXX military. 
See attached statements showing amount due and pay off amounts being equal. 

XXXX XXXX. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX,2012. Each Credit Bureau XXXX, XXXX and TransUnion have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau XXXX, Equifax and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Student Loan have been TOTALLY DISCHARGED DISABILITY on XXXX XXXX. Each Credit Bureau Experian, XXXX and XXXX have REPEATEDLY ADDED TO MY CONSUMER REPORT. 

This is INTENTIONALLY ABUSE, ANGUISH, HARASSMENT, AND FRAUDULENT ACTIVITY. Induced damage and low Credit Score and denied credit for my BUSINESS AND PERSONAL.

15 U.S. CODE 1692k a ( 2 ) 616. 15 U.S. CODE 1681n ( b ) I have tried to resolve this issue with them on numerous occasions.

NOT CLOSED DELETED!

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 2022-03-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
We need to reopen Complaint ID XXXX that was prematurely closed in error. I received a written statement from Equifax that contradicts their response to the stated Complaint. We have never received an explanation of the debt claims and the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, 2022 I logged into my Bloomingdales account online and it said there is an issue with my account and for me to call. I called the number displayed and all I get is a bunch of run around. They keep playing we will send you letter with a code in it game. Now i am not going to keep playing these childish games of account holds without explanation and then want to send letters with codes. Im not going through this everytime something arises with this company. My phone number of XXXX is on the account and I own the phone number through XXXX as I have the last 17 years now. I am self employed as well so the number may appear publicly as The XXXX XXXX XXXX or XXXX XXXX XXXX. The number is mine and this letter game stops now. I have attached my phone bill to show proof that this number is mine and to knock the nonsense off. Further denial to my account when i call in or asking for letters with codes will result in legal action. This has gone far enough. I have had to provide codes from letters almost 3 seperate occasions now. If the phone number on my account is the number im calling from, then use it and stop playing games. I was out of town that weekend of XX/XX/XXXX22 and if I didnt have other credit cards to use then i would have been XXXX because this company doesnt care. I tried explaining this to the rep and she didnt care to hear. Most credit card companies resolve any issue right there and then on the phone and not hindering a consumer from using thier card. This is a complete disgrace and they need to come up with a better procedure then this.

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 2022-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Please remove these accounts from my 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 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received and email asking for the amount of {$150000.00} to finalize the down payment of my house. That same day into Wells Fargo wanting to make a wire transfer to XXXX XXXX XXXX On XX/XX/XXXX my real estate agent XXXX XXXX called me to tell me that that escrow has not received my payment. That same day I let Wells Fargo told me that there had been fraud on my account. They told me the money would be returned in 10-12 day. After that they told me that there would be an investigation the manager XXXX XXXX told me she would be in charge of the investigation but never heard anything back from XXXX where the bank was sent.

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 monetary relief
Consumer complaint received 2022-03-14 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have filed many disputes and have made many calls to them and asked for them to please delete this account off my credit and it has not been done so first they have been reporting illegal reporting stating my delinquency accounts this account is closed and paid off since 2020, and its adding negative remarks I have called and called and sent multiple letters no issue has been resolved instead they just add more remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
there are various mistakes on my reports detailed in a letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
The account for {$610.00} should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
My loan was being serviced by Suntrust, who was bought out by Truist Financial. Since the merger, I have not been able to get in touch with anyone at Truist Financial to service my loan. I have decided to refinance my vehicle with a local credit union and they have tasked me with obtaining the loan buyout documents from Truist, but I can not get a hold of anyone at the bank. I've tried waiting for hours and hours on hold, but no one has ever answered their number. There has never been a time I have called when the hold queue has stated anything else than " more than 60 minutes '', and I have tried looking up employees of the company and emailing them, but have not been able to get any responses. I can not service my account at all with this institution and no longer want them to service my account. Due to this, I am being forced to bank with Truist against my will, and would please like any help I can get. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation