vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, JPMCB AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: U.S. BANCORP
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-14 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2017 LVNV FUNDING LLC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold and I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVNV FUNDING has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made two mobile deposits to my checking account with Chase Bank from third party checks. I have never had any issues with Chase clearing third party checks on my account. They have done so several times with no apparent issue. In fact, they cleared one check from a third party of the same name, the same day, and then placed a hold on the second check deposited the same day and from the same third party. They then closed my checking account and failed to send any info regarding the remaining balance on the account. They have told me on the phone that the funds are available, but will not release the funds. Im having a hard time understanding how they could release funds for one check from a third party ... but not the other. Their policy or procedures regarding third party checks are hard to understand and confusing. Again, I had no reason to believe that there would be any problem depositing a third party check. Based on previous experience, they have never treated a deposit this way before. If I had any reason to think that depositing a third party check would result in the closure of my account and hold on the funds deposited, I would have never attempted to deposit the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I XXXX XXXX entered a consumer credit transaction with SALLIE MAE. I never gave this company permission to send me a bill or state that I owe any amount. At some point SALLIE MAE gave my information to NAVIENT/ DEPARTMENT OF EDUCATION which was a violation of my right to privacy as a consumer. Pursuant to 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt but, now I have been receiving bills monthly stating that I owe on these alleged debts. I know that no loan was actually given because no bank can legally loan any money and they can not originate credit, just extend our own credit back to us. In all the bills sent to me and supposedly contracts their are several TRUTH IN LENDING violations, as well as FDCPA violation which have been marked on the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC.
State: AZ

Complaint narrative:
AmeriFirst finical XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX To whom it may concern, I am writing this letter as a formal demand for reimbursement of my losses due to poor management of our transaction due to the following reasons our transaction did not close nor did it get handled appropriately Lack of communication After sever emails calls and attempts by my realtor it took him calling another branch to get a response We have several reviews of your company that say the exact same thing Refused to answer simple questions in regards to the transaction Failure to properly timely process paperwork and a response. 
Paperwork was not done in a timely matter causing the transaction to go past the close of escrow date still with no response After many attempts by my Realtor to contact XXXX XXXX and ask when the file should go to underwriting or quality control, we never got a response until after scheduled close of escrow date These are just a few reasons this transaction was poorly managed and why the transaction failed to close or failed to give us proper notice it would not close. I had moved into an apartment from the understanding that your employee would do her job. I waited until after inspection and appraisal my Realtor had contacted XXXX XXXX and asked if she sees any issues with the file and she assured him she does not My expenses are as followed Moving company- {$3500.00} Apartment - {$3200.00} Mortgage payment- {$1400.00} Misc. ( late fees, Interest, additional expenses ) - {$3500.00} In the event you need a breakdown or proof of fees I will be glad to provide Please send the Check or response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZXXXX  Due to the poor management of your buyers file it has put my family into a finical hardship. If this is not handled appropriately and timely I will file a formal complaint with the NMLS and state. As well as a claim suit Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After an unauthorized deduction from my bank account, I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I received letters from The law offices of XXXX, XXXX XXXX XXXX attempting to collect an amount they claimed was due to Bank of America by me. A dispute letter was sent to both the law firm and Bank of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the unauthorized fraudulent charges. I never received a response or any of the documentation validating the charges and proving my liability for the amount they claimed I owed. Now Im being sued with this law office paying the attorneys for the plaintiff Bank of America.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2020, I applied for forbearance online, I did it again in XXXX, they stated they did not see it on their end. I had to fight to do it over the phone in XXXX. My house sold in XXXX. I was told it would back date since I was having issues applying online and that it wouldnt be recorded on my credit. I am now going through a divorce and trying to buy a house for myself and my kids. They have reported it to my credit. I have spoke with multiple people multiple times who have said it will be adjusted. I stated I needed a letter saying so. They have yet to send one to me. It has been 3 weeks and I have called everyday, some days multiple phone calls. I am going to lose the house. I was told in the beginning to file for forbearance and it has done nothing but prevent me from having a home for my children. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/2020 my Citi bank mastercard number was used by an unknown person for a purchase of {$3000.00}. I reported the fraudulent charge to Citi bank and was credited by Citi bank for the full amount. Apparently the company that accepted the fraudulent charge issued a credit to Citi bank of {$2900.00} for this same transaction. Citi then charged my account this same amount {$2900.00} on my XXXX statement but never applied the merchant credit to cancel it out. They are now claiming that I owe {$2900.00}. I have called at least 10 times and have been told numerous times that it will be taken care of. It has not. Citi bank is now calling me and saying that my account is past due. They have charged me interest and late fees and it is affecting my credit score, which has never had a late fee reported. I don't want to pay for a fee I had nothing to do with, but I am concerned about my credit score. I would appreciate your help in the 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 monetary relief
Consumer complaint received 2020-12-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank has not updated my account as a {$0.00} balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that Capitol One gave us. After checking my credit report, I see that Capital One has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. Capital One never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach Capital One repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from 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 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in my TransUnion file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXXXXXX. They have not provided 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 I have also mailed them and that they 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. 

If the company Failure to respond satisfactorily within 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 My contact information is as follows : XXXX XXXX  P.S. Please be aware that depending 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 : Attorney General 's Office Cc : 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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: TX

Complaint narrative:
I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/2020 an account opened from XXXX  XXXX  XXXX  with an original creditor as GMAC on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance

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