vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
They continue to call and send fraudulent notice. I have no legal binding contract with this company. They assume the debt is valid when i sent them 3 notice that debt is not valid. They are harassing me constantly and ignoring it Im my request. They stole and bought my identity from another company that is fraudulent.XXXX XXXX sold my identity and private information to ic system. XXXX XXXX is in violation of the constitutional laws and my rights.

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 2021-10-15 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.

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 2021-10-15 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am having trouble with a fraudulent unauthorized charge dispute I am having with Discover Card. I never made said purchase and promptly reported the transaction upon noticing the unauthorized charge on my Discover XXXX XXXX. As of XX/XX/21 I received a Fraud Affidavit form that Discover Card requires I submit. I am compliant and completed the form and mailed the completed form on XX/XX/21. We are fast approaching the 90 day mark and I believe that Discover is dragging out this process as I never made the disputed unauthorized transaction purchase. I am seeking assistance in getting this issue resolved as I never made this fraudulent unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CT

Complaint narrative:
I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, Equifax and XXXX ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, XXXX and Experian ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

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 2021-10-15 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: U.S. BANCORP
State: OH

Complaint narrative:
US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.

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 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Had mortgage with PenFed Credit Union which we refinanced with them ( same company ). They held the old mortgage and are now holding the refinanced mortgage. Closed on the refinance on XX/XX/2021. We were charged 19 days of prepaid interest for XX/XX/XXXX- XX/XX/XXXX and paid 19 days of interest on the closing statement ( XX/XX/XXXX - XX/XX/XXXX ). That is a total of 38 days of interest for a month with 31 days. When the escrow balance was refunded ( check received XX/XX/2021 ) PenFed refunded 2 days of interest paid on the old mortgage. They still owe us at least 5 days of interest. I called them on XX/XX/XXXX about this and have gotten no where after many hours of trying to have them deal with this. I have included the latest email from the person at PenFed who said he would get back to me on XX/XX/XXXX. He has never gotten back to me and the only time that he did was to respond to me asking what the status is. I have included that email with the back up I am attaching. Note : the same company held the original mortgage and now holds the refinanced mortgage.

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 2021-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
I just refinanced my mortgage and the first payment was in XX/XX/XXXX. I had called to start an ACH automatic payment to start on the first of every month. I was told that my XXXX payment had to be called in because the ACH payment would not go into affect until XX/XX/XXXX. On XX/XX/XXXX I made my mortgage payment of {$430.00} over the phone. On XX/XX/2021 they took out the ACH payment of {$430.00}. I contacted them immediately to get it rectified because I had other bills that were coming out as well. They acknowledged the mistake and said they would issue a refund. I ended up receiving a paper check in the mail on XX/XX/2021. As a result of the length of time it took to get the refund I incurred 2 NSF fees. When I called them to get reimbursed for these fees they informed me that they were not going to cover the NSF fees that I incurred. I had e-mailed copies of the NSF fees to them as well. Once they told me that they would not reimburse me the fees I revoked the ability of them to use ACH for my payments and they said they were ok with this. On XX/XX/2021 they did an ACH withdrawal again. I incurred another NSF fee the same day. I contacted them again and was told they could not do anything about it. I contacted my bank XXXX who has stopped their ability to use ACH withdrawals in the future. I have incurred {$95.00} dollars in NSF fees and asked to be reimbursed and they have said no. 1. NSF fee of {$29.00} from XXXX was issued on XX/XX/2021 2. NSF fee of {$37.00} was issued from my XXXX XX/XX/XXXX on XX/XX/2021 3. NSF fee of {$29.00} was issued from XXXX on XX/XX/2021. They XXXX XX/XX/XXXX NSF was incurred because I transferred funds from them to XXXX to cover the bill that was not paid as a result of them taking 2 payments and I was not refunded until XX/XX/2021. I would like to be refunded for the NSF fees that I incurred because of their mistakes. As I stated these were my first 2 mortgage payments to them after I had refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: AL

Complaint narrative:
XX/XX/2021 at XXXX I have been repeatedly been called about someone named XXXX XXXX over the last 15 years. I am not XXXX XXXX I am XXXX XXXX and this has been my number for over 15 years. I do not have collectors calling me because I pay my bills. I want this to stop once and for all. I called this morning and was told they would remove my number as usual. This has been told to me in the past and it has not stopped. XXXX told me the company was EOCCA and would not give me any more information. The number that called this time is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In 2019 my wife XXXX and I started a XXXX XXXX XXXX in XXXX, using Chase for our XXXX checking account and merchant services ( credit card point of sale. ) As our XXXX grew we went from a few hundred dollars a day sales to over {$5000.00} per three day week average. 

This month we moved into a larger location in XXXX, and on our first day XX/XX/XXXX we made {$12000.00} credit card sales. XX/XX/XXXX {$12000.00}. XX/XX/XXXX {$6500.00}. 

I noticed that week that the money hasn't gone to my checking account as it usually does. I called to register my concern Thursday XX/XX/XXXX. 

XXXX XXXX I spoke to someone in the risk management department that said it had to do with us having much more sales than previously. They said they were going over the transactions. 

The night of the XXXX we got an email saying that those first three days of XXXX all sales had been canceled. I have confirmed with some of my customers that they were not charged. 

The best Chase has managed to do is tell me to get all my customers to come back in and charge them again. While that would be embarrassing, I could do it for some of my repeat customers. However many of our customers walk in and buy something and I never see them again. Either way the implication that this is my responsibility is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX between XXXX and XXXX I requested to close my XXXX account. Two weeks later my account was still open and they said I have a balance due. I pay the balance and requested my account to be closed. About Two weeks later I received a new bill. The bill stated that I owe {$60.00} when I logged in to pay the bill the bill total was {$68.00}. I paid the bill the reference number is XXXX. I asked XXXX to provide proof that my account was closed and they sent me an email That did not represent XXXX. I told them I would like to close my account and every time I wanted to close my account they added a new bill. I paid the new bill and they never close the account dragging it for two months. This has caused me a large amount of stress I even stressed to XXXX that I do not want my stuff to go to a collection agency so I would like to pay everything and close my account. I received a bill on XX/XX/2021 and on XX/XX/XXXX, my account was sold to a collection agency which is less than 30 days and I am really confused because the bill was paid. The manipulative tactics they used on me for two months as I beg them to close my bill. This Has caused me so much stress to where I cant sleep or eat I am always thinking about why my account is not closed and why wouldnt they close it even though all bills were paid and nothing was the due. Every time I requested to close my account they added a new bill. Ive been requesting to close my bill from XX/XX/2021 to XX/XX/2021. Why does it take two months to close an account upon request even though account is paid in full? I it is unfair manipulative and deceptive for XXXX Not close my account on XX/XX/2021 and drag my account for two months forcing me to pay What I dont owe In order to close it. How do you send me a final bill on XX/XX/2021 and it was sold to a debt collection agency before XX/XX/2021? Im really confused and I think this is very manipulative I am literally XXXX  because of XXXX. When I called XXXX close my account, they asked me if I would recommend this service to friends and family and I told them no and They falsely made a debt and sent it to the collection agency a few weeks later.

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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is reporting me late for the month of XX/XX/XXXX. This is a complete error and violation to my FCRA rights. I have attached a screenshot of the late payment reporting on my report. 
I have also attached my Chase credit card statements for the month of XXXX, XXXX and XX/XX/XXXX. My payment due date on this account is the XXXX of every month. If you scroll down each statement to page 2 or 3 under " Payments and other credits '', you'll see that I have made a payment on time for XXXX, XXXX and XX/XX/XXXX. Here are the exact dates I made the payment as stated on my statement attached : XXXX : payment of {$78.00} made on XX/XX/XXXX XXXX : Payment of {$110.00} made on XX/XX/XXXX XXXX : Payment of {$150.00} made on XX/XX/XXXX The late payment that Chase is reporting is inaccurate and is causing a lot of financial damage to me and my family. Please delete this late payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter in the mail about a debt I dont know anything about from a company by the name of Midland Credit Management . On such notice it states I owe {$960.00} for a credit card through XXXX XXXX XXXX XXXX. Ive never applied for credit through this bank or heard of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need XXXX XXXX to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.

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 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: IA

Complaint narrative:
I got a loan from a sort of new lender. Unfortunately each and every time my payments have submitted, the way they connect to the account the payments have been declining. Apparently they use XXXX to connect to bank accounts. They had absolutely no problem depositing the money when I took the loan, but there's been money there for days and they refuse to take the payment it's some processing issue. Every time I update my debit card it just declines. So I gave up on using my XXXX bank account XXXX and tried to use my XXXX XXXX XXXX account - it keeps having me enter the routing and account number over and over and sending me in a loop. I'm getting closer and closer to the 30-day Mark and I don't appreciate them threatening to report me late when I've been attempting to pay since it was due. I want them to fix my payments so they go through by ACH with my XXXX account and remove my XXXX Account. This is ridiculous. I'll never take a loan again.

Company response to consumer: Closed with explanation