vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I first received this letter from I. C. Systems regarding a account with XXXX Cable company. I have never had account with XXXX cable company. I sent a letter of verification of this debt and have yet to hear back from I.C Systems with proof that this is my account. I am requesting assistance in stopping this company from sending me bogus collection letters for a account I have never had with this company XXXX. I have always had XXXX XXXX XXXX cable.

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 2020-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a wire from my account at XXXX XXXX XXXX XXXX to my Chase account for {$2000.00} and Chase rejected the wire and instead of sending it back to the original account at XXXX XXXX XXXX XXXX, Chase chose to re create the transaction generating a new reference number that placed the money in limbo. After 3 to 6 hour wait times and multiple dropped calls and poor phone quality Chase continued to ignore this very disturbing issue and kept repeating that they " sent the money back '' which XXXX XXXX XXXX XXXX has yet to see. They actually told XXXX XXXX XXXX XXXX this also. This type of matter is considered reckless for a financial institution this large to make these kind of mistakes. I just want this resolved or escalated to someone that has a bit more understanding of how scary this would be to any customer trusting Chase to handle money digitally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage is always paid on time. During this COVID 19 they ( New Rez ) offered a forbearance on their website if needed so I did request to speak to someone about this process in place for any financial issues that could occur via their website as they requested of all customers. I kept trying to call every day and no one ever answered. I was never able to speak to one person about it. About 3 weeks later they send a letter with the incorrect monthly amount that was less than my current monthly note. So I called them again hoping to clear up the inadequacies and again nothing. Two weeks later they send another letter that has a totally different amount from the last that is XXXX as my monthly mortgage. This is incorrect as well. My monthly mortgage is XXXX which includes property taxes as well of which I always pay XXXX. I pay my mortgage online through my XXXX XXXX  online account for documentation purposes. They have added on XXXX. I have had this problem with them in the past and they keep messing up important data as it pertains to my home. I am prepared to sue them if necessary. Please help me with this situation with this company called New Rez. I am a single mother of XXXX and this is our home. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unable to access credit report online from ANY of the three credit reporting bureaus.

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 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be
deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Monterey Financial is a 3rd party who works with XXXX XXXX XXXX who are a fraudulent company. 

The following is what happen : XXXX XXXX XXXX  in XXXX duped and defrauded me. Monterey Financial works with XXXX XXXX  and they took my money. Initially took {$500.00} deposit from my XXXX  XXXX XXXX credit card. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by Monterey Finantial. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX   Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX XXXX 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unable to access credit report online from ANY of the three credit reporting bureaus.

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 2020-04-28 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: AR

Complaint narrative:
PER CFPB COMPLIANT NO.XXXX, XXXX UPDATED ALL BUREAUS WITH A BALANCE {$43000.00} S/B {$4100.00} for account no.XXXX. they are aware of this problem as I talked with them on the phone a few days ago!

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 2020-04-28 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
PER CFPB COMPLIANT NO.XXXX, XXXX UPDATED ALL BUREAUS WITH A BALANCE {$43000.00} S/B {$4100.00} for account no.XXXX. they are aware of this problem as I talked with them on the phone a few days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: MS

Complaint narrative:
This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this viola
tion.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am unable to make a transaction on XXXX because my bank, PNC, would not allow me to connect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  EST, I spoke with XXXX from American Express. I explained that Covid-19 was causing me money issues. She asked if I could pay my bill, " Do you think you will be able to pay this payment due in next 30-60 days? '' I replied with, " the full amount I would say 60 days safely. '' I explained I had been a member for 16 years and they agreed. When I told her I could pay {$400.00} on XXXX XXXX, she proceeded to offer me only 48 days after just. She then quickly offered a longer plan that cost interest over the long term. I feel this was a bait and switch praying on those in need with Covid-19. 

After this attempt to arrange payment, they started calling me with disconnected calls throughout the day and also after XXXX at night. At XXXX on XX/XX/2020 I received a call from XXXX from a person who I could not understand his name, all I could make out is he was from American Express . I asked if he was a debt collector attempting to collect a debt and he refused to answer stating only that he was from American Express. I informed him the law prevented him from calling this late at night and that it was XXXX at night. The following night again at XXXX on XX/XX/2020 they called again refusing to identify as a debt collector. I identified that it was XXXX and they were violating federal law. That night they called again at XXXX on XX/XX/2020 again not identifying themselves as debt collectors. On the third time it is clear this is harassment and not an accident. 

On XX/XX/XXXX at XXXX, I spoke to XXXX and attempted to settle this debt under their Covid-19 offerings but they said I was no longer eligible and that I could have payments deferred under their interest accruing plan. I declined and ask that XXXX ensure their call logs for the phone calls that violated federal law not be destroyed. By the conversation, it appears they still did not have my number labeled as an EST time zone. XXXX said, " I have raised a complaint from my end and the team will work to stop the calls post XXXX EST. '' This leads me to believe they will continue the harassment and have no regard for me other than trying to collect a little extra on the account. 

I am requesting action be taken because of the violations ... 
Harrasment : repeatedly use the phone to annoy you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I contacted Bank of America ( BOA ) about disputing a charge on XX/XX/2020. BOA asked me to send in information about the dispute, which I did. On XX/XX/XXXX, BOA concluded they could not dispute the charge because the method of payment was XXXX XXXX. On XX/XX/XXXX, I contacted BOA via telephone to request documentation showing the information they used to come to that conclusion. I was not provided with any investigation documents. I was again provided the same response that BOA could not do anything to solve the dispute. On XX/XX/XXXX, I sent BOA an email from XXXX XXXX   support showing that XXXX XXXX would work directly with my bank to solve the dispute. The email from XXXX XXXX support is attached. I also sent a written request for documentation used in the BOA investigation, which is attached. I have not received any documents. XXXX XXXX can be seen on their twitter account telling multiple people that if a bank disputes a charge that XXXX XXXX is required to refund the funds. Responses from XXXX XXXX stating they are required to return disputed funds are attached.

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 2020-04-28 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: AZ

Complaint narrative:
My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove them properly recorded information. There is a company that are dragging my score in the mud the companies are looking for. The information report it is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my Files even if it is beyond the debt limitation statutes this constitutes extortion. My Phico score is being ruined by Experian who continues to resell information without my consent continues to sell negative information for profit will not remove improperly reported information. There is a company dinner tracking my score in the mud the companies are looking for. The information reported is not accurate this has reported several times over several years. Tons of information is being re-posted I am denied the opportunity to have it removed from my files even if it is beyond the debt limitation statutes this constitutes extortion

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 2020-04-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I have a car loan from NISSAN MOTOR ACCEPTANC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NISSAN MOTOR ACCEPTANC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NISSAN MOTOR ACCEPTANC with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
Applied with the lender in XXXX. They didnt start working on the application until XXXX. We finally scheduled the closing and While I was closing signing the legal binding docs, the lender called and said stop signing. I was told the loan could not close. I was told that my uncle who was a co-signer has something come up on XXXX. I was wondering how did this just come up and we were set to close. This was not on my loan approval as an item. Then my dad who is an XXXX  XXXX helped restructured the loan to remove my uncle, payoff debts. We kept my aunt on the loan an got an XXXX accept. So we spent another week trying to get the additional payoffs, documents and was told today that I didnt meant residual. The loan was approved eligible. Why would residual be an issue? My dad was paying all the closing cost so the funds in my account were for residual. My aunt and uncle had liquid reserves as well not to mention his additional $ XXXX to help me with the payment. I feel like they discriminated against me because I am XXXX years old trying to buy my first home. My credit is in the 700 and my income dropped slightly because of CORVID. I dont understand I saved my money and wanted to get my first house instead of renting. I wanted to build wealth but this company gave me the run around to disappoint me from the American dream that from my understanding is not a reason to deny me. They are simply a bad company with no ethics and violated my rights. I signed legal documents!

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-04-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation