vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ). This letter is being sent to Jefferson Capital Systems in response to a listing on my credit report. The listing states that I opened an account on XX/XX/2019 and have a balance of {$830.00}. 

THIS IS COMPLETELY FALSE. I NEVER OPENED AN ACCOUNT WITH ANYONE IN 2019. I DO NOT OWE THIS DEBT. THIS DEBT IS NOT MINE. THIS DEBT HAS NO RELATION TO ME AND I NEVER TOOK OUT ANY CREDIT IN RELATION TO THIS PURPORTED DEBT. 

There is NO contract or other instrument bearing my signature, and therefore Jefferson Capital Systems is attempting to collect a debt for which they have no account level documentation showing I owe it. Because there is no proof of such, and I do not owe this debt, I demand immediately for Jefferson Capital Systems to correct the erroneous reports of this past debt as mine. I ask Jefferson Capital Systems to provide the following information to me and the CFPB : Please show evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please show evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and ID to assure youre after the correct consumer.

Please provide a complete account history, including any charges added for collection activity.

Jefferson Capital Systems failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of their claims in this matter, and will entitle me to presume that Jefferson Capital Systems placed this on my credit report ( s ) in error and that this matter is permanently closed. There is no proof, because none exists! Correct the record and remove this invalid debt from all sources to which you have reported it. I am under contract to purchase a home and this invalid, incorrect, and erroneous listing is preventing me from moving forward in building my dream home. It is causing me distress both emotionally and physically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Dovenmuehle XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Dovenmuehle Mortage company holds an escrow account to pay taxes and insurance for my mortgage, my insurance changed in XX/XX/2020 Dovenmuehle did not pay by XX/XX/2020 so XXXXXXXX XXXX XXXX out of XXXX Florida canceled my policy effective back to XX/XX/2020 I was notified of this XX/XX/XXXX XXXX day before a hurricane even though XXXX  posted payment. During the two months of XXXX and XXXX I received several letters from Dovenmuehle letting me know I didnt have insurance and they were going to buy insurance for me. My last letter from Dovenmuehle about no insurance is dated XX/XX/2020. Dovenmuehle paid bankers {$24000.00} to XXXXXXXX XXXX  on the XXXX of XXXX for a {$2200.00} policy, Dovenmuehle reported to all three credit bureaus that I owed them {$22000.00} and also reported it as an increase on what I owed on my mortgage it immediately dropped my credit score 100 points. Dovenmuehle sent me a letter on XX/XX/XXXX and XX/XX/2020 increased my mortgage by {$2100.00} dollars a month. I have called almost every day trying to get it fixed and keep running into a block wall with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both XXXX  and Equifax who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/2020 i submitted a complaint via CFPB website for failure to validate a debt to National Credit Adjusters and got a quick response via CFPB portal on XX/XX/2020 with a letter following a bill statement .This wasn't what i requested and clearly shows that National Credit Adjusters is committing a FDCPA violation which is failing to validate a debt and continues to report a disputed debt to credit bureaus another FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused 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 2020-11-16 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: FL

Complaint narrative:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: MN

Complaint narrative:
There are many things that are disturbing about this entire situation regarding the car lease with JPMCB Auto ( Chase Bank ) that I want to bring to your attention : - My car lease was a 36 months for a new 2017 car due at the end of XXXX. I in early XXXX, I called Chase and asked to extend it for six months and, on a recorded line, the gentleman said Sure, no problem. Were doing that for all our clients. '' I've extended many car leases over the years without an issue. 
- So every month since following that call it was paid on time : XXXX, XXXX, XXXX, XXXX with no problem. 
- When I went to pay the lease on XX/XX/XXXX, the due date, the automated system said this account is closed. 
- After talking to countless people, Chase decided ( after taking numerous payments ) I never had authorization to extend the lease so they abruptly closed the account and wrote it off. I asked for the paperwork to buy it several times and they would not give it to me. 
- On XX/XX/XXXX ( after then turning it over to a collection attorney who also could not get the buyout information or any information ), the placed on a my credit report this statement : " Major Derogatory JPMCB AUTO It looks like your account with JPMCB AUTO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. '' That is a flat-out lie and fabrication - Yes, I called them and they were willing to do NOTHING. And they claimed it didn't go magically to credit reporting but it did. My credit rating sank 150+ points from that comment. 
- I believe that there is a precedent in law that basically says behavior validates the contract : In other words, Chase kept taking the money and then falsely reports that it is delinquent and then claims abruptly that it is closed. 

Chase has portrayed me as a a loser a year ago while they got ALL their payments with one late because Choice Bank ( the account linked to their ACH payment ), put an ACH block on the account back last XXXX. Explaining that also got nowhere. People that answer phones are just one level short of automated machines. 

This is not only inaccurate it is literally defamation. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I needed to pay off the loan and get a letter of lien release. I called on a Friday and was told if I made the payment by phone, the payment would be posted on Monday and I could get the letter. 

I made the payment, but when I called on Monday I was told there would be a 10 day hold before I could get the letter. 

Had I been notified of this hold, I could have made a payment with a certified check overnight. Now I may lose my sale due to this failure to uphold their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 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's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
Charged extra and incorrect interest amount of XXXX $ by GM Financial XXXX Did NOT get a proper statement!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Loan depot free refinance guarantee. They Guarantee no lender fees if you use them again in the future to refinance your original loan with them. Upon speaking with them about the free lender fees I was told we saved you enough money so we will not be offering you free lender fees. The gentlemen I spoke with was on a recorded line when he stated that. No where does it mention if they save me money lender fees will need to be paid. On multiple occasions I received different explanations on why I would not receive the credit. I wouldn't have even used loan depot if this was the case, they kept delaying a response i had so much time invested i had no choice but to move forward. I have plenty of correspondences from loandepot on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: DE

Complaint narrative:
The information on CLUE is inaccurate as the accidents stated below listed me as " At Fault. '' These should be listed as " Not At Fault. '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No such event occurred. 

When I spoke with XXXX they are listed as not at fault. This is creating high car insurance charges. I need these removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that were listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter addressing that. I still haven't received a response and it's been 5 months!!

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both Experian and XXXX who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.

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 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020 I attempted to buy a computer graphics card from XXXX from someone names XXXX XXXX XXXX. This person stated that XXXX XXXX took too much money from the buying transaction and thought XXXX was a good payment form. I thought the same as XXXX goes directly through your bank. I was wrong though. It has now been 2 weeks and i called USAA ( my bank ) to get an update. Just to be slapped in the face by being told " We got a response back from XXXX saying that in there terms and conditions they can not do anything in a buyer and seller situation. So I bought a graphics card for {$450.00} through XXXX but never received the item and even tried to contact the seller multiple times but was blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MO

Complaint narrative:
I once had a Personal Checking Account that was subject to over seas fraud transactions that hit both my Account Number as well as fraud transactions through XX/XX/XXXX I contacted the bank immediately after noticing my account was hit multiple times for different amounts. The Account Debit Card was closed and I did report this to the Credit Bureaus and I also had Fraud Alerts placed on ALL Credit Bureaus. 

Now my So Called Charge Off Amount is being reported to XX/XX/XXXX even after I have filed out Fraud Paperwork through the bank its self as well as filing out a pervious ID Theft Affidavit through a Government Website. 

I have proved this was fraud and I have had frequent contact with the bank and no one has called me back even after I requested a call from a Senior Member of Management. 

I have also contacted XX/XX/XXXX and I have disputed them and asked for another deeper investigation to be preformed. 

I have had NO resolution as of date.

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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid {$520.00} to Arvest Central Mortgage for an appraisal. As of today, the appraisal was never carried out. The loan has been transferred. I received a refund of {$200.00} not the total {$520.00} for services that has never been rendered. My loan has been transferred and they have charged me {$390.00} ( XXXX ) for PMI on XX/XX/XXXX and XXXX. They no longer carry the mortgage. I have yet to be refunded to the total appraisal paid of {$520.00} and my escrow balance of {$5700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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