vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX  XXXX XXXX .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in 2018 and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did Experian would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX, XXXX, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
Experian would not even let me file a Dispute against XXXX only after I filed with XXXX  did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address

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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
On XX/XX/XXXX, I emailed XXXX XXXX XXXX XXXX/XXXX XXXX, located at XXXX XXXX XXXX # XXXX, XXXX TX XXXX, that I was attempting to bring Home Owner Association Dues in the amount of ( {$250.00} ) current, after dealing with Covid and health issues. I also inquired about some of the financials of the Association as well. I received a response from the Association on XX/XX/XXXX, advising that they would be charging late fees. 

On XX/XX/XXXX, I received a letter from RMWBH ( Roberts Markel Weinberg Butler Hailey ) the law office that represents the Association advising that a lien was being placed on my property with the threat of foreclosure, and now the payment owed is {$440.00} ( which includes their fees ). 

Although I feel this is retaliation for questioning the funds, HOA 's and their lawyers feel that the eviction and foreclosure moratorium does not apply to them, and they can continue to demand late fees, and threaten homeowners with liens and foreclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have two credit cards with Chase, XXXX and my Amazon Chase credit card XXXX. 

I changed my mailing address for XXXX card but am not able to apply the change of mailing address to my XXXX card through the web site. 

Chase 's online messaging through their web site doesn't work. 

I emailed them but have not heard back. 

However, I did receive an email from Chase " We posted a new notice or letter to your Chase Mobile app at chase.com/statements. Here 's what it's about You'll see an update or a request to take action. '' Yet I did not see anything in 'notices and letters ' : " You don't have any notices or letters. '' Questions : ( 1 )  Why did Chase send me the email? What document does it refer to? 
( 2 ) Please change my mailing address for amazon credit card XXXX to the same PO Box mailing address as my XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX a debt validation letter was sent to IC SYSYEM for three alleged debts for XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX. A CREDIT REPORTING REMOVAL letter was received XX/XX/XXXX stating that " they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account XXXX be deleted or removed ''. On two of three CREDIT REPORTING REMOVAL Documents that were sent one had my name spelled incorrectly as XXXX XXXX instead of XXXX XXXX that they appears on the other two documents. Shortly after receiving these documents IC SYSTEM was contacted at XXXX. I spoke to a agent who identified himself as XXXX or XXXX, who I then explained that document were received from your company stating a debt was to be removed, but my name was spelled incorrect. The agent puts me on hold to speak to his supervisor, and then comes back on the line, states that they will not send a corrected letter and then proceeds to try to collect on the debt in question of XXXX that in there own letter was admitted that they could not verify the debt. A argument erupts on the phone between myself and the agent, because of his refusal to correct the document that his company sent to me. Also to be noted the agent admitted that the document was a grammatical error, but refused to send a updated corrected version to me. The phone call ended after a few minutes of argumentative conversation with the agent saying I would receive a letter from them after I informed them that I would seek legal counsel if the matter is not corrected. Shortly after this XXXX, XXXX, XXXX  were contacted to obtain procedure for complaint against IC SYSTEM. Shortly after this CFPB was contacted to get directive on how to file a complaint.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Home Mortgage was notified over 10 years ago that, both our home and mortgage were at risk given the inappropriate relationship between our community developer and XXXX XXXX XXXX. Consequently Wells Fargo sold our loan but continued to administer our loan until XXXX. After numerous interactions with Wells Fargo team members we were instructed to stop making mortgage payments, so Wells Fargo could take possession of our property that had a fair market value in excess of outstanding loans provided by Wells Fargo. This process was handled by XXXX XXXX<Wells Fargo Manager> in XX/XX/XXXX. Throughout this 10 plus year process we were led to believe that our credit reporting and financial losses would be corrected, given repeated errors by Wells Fargo. In XX/XX/XXXX, XXXX XXXX was making progress toward addressing our collective matters. Without explanation she was removed from our situation, Repeated request to the Wells Fargo Board of Directors were answered, no action resulted. With the most recent change at the CEO level, further requests have not received a reply.

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 2020-08-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XX/XX/2020 I discovered that Equifax Credit Bureau dropped my credit score by 92 points in a 30 day time period. The only change in my credit card balances over the last 30 days is a XXXX purchase in which I countered with a XXXX credit line increase with two of my creditors. According to the credit report from Equifax my Credit usage is 9 %. I called XXXX XX/XX/2020 Equifax to find out why my credit score dropped drastically. The representative informed me that she could not discuss my credit score over the phone. But that she could provide me with a free credit report, and will send it regular mail. I agreed to the free report! Bottom I believe that Equifax made an error in calculating my credit score. I need this issue resolved. I feel helpless, for I have done very well managing my credit and should not be punished like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have my mortgage with PNC bank. According to the Cares act states that upon request by a borrower for forbearance it shall be granted for up to 180 days and shall be extended another 180 days at request, of borrower. I talked to at least 7 different people at pnc today was transferred around to early intervention to customer counseling back to early intervention. They keep telling me they will only do 90 days at a time which is not what the care act says. I also told them I want the missed payments added to the end of my loan and they said that has to be reviewed after 90 days. My understanding of the law is that it it is not required to be paid back in a lump sum however PNC wont guarantee that. If I cant afford my mortgage now how am I gong to come up with months worth in one lump sum-that doesnt help anyone. I would like what I believe I am entitled to by law which is 180 day forebearance with option to extend another 180 days. I would like Any months not paid added to the end of my loan. I understand there may be some interest at that time and I am ok with that as long as terms are given to me in writing? I am hoping you can assist as I now in extreme hardship waiting on the government to come to an agreement on unemployment extensions and stimulus. I would be very grateful for any assistance you can provide as I am getting frustrated and scared on what is going to happen if I cant get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 Equifax received a letter from me disputing a XXXX XXXX XXXX collections account listed on my credit report. I had previously submitted disputes to Equifax regarding this account in which they responded with this account as " verified ''. I followed up on this account and disputed it via mail directly with the collections agency however I did not receive a response and noticed that the address the collections agency has listed on my credit is inaccurate. According to the FCRA all information reporting on my credit reports must be accurate, verifiable and report timely. 

In my dispute that Equifax received on XX/XX/2020 I disputed the collections account again and cited the collections agency incorrect address information reporting on my credit report as well as the fact that I sent a debt validation request for this account to the collections agency directly and did not receive a response at all from them- which is illegal under the FCRA. Along with my dispute to Equifax, I attached 2 copies of my Identification which verified my personal information and address, 1 copy of the usps tracking information which showed that the address they are reporting on my credit report is incorrect and a copy of my credit report with the collections agency information that is reporting. 

On XX/XX/XXXX, I received a stall letter from Equifax saying that they were unable to locate my credit file and requesting additional forms of identification. This tactic is not appropriate at all, stalling affords Equifax additional time to investigate my dispute which is unfair to me. I submitted all documents including my ID with my dispute, Equifax is in clear violation of the FCRA. Equifax has not used reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further which is adversely impacting my credit history, credit score and ability to obtain further credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: GA

Complaint narrative:
The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603

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 2020-08-04 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: GA

Complaint narrative:
The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M&T BANK CORPORATION
State: PR

Complaint narrative:
On XX/XX/2019, MT Bank address XXXX XXXX XXXX XXXX DE XXXX was notified by letter through IdentityTheft.Gov about my identity theft complaint, an affidavit and a police report were sent to them. Answer all your letters and questions. I recently received a letter from a collection company demanding payment of {$5000.00} money I did not request or use. 
This matter was reported in time when requesting a credit report and all credit bureaus were notified.

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 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote letter to Tran Union LLC requesting Validation of the items and not verification if the items could not be Validated that items be deleted in accordance with the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 { b } that your claim is disputed and validation is requested. To date Trans Union LLC 3 responses has only been that the accounts have been Verified as Accurate and updated and not deleted, which is in clear violation of the Fair Debt Collection Practice Act.

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 2020-08-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian will not thoroughly investigate within 30 days and delete ( furnisher ) XXXX XXXX from my credit file. Experian refuse to  delete disputed item after being provided proof of fraudulent inducement from XXXX XXXX and conspirators, Experian continue to violate FCRA Section 623 XXXX v. XXXX XXXX. US Court of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX. 
No. XXXX ). 
IN CONTRADICTION, XXXX & XXXX ALL DELETED THIS ITEM FROM MY CREDIT FILE. 
Please view attachments that will show I never authorized the retail contract that was submitted and accepted fraudulently. For example, my correct DOB is XX/XX/XXXX NOT XX/XX/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 2020-08-04 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: TX

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!

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 2020-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. 
However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. 
These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. 
This is either a case of malfeasance or malpractice, and either is not acceptable. 
Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. 
Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. 
I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans.

My husband and I spoke with Navy Federal regarding the status of this loan last week. 
I called again today about letters mailed to me ( see attached ). 
I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. 
XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation