vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I already submitted a complaint # : XXXX for JPMORGAN CHASE BANK. This complaint does not show on your website anymore. So I have to start over again. 
I have my house for sale in escrow. On the Preliminary report, Title shows a second loan mortgage # :XXXX of {$65000.00} which it was merged to my first loan mortgage # :XXXX with Washington Mutual/Chase Bank on a Loan Modification in XX/XX/XXXX. In other words, I do have only one mortgage with Chase ending # : XXXX. 
On XX/XX/XXXX, through my escrow officer I request demand and Reconveyance to Chase-JP Morgan Chase Bank/Washington Mutual Bank. 
On XX/XX/XXXX, my escrow requested by second to Chase/WaMu Banks time by fax ( XXXX ) XXXX a full reconveyance on the second loan, the bank did not answer. 
On XX/XX/XXXX, a third request was emailed to lien.release.customer.researmych@jpmchase.com through the Broker who represents me on the sale. All three requests have been sent with my Authorization Letter signed and dated authorizing XXXX XXXX XXXX, Broker XXXX XXXX, and my Agent XXXX XXXX to speak on my behalf ; a copy of Deed of Trust, Preliminary Title Report. All requests including my complain to your CFPB had been very specific, I NEED A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX. 
I have been talking to the Chase Customer Client every day, always with different person. Attached is a letter from Chase saying a specialist XXXX XXXX was assigned to help me. I've never been able to talk to this person I left her many messages with no answers. On XX/XX/XXXX, I received from Chase a copy of the loan modification # : XXXX that I did not request. Today, XX/XX/XXXX, I received the pay off of the same loan that I do not need either. I repeat once again that the only thing I keep asking for is A COPY OF THE EXECUTED FULL RECONVEYANCE ON LOAN # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: TX

Complaint narrative:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I applied for a business credit card with Capital One. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that Capital One is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like Capital One gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever

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 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX I called TD Bank and spoke with a representative in regards to suspicious activity on my account. they I formed me I had to go to a branch to complete an affidavit. That same day, I went into a branch and explained to them that money, in the amount of {$3100.00} was deposited in my account to then be withdraw only this time my money was withdrawn in addition to.the amount that was deposited. someone illegally withdrew money from my account in the amount of {$1000.00}. the bank 's approach was unfair. they said that their personnel are not trained to question any amount of deposits or withdrawals and that they will not be able to credit my account until.yhe investigation was completed, which can take up to 30 days. they had no issue giving money to someone other than me but they give me a difficult time when I ask for my money to be credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.

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 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I have sent several written requests to this company that is reporting negatively on my credit report. The dates that I have sent to the company is XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any responses from this company. It is having a negative impact on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: MI

Complaint narrative:
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.

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 2018-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.

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 2018-12-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I applied for a business credit card with XXXX XXXX. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that XXXX XXXX is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like XXXX XXXX gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal  used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts : Reason : Tangible Proof Needed From Creditor ASAP XXXX XXXX XX/XX/2018 To whom it may concern, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX  but the XXXX  part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. ( Acct No. XXXX ) But that is not the substance of this complaint. Experian representatives will not verify for me the exact name or Social Security Number under which this account is reported. Thus, I can not even verify whether or not there is some error. The representatives take the position, " It's yours, would you like us to dispute it? '' The real kicker here is that when I pressed them for the address under which the service was reported, or even a bill mailed to, they were unable to provide one because, I was told, XXXX  XXXX XXXX did not even report an address to Experian. It seems to me that this can not be legal. I would think that, at the least, the address would have to match something in a person 's credit file, but Experian evidently accepts negative reporting with NO address at all. So someone can just obtain electric service with a SSN and a name that approximately matches? And then the electric company can report bad debt and the credit bureau has NO obligation to even attempt to get the address associated with the service or, at the least, require that a creditor report an address where the bills were supposedly mailed? If this is legal, the law needs to be changed.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mendelson Law Firm
State: TN

Complaint narrative:
I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00}

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 2018-12-28 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXXXX/XX/XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}

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 2018-12-28 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
please refer to complaint XXXX. due to technical problem I did not submit my comments to XXXX XXXX XXXX responded on my complaint XXXX and I feel that in order to come to a resolution I need show evidence. 
FROMXXXX RESPONSED : XX/XX/XXXX and the loan was due at that time for your XX/XX/XXXX installment. We have confirmed that no payments were missed or received 30 days late in XXXX. FROM XXXX XXXX MY ORIGINAL ALLEGATION WAS AND CONTINUE TO BE THAT ( # 1 ) XXXX DETAIL PAYMENT HISTORY ) 1. ON XX/XX/XXXX REGULAR PAYMENT WAS POSTED {$1400.00} ON XX/XX/XXXX A INVESTOR REVERSAL ( - {$1400.00} ) back dated to XX/XX/XXXX ON XX/XX/XXXX {$1400.00} WAS POSTED AS A REGULAR PAYMENT satisfying the XX/XX/XXXX payment. this is just an example of how servicer have and continue to do what they please with my funds, XXXX have done lots of damage including is financial abuse. 
RESPONSE FROM XXXX We have reviewed your concerns about payments you paid in XX/XX/XXXX basically XXXX stands for my loan been late. FROM XXXX XXXX XXXX XXXX XXXX DID NOT DISCLOSE on many occasions requesting clarifications on payment receipts ( prove on all attempts upon request ) including my complaint mention above. 
PAYMENTS IN QUESTIONS!! 
Bill payment went out regular mail to XXXX in the amount of {$1400.00} on XXXX XX/XX/XXXX went out regular mail refer to payment history regular payment posted same day XX/XX/XXXX impossible to be the same payment I believe this is the XX/XX/XXXX payment missing ( please find bank statement.in addition a partial payment f {$1200.00} to unapplied funds was posted. 
Bill payment went out ( regular mail ) on XX/XX/XXXX in the amount of {$1500.00} XX/XX/XXXX another bill payment went out from my personal checking account in the amount of {$1600.00} for payment a not matching payment posted on my loan on XX/XX/XXXX for {$1600.00} please find attached fee history from XXXX stating that on the payment that posted on XX/XX/XXXX was a phone payment. leaving the XX/XX/XXXX {$1600.00} and XX/XX/XXXX {$1500.00} unposted to my loan. 
I HAVE ALSO ATTACHED A COPY OF MY CREDIT REPORT YOU CAN SEE HOW NEGATIVE DID IMPACTED MY CREDIT FOR THE SERVISER MISTAKES AND LACK OF NOT DISCLOSING INFORMATION TO COME TO A RESULUTION. 
for clarification XXXX responded that XXXX transfer my loan to XXXX please find attached loan documentation that states that I refinanced on XXXX/XXXX/XXXX with countrywide and later transfer to XXXX them to XXXX and now to Shellpoint.

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