vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: GA

Complaint narrative:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX   XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I have contacted GM Financial for the 3 month in a row to ask if I could pay my payment by the XXXX of the month. It is due on the XXXX. This makes it 30 days late or more. They have agreed and state that my account would not be reported 30 days late to credit bureaus because of COVID-19 and I would be protected under the CARES ACT. I have to call in each month or file a complaint because they do not keep their word. This is impacting me trying to get a equity loan because my score keeps decreasing. It is very stressful that I have to go back and forth with this company. I have done what I was asked to do to make arrangements. I used the messenger on the GM Financial App and sent a message. I just want to not be stressed out by this and having to be stressed with COVID related health problems also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On two occasions, with my Chase Sapphire Reserve, I submitted 2 disputes. In one case, I was charged for items that I returned for over {$2000.00} and submitted the XXXX weight information showing I had returned the items and they did not investigate or credit me. They did nothing to protect me although I pay them $ XXXX/yr! 

On the next occasion, I was called about a fraudulent charge that was in person when I was away, I told them it was fraudulent and that I was away and then followed up and they said they never called me although the individual on the phone asked me if I had made the charges and did not ask me anything personal about myself and told me the fraud dept would call. Then I submitted a dispute about it. The fraud dept was only available during limited hours did not provide an email or any other way to get in touch with them. I sent them all the documents by fax and by mail twice. They did not respond. They did not investigate at all. Even though I told them it was physically impossible for me to have made these " in person '' charges and sent the receipts from the hotel where I was at the time!. They just charged me over {$2800.00} and closed the case. I faxed them more info and tried to appeal and they responded the case was open again. And then closed it with no investigation. They did not give me any opportunities. It has been abhorrent and I am a very organized and thorough person, if they are handling these types of fraudulent claims this way, I imagine there is a VERY SERIOUS CLASS ACTION and some serious XXXX XXXX type fraud going on with Chase. It's absolutely unheard of the way it was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
Back on XXXX I sent out a certified letter requesting validation this was never answered. 


XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PCM To Whom It May Concern : Be advised this is an attempt to get a Validation of Debt Request Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe PCM. I am requesting proof that there was indeed a contractual agreement between XXXX XXXX and PCM signed and dated with both my signature and PCM signature on it, stating that I agreed to pay this debt to your company. If this said to be true that PCM claims, I am also requesting the beginning and ending of services that I rendered from PCM with my signature and again PCM XXXXAgent signature on it. 

Also, last but not least if PCM can show me Proven Documentation of their company practices are not using EXTRA TACTICS, MISLEADING - INVALIDATION of INFORMATION to the three major Credit Bureaus and no type of UNJUST ENRICHMENT within the company for gain off my personal information that was retain without my consent. 

Im respectfully requesting that your offices provide me with competent evidence of Court Documents showing proof that I have any legal obligation. 

At this time I will also inform you that if your offices have or continue to report Invalidated/ misleading information to any of the three major credit bureaus ( XXXX  XXXX XXXX  , XXXX XXXX ), I will move Rapidly to other steps legally. These actions constitute fraud and Identity theft under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company, again I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character Identity Theft XXXX___ [ Signature of Affiant ] Subscribed and sworn to before me, this XXXX day of XX/XX/2020. 

NOTARY SEAL _______________________________________________________ [ Signature of Notary ] ___________________________________________________________ [ Print name of the Notary ] NOTARY PUBLIC My commission expires : XXXX, 2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: WI

Complaint narrative:
XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Experian is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Experian verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Experian that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.SXXXX Bankruptcy courts, they deleted the unverified account 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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
I am in defualt with Bank of NY Mellon serviced by XXXX, I had requested to assume my mother 's mortgage after her death in XXXX ( we lived together ). I was told I had to pay the entire mortgage upfront and could not. I presented the 'Garn St. Germain law ' and 'Successors in interest ' and then finally was told I could assume the mortgage and Modify the loan after many prior attempts. There was no way I could have paid all the money due, it was well over {$1.00} XXXX dollars ( from arrears, legal fees etc ) the home was significantly underwater - no pun intended. The market value of the home was at the time after Superstorm Sandy UNDER $ 400K due to massive wated damage in XXXX. I could not pay the modification for long in XXXX due to unforeseeable hardships. I asked for a debt forgiveness at Bank of NY Mellon - from the former CEO Mr. XXXX XXXX who only referred me back to XXXX. Now with Covid-19, I have had NO money coming in. XXXX aggresively began foreclosure proceedings with law firm in XXXX which required me to go to court appearances prior to Covid-19. With a scheduled date after Covid began, I had to appear at court XX/XX/XXXX. There was no notification NOT to appear, I went and the court, it was closed. I live in fear every day of losing my home where I reside with my XXXX. My husband is a deceased XXXX XXXX, I am a single mother and I have significant health related issues. I need help please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Bank of America account number XXXX XX/XX/2020 I am a Bank of Americas costumer and keep an account # XXXX where my son is cosigner. On XXXX XXXX my son received a text message by XXXX XXXX and this girl asked him make to her a favor because she was very busy. She asked to my son make a transfer for {$1000.00} to her friend, then she sent him a check for amount {$900.00} ( which I attached ) which my son deposited on our account and this amount ( {$900.00} ) had available in our account the next day XXXX XXXX. Once the money was available my son made two transfer for {$600.00} and {$400.00} through XXXX to following email : XXXX. Both transfers were deducted from the account the same day, but a few days later, that is on XX/XX/XXXX, the transfer of {$600.00} was returned to the account because there were not founds, however on XX/XX/XXXX when my son received his payment of his salary it was deducted from the account again without making any notice, when it was evident that this was suspicious activity On XXXX XXXX the check was return and my son text his friend and she apologized and sent to my son another check for {$2400.00} ( which I attached ) to cover the amount that was returned and asked that the remaining amount of {$1400.00} be sent to his friend as well. My son immediately deposited this check which was return as well after three days. I called to the bank to report the fraud and they said me that they can not do anything about this, I asked them to verify if the account which my son made the transfer is from a costumer of the Bank of America or another bank in the United States, they must do the investigations because the banking system of this country must not allow people to engaged in defrauding people keep bank accounts in this country, which happens for not doing the due diligence to his costumers On XX/XX/XXXX we have received a letter of Bank of America and they attached two checks return reason : Altered/fictitious I wonder what is the reason the bank at firs put de money available when was a fraud check and why they did not block the account. 
I respectfully go to you to carry out the pertinent investigations or procedures and establish the corresponding responsibilities. 
I attached to you copy of checks and my bank statement to show you what happened Thanks for your support Sincerely XXXX XXXX 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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally financial, my car note company - HAS NOT reported my payments since XXXX of 2019. They said that they would make note and update it and NEVER have. They will report when you miss a payment or don't pay them, but won't update a positive report? 

I'm angry. To say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: LA

Complaint narrative:
Previously I disputed a credit card account on my Equifax credit report, because I assumed it should be reporting as an installment loan instead of a credit card. The creditor has verified that it should report as a credit card and no changes should be made. Someone at Equifax has removed the ENTIRE account from my credit report WITHOUT my request or the creditor request! 
I demand Equifax place this account back on my credit report and it's {$0.00} balance. 

I have contacted the creditor and received a letter to send to Equifax to report the account. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
I have XXXX. All medical bills are paid through them. But yet I have a collection from XXXX. I didnt give anyone the right to look at my medical records. I would like this removed

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 2020-06-22 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: DataMax Corporation
State: NC

Complaint narrative:
I have XXXX. All medical bills are paid through them. But yet I have a collection from DATAMAX. I didnt give anyone the right to look at my medical records. I would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NC

Complaint narrative:
I have XXXX. All medical bills are paid through them. But yet I have a collection from XXXX. I didnt give anyone the right to look at my medical records. I would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My Victoria secret card says closed. When I call Comenity bank they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer Credit is the holder of my auto title loan. I also learned as I went along in this journey to my dismay that they are also an agressive debt collection agency. I am usually paid up to date for the past year of this loan of about {$5500.00}. But sometimes Im a month behind but I always make an effort to catch up that I always do. Im presently as of XX/XX/2020 a month behind. The virus crisis has not helped the situation as Im unemployed. Im at the mercy of my unemployment check which comes sporadically and not routinely. Im waiting for my unemployment check to catch up. I will not default on this loan, I got this, I dont know what their problems is. 

They relentlessly set their phone dialing machines to endlessly call me and even when I pick up the phone theres no one there on the line to respond. They even call during meetings and in front of my clients for Wilshire not to not see that by doing this they create an environment that is not conducive for their loan customers to earn money to pay for their loans. These people are horrible! They truly are debt collection pigs! Inconsiderate and selfish! 

They will get their XXXX money! They need to be patient, when I get the unemployment check theyll get paid. This is why I gladly pay late charges, thats the cost I pay for the risk they entailed under the circumstances we mutually agreed when I signed for the loan. Thats why I pay a higher interest rate, they knew who they were lending money to! If theyre not willing to put up the risk, then they shouldnt have given me the money!! Ill gladly pay the late charges, unfortunately, the financial industry sees these late charges as strictly punitive, and that has to change with the new realities we face with this economy! Enough!!! 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