vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I have contacted First Federal Credit Control on a matter that pertains to my credit. I have been a victim of fraud. I sent First Federal Credit Control a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to First Federal Credit Control to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, XXXX ) and First Federal Credit Control disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay First Federal Credit Control and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/2021 I noticed {$2000.00} missing from my savings account with Chase Bank. I've been to a Chase office on 3 separate occasions and opened up claims with Branch Managers and 2 claims over the phone with no resolution. I've been diligently saving money for a new car, I was done saving as much as I could on XX/XX/2021 at which time I saved {$8000.00}. All of my transfers were from my Chase Checking account directly into my Chase Savings account via Chase Mobile App. The history of some of my mobile app transfers is missing and it only shows my balance reaching {$6000.00}. All of the Branch Managers say the same thing, your balance was not greater than {$6000.00}. There is suspicious activity in XXXX showing amounts I never processed. I went into XXXX Branch on XXXX XXXX on Sat XX/XX/XXXX, I went into XXXX Branch the following week after the initial claim was not resolved. I received a letter from a claim opened over the phone for {$2000.00} which I am attaching to this complaint. Today I went into the XXXX XXXX Branch and this counts as my 3rd branch visit. I purchased cashiers checks for the balance in my savings acct for {$3000.00} & {$3000.00} since I didnt want to lose any more money from my Chase Savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: OH

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX XXXX a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX XXXX XXXX to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, experian ) and XXXX XXXX XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX XXXX and the collection agencies could not provide that information. I want this information removed 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 non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
TO : XXXX XXXX XXXX & Planet Home Lending LLCCC : ConsumerFinancial Protection Board RE : XXXX # XXXX / Planet Home Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBorrowerName : XXXX XXXX XXXX I refinanced my Chase mortgage with XXXX XXXX.At the time of signing my loan docs, I set up auto pay with XXXX from my Chasechecking account.As my first payment ( XX/XX/XXXX ) got near I contacted XXXX to find out if the Auto Pay was set up so I would not have to mail in a check.After many attempts, I was assured it would be fine but come XX/XX/XXXX the payment was not withdrawn.I immediately contacted XXXX and they said it was fine. It would just take a few days to show up in my bankaccount.I again contacted XXXX who said not to worry, just be patient, it will clear.Finally, on XX/XX/XXXX the auto pay hit my XXXX account for {$2900.00} ( ID # XXXX ) and I figured- ok, they finally got it right - problem solved. 
WRONG - problem just begun. 
On XX/XX/XXXX I got a letter from XXXX XXXX : NOTICE OF SERVICING TRANSFER - The letter was dated XX/XX/XXXX! and informed me to send all payments due on XX/XX/XXXX and after to Planet Home Lending - this is some 2 weeks AFTER my payment was due and obviously after it was PAID.The letter also stated XXXX will stop accepting payments after XX/XX/XXXX ( a lie, XXXX XXXX did an ACH debit on XX/XX/XXXX as noted above ) .The letter went on to say " if your payments are automaticallydeducted from your checking account, XXXX  will discontinue this service as of XX/XX/XXXX '' - again a LIE, they did charge me and again this letter was written a week+ after this deadline. 
As for the folks at Planet Home Lending, they are no better, perhap worse.They sent me a letter ( to the wrong address ) dated XX/XX/XXXX ( from CT!! ) " IMPORTANTLEGAL NOTICE '' that as of XX/XX/XXXX XXXX be transferred to Planet Home lending - Again the transfer was WEEKS ago! 
I called XXXX on XX/XX/XXXX and first corrected their mistaken mailing address. Then I asked about the status of the XXXX payment- they showed no payment made and that I would have to contact XXXX. They could not help, had no records etc. The rep I spoke to struggled to speak English and could see nothing in my file. 
I did send in the auto payform to Planet yesterday but I have little faith they will receiveand process it in time for my XXXX payment AND since they are unaware of my XXXX payment having been made- they will likely incorrectly apply it to my XXXX balance and try to charge me a late fee. 
I am filing this complaint with the CFPB as I have zero faith that either of these entities, XXXX or Planet, will correct all of theircompounding failings. 
Please respond ASAP, before we reach XXXX and it gets even more screwed up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
This collection was reported to my file in error of someone with a similar name but different address. I contacted LVNV in attempt to correct and the representative was only willing to mail an affidavit which I never received. The representative was not willing to verify my identity as incorrect even after my SSN was not on file with an account they hold. Credit bureaus are working to remove this error. This is a time sensitive matter as I am in the process of closing on a home when this error appeared and is affecting my loan terms. Companies should be held accountable for misreporting consumers information and all verifications of identity should be thoroughly checked as many people share similar names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. XXXX has honored the discrepancy and removed the account. Experian needs to do the same because this account is fraudulent and various inaccuracies.

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX about a collection that they claim I owe them .. To the best of my knowledge I am unaware of this debt and I asked in my letter that I mailed to them certified XX/XX/2021 and i asked repeatedly in my letter for a request for validation and instead of honoring my request this company reported this unknown and unverified debt to the credit bureaus ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. 
If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield & Associates is attempting to collect a debt from XXXX & XXXX XXXX. The debt is not valid. I've repeatedly requested a XXXX XXXX XXXX from Wakefield & Associates. They refuse. Additionally, I have already responded to XXXX via letter disputing the alleged debt. 

I hired XXXX & XXXX XXXX to collect my trash. They didn't show up 3 weeks in a row, so XXXX investigated & returned my stolen money to me. XXXX & XXXX then rebilled me for the exact same amount I was just found not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NM

Complaint narrative:
PNC took control of XXXX accounts on XXXX. Since the takeover, I have not been able to access my money in multiple personal and commercial accounts. I have {$3.00} XXXX in accounts in multiple states that are inaccessible to me. I have gone to the local branch they couldn't access my accounts and could not offer assistance. I have waited for 2 hours on the hotline only to be redirected to Managers that could not be of assistance. We have followed every protocol provided by PNC and still can not access our accounts. We have spoke directly with a VP of customer relations, XXXX XXXX, at PNC who said that there is no resolve in sight. We understand that this is affected thousands of other PNC customers. I need access to my money for my businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Opened a checking account with Citi in part, to obtain the bonus they advertised for people who deposited over XXXX and maintained at least that balance for 60 days. However, no bonus has ever been paid. 

Funded/Opened XX/XX/21

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 2021-10-20 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: Premium Credit Bureau
State: IL

Complaint narrative:
I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I did not sign a HIPPA form authorizing this agency Penn Credit Corporation to access my medical records so as that being said the agency violated HIPPA. I sent out a letter asking them to validate the debt and they failure to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Collections
State: ND

Complaint narrative:
I keep receiving multiple calls a week from different numbers at AAA collections in XXXX XXXX South Dakota. The caller won't answer and is silent then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a personal loan by the XXXX XXXX XXXX on XX/XX/2017 for the amount of {$1600.00}. While making payments I eventually couldnt pay anymore. So the company took action and put a wage garnishment and took money from my checks and deducted over {$1800.00} the amount owed was paid in full. After the payments were made the creditor added an amount of XXXX and does not want to give me information on why its there on my report. The company does not cooperate very well. Ive tried for a year to resolve this but the company is refusing to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I submitted an Affidavit of Truth to Capital One on the XXXX of XXXX and that Affidavit of Truth was also notarized as well. Capital One closed my account wrongly because Banks can not issue credit. According to 15 U.S. Code 1602 ( a ) ( f ) ( g ) I am the Original Creditor and the Card Issuer and the Original Creditor, the consumer/natural person, gave the corporation permission to extend MY credit to me. By me being the Original Creditor, a corporation can't talk, its lifeless, cant extend to a living natural person, such as myself. The Original Creditor, me, the consumer does the granting. I sent Exhibits to Capital One as well. They know that they were in the wrong because they have sent letters to me so that I can call to re-open my account ; but every time that I call, a rep. says that my account is closed and there is nothing that they can do about it. There is NO such thing as a CLOSED account because credit cant be shut down. Banks can't close anything that they don't own. I will upload the documents and letters from them as well. The solution to the problem is for Capital One to give me MY line of credit of {$11000.00} back and I would like for them to honor what I asked for in my invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been a victim of identity theft. For over a year now i have tried to clear my credit from all these fraudulent accounts. However Experian has been the only credit bureau that is not cooperating. They have not sent me valid documentation with there investigation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The collection account number I'm refering too is :

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The addresses that are being listed do not belong to me, I have never lived at any of the addresses listed on my credit reports.

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 2021-10-20 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: CarMax, Inc.
State: FL

Complaint narrative:
This is for a closed account. 

The company reported incorrectly late payments in several occasions. 

The company refused to give me the information about payment dues. Their website doesn't work while traveling abroad for work. I sent them many request via mail, fax, email, with no response about the issue. They never call, sent letters, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has intentionally or refuse to remove inaccurate information on credit report. It Clearly has No close date and only say No Info, therefore that is inaccurate information. Transunion need to remove immediately according to fcra violation that transunion has submitted on credit 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 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a charge off on my credit report for {$4200.00} from Chase bank. Ive never had a Chase credit card and would like like this deleted from my credit report. It's really effecting my credit score and I never caused the debt. I've never had a Chase credit card in my life. Please help. It was opened XX/XX/XXXX and the charge off was on XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation