vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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:
I personally sent a Dispute Letter via Certified Mail to Experian on XX/XX/XXXX. This letter was delivered on XXXX XXXX XXXX XXXX XXXX XXXX as reported by USPS. 

I included the following information - A personally typed letter of a dispute with an information request - A copy of driver 's license - A utility bill with my full name and address to match my driver 's license and info on the letter This information was not only what my legal counsel advised, but it is also what I was told to provide by 1. ) the Experian website and 2. ) those who work in the dispute department at Experian. 

Today, on XX/XX/XXXX I received the attached email from Experian stating that my dispute does not appear to have been sent directly by me or to be authorized by me. As a precautionary measure, Experian has not taken any action on my request. 

I have provided all the necessary info needed to dispute this request properly. I have called Experian 's dispute department and was told that they couldn't disclose to me why it did not appear to have been sent directly by me. 

Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party.

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 2023-08-03 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: NY

Complaint narrative:
On XX/XX/, my Chase Sapphire card was charged {$1900.00} from a company called XXXX XXXX. I immediately checked my other credit cards and notice an identical charge of {$1900.00} had been charged by XXXX XXXX on my Chase United card on that same day. I called Chase to inform them about the fraudulent charges on both of these credit cards. Chase reversed the charges and began an investigation. 

In the last week of XXXX, I received communications from Chase that they had concluded their investigation and I would be responsible for both {$1900.00} charges. I called Chase to discuss this investigation. They informed me that they had received an invoice that was sufficient for them to determine that I had received the services. I then called the merchant on the invoice and talked to him. He stated that he had previously closed his XXXX account because of fraudulent transactions by scammers. But he could not provide me with documentation. 

On XX/XX/, I called Chase again and was connected with their Fraud Recovery Team. I spoke to a XXXX XXXX who again stated that their investigation found that I was responsible for those charges based on the invoices and proprietary information that he could not disclosed. 

I told XXXX that the company was based in Georgia, and I'm based in XXXX, NY. The company provides power washing services which I would not need since I rent. I told him why would I charge identical amounts on the same day on two different credit cards for the same services. He stated I could have rental properties and that they are multiple reason someone would do that. I stated why isn't my physical address on the invoices or where the services was rendered. I asked him why aren't there any state taxes being charged to me on these invoices. He stated he isn't a tax expert. I told him there is so much wrong with these invoices that they couldn't possibly think these weren't part of the scam. I asked him if my credit card numbers were on these invoices? They were not. There is nothing on the invoices to link my respective credit cards to them. Only my email address and my name, which can be gleamed from my email address is found on the invoice. 

XXXX stated he would send this for additional review. I am not confident given their secrecy, limited contact, and poor logical reasoning that I will not be forced to pay {$3900.00} for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a cashier check from my credit union yesterday, it was a check from selling my car to my daughter. I took the check to Well Fargo band near my house and I deposited it. It was showing a plus right next to the account, the amount was XXXX XXXX Next day, there was no proof of the deposit or any money from this check to indicate a deposit. I went to the bank an $ after XXXX hour, they found it an $ they told m3 there system is still trying to deposit the check and I need to keep checking my account, I bought a car 2 days ago an $ the dealer is expecting a {$15000.00} today. If not the loan is going to be full payment on this car for the amount of {$850.00} a month, an increase of {$300.00} a month because of the bank incompetent. 
Thank you

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 2023-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO

Complaint narrative:
Unless XXXX can show me the value I received for the {$250000.00} they took from my proceeds, it is simply theft. I paid back the full {$350000.00} total of the only two mortgages on my house in the {$500000.00} payments I made to my house since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

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 2023-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i received two text message alerts from Chase that state : CHASE Mobile Alert We need to inform you that your account has been temporarily restricted due to security measures and theres information required to verify the ownership of the account. it then lists a XXXX  url that i have NOT clicked on. i do not have a chase account. the phone numbers that the messages came from were : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have two accounts that are showing as being collected by Portfolio Recovery Associates- one from XXXXXXXX XXXX XXXX XXXX and one from XXXX XXXX. 

I have advised representatives from all three organizations that this debt was a result of identity theft or is in some other way not my debt. XXXX XXXX XXXXXXXX XXXX  account that I have is still on my credit report with the original creditor and is being paid as agreed ( though closed, it is in a payment plan ). The XXXX account, I have never seen before at all ; I have XXXX accounts on my credit report, but all are paid in full or closed with a {$0.00} balance. 

Neither of these accounts belong to me and the address listed on the accounts are an address I have not been at for a minimum of five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have a VA home loan with Flagstar bank since XX/XX/XXXX. I set up an assumption of the VA loan in XX/XX/XXXXXXXX  with a closing date of XX/XX/XXXX, just after my wedding. Through negligence with Flagstar and their loan processors we have had to set the closing of the house back three different times. At this point, I have moved from XXXX XXXX XXXX to where my husband lives. I have accrued fees and late payments that I was not prepared to make due to the lack of due diligence on behalf of the loan processors at Flagstar bank. I have emailed the bank, my relator has emailed, the buyer has emailed, with little to no response. During one conversation with my relator and the loan processor, it was stated that the process was on hold because there were new VA requirements needed from the buyer, and it was asked if those requirements had been sent to the buyer and the loan processor said " well not yet '' I do not believe that Flagstar was working in the best interest of their customer ( me ) or the buyer of my property. This has put me into a financial hardship to where I can not make the last two mortgage payments and they can close on the house without those payments. My credit score has been affected by this as well as my XXXX XXXX. I am doing my best to make arrangements for the payments to be made, but I believe that someone needs to be held accountable for their lack of urgency in this process.

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN ALLIANCE BANCORPORATION
State: MN

Complaint narrative:
On XX/XX/ I received a letter from Western Alliance Bank that they are taking over the servicing of my loan and I must contact them by XX/XX/ to stay enrolled in the ACH monthly payment that we set at the previous mortgage servicer. I was traveling outside of the US at the time. Upon my return to the US, I had received letters that I was late on the loan payments, which I was unaware were transferred to another servicer. I immediately called Western Alliance Bank and the customer service rep assisted me in making a payment and informed me she reinstating my ACH. Two months later I received more letters that my payments are not being received and there is no ACH set up, that the previous service rep processed a one time payment the ACH could not be completed as the one time payments had not been processed and the ACH was not allowed. I now have a 30 day late payment on my credit report. I received nothing from Western that the ACH was not in place, but I was told by the service rep over the phone that it was now actively in place. Again in XXXX I set up the ACH over the phone with the servicer and was told it was set up. Shockingly this happened again a 3rd time on XXXX XXXX that they had not received the previous moth mortgage payment. I now have been charge several XXXX dollars in late fees and have derogatory posting on my credit report from Western Alliance bank. Through the past few moths, I have called several times but my calls get disconnected or stuck in their automated phone system. When I do get through, they assure me they have corrected the matter. It is not corrected to my satisfaction. Their customer experience is terrible and their website interface is not effective in managing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: NJ

Complaint narrative:
I have several hard inquiries and accounts fraudulently opened in my name after 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 non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
AMSHER COLLECTION SERVICES XXXX : {$240.00} ORIGINAL COLLECTOR : XXXX XXXX DATE OPENED : XX/XX/XXXX  My credit has been damaged due to a fraud account with the use of my name and personal information with a XXXX point drop. I am very upset. My name and social security number has been compromised through fraudulent activity with XXXX I called XXXX and spoke to XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) we both discovered that the account was fraudulent and not mines. She was made aware of my business account with XXXX in good standing. She took further action to call the 3rd party collection company Amsher Collection Services and let them know of the account not being mines and the fraudulent activity with XXXX She spoke to a representative and they made the decision to open a fraud claim because XXXX told her the account wasn't mines. The representative with Amsher Collection Services tried to refer us to the fraud department but was unable to get in touch with a representative in that department. She proceeded further to give XXXX the attorneys number who handles claims for fraud. When we called they stated they couldn't speak to the XXXX rep so XXXX hung up and I proceeded to tell them what happened and gave them my name and amount of the bill on my credit report stated above in the amount of {$240.00}. She stated there wasn't an account in my name nor in their database to open the case. 

Furthermore, I wasn't contacted or notified about this account via mail from XXXX or Amsher Collections Services before being placed on my credit. Nor do I have an account number to reference this account with these stated companies. My rights and identity have been compromised and violated without my permission. I would like this account to be removed from the 3 credit bureaus with an immediate recourse of action.

Company response to consumer: Closed with explanation