vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I have contacted this company XXXXXXXX XXXX  XXXX XXXX ) now in collections with ( NATIONAL CREDIT SYSTEM ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. NATIONAL CREDIT SYSTEM only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done XXXX XXXX XXXX XXXX will not remove the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Complaint filed, XXXX company agreed to fix problem. They failed to do so on the one bureau that counts XXXX. Once again another deceptive act on behalf of Comenity bank. There were no late payments in fact paid early.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: Rocket Mortgage, LLC
State: OK

Complaint narrative:
XXXX they take the company side every time I had a dispute with XXXX XXXX and it was not my account syntroney bank added my name to the account when my wife filed bankruptcy I am suing them now. Now XXXX is siding with quicken loans they aboved my loan they up the closing cost to over XXXX I sued them small claims and they paid me But they ran my credit 13 times I have no idea why thAt could happen. I want this off my record quicken loans is a bait and switch company this wasnt on my credit until I sued them then they added all the credit checks to get me back. If they are in the right just so up for court instead of paying I have proof of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
This complaint is about the following account with Mercedes Benz : XXXX XXXX, XXXX XXXX. 

In XX/XX/XXXX, the company I am a XXXX XXXX for ( XXXX XXXX XXXX ) purchased a vehicle at Mercedes Benz XXXX of XXXX. At the time the dealer was made aware this was a corporation purchasing a vehicle and the dealer told me since I am one of the XXXX XXXX, I would need to sign as a representative of the company, however the account would not show on my credit report. 

So the contract I signed stated the buyer of the vehicle is the corporation ( XXXXXXXX XXXX XXXX ), and there is no co-signer or additional borrower. 

Fast forward XX/XX/XXXX, the account is showing on my credit report and also it is reporting a late payment for XXXX XXXX, as somehow the company book keeper had problems accessing the online account. 

Now this has destroyed my perfect credit. XXXX did not send me any notices about this either stating they will be reporting adverse information to my personal credit report. 
My company has every intention of paying on the vehicle, however, there is no contract between myself and Mercedes Benz Financial. 

Due to this I am demanding that the late payment or the entire account be removed from my credit report. 

I do want to resolve this matter amicably, however, if this matter is not resolved, I will file the attached arbitration demand to get this matter heard by XXXX arbitrator. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have consistently been charged interest incorrectly on my Amex card. Each month for the past few months they have incorrectly calculated a balance due to interest ( I have a 0 % promo active ). I get charged interest, I contact the company and point out the mistake, and then they apologize and reverse the charge while promising it won't happen again. 

After 3 consecutive months, I'm fed up with the back and forth and so am submitting this complaint. The worse part is, I have made multiple payments each month, and they total to above what the alleged balance subject to interest is - and yet that balance stays the same each month, continuing to trigger an interest charge that has always been incorrect

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 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:
Inaccurate inquiries on my credit report. 

XXXX  XXXX  XXXX -Inquiry XX/XX/2020 XXXX  XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Our mortgage servicing was switched to PHH Mortgage on XX/XX/2021. Since that time, I have not been able to pay my monthly payment through their website or app. The only options available to me have been pay-by-phone and Western Union. The problem with this is that both of those options cost me an additional fee ( ranging from {$7.00} to {$17.00} per transaction ) as well as both being much less convenient than paying online or through the app. Per PHH Mortgage 's website and customer service representatives, you can pay online or through the app with no additional fees provided you are enrolled in electronic/paperless billing, which I am - since the very beginning. I have contacted them multiple times ( 10+ ) and spent literally hours on the phone with their representatives as well as their escalation managers. As of today ( XX/XX/2021 ) absolutely none of them have been able to resolve the issue. Several of the representatives were less than helpful at best, and those that tried to help were ultimately unable to rectify the problem. I have been told several different things that were not correct, such as ( paraphrasing ) " your account has been flagged for foreclosure '' and " there's an issue in our web department '' and " you're trying to make your payment during a blackout/changeover period ''. The only excuse I've been given that even seems legitimate is " there is a flag on your account relating to the Office of the President ( of PHH ) ''. The most helpful representative to date has been Escalation Manager XXXX, who gave me a direct contact number of ( XXXX ) XXXX XXXX to reach her. I certainly appreciate her efforts, but she too has been unable to resolve this. 

My request ( as I've told so many PHH Mortgage representatives ) is simple : I want to be able to use the methods I'm told are available to me ( web login & app ) to make my house payment in a timely, straightforward manner, and not have to deal with calling in & re-explaining the situation every four weeks to a new representative while having to demand that the payment processing fee be waived since the problem is in their system and clearly not anything I can correct. It has been four months since PHH Mortgage took over servicing of my account, and hardly a week has gone by that I have not talked at length with one of their representatives. 

I am now at the point where I need to make my XX/XX/2021 payment and I still receive messages through the website and app that online payments are not available to me. 

I have attached a photo of the notice I receive when trying to make a payment online or through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am a victim of identity theft. I have contacted this company XXXX XXXX  XXXX XXXX ) now in collections with ( XXXX XXXX XXXX ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. XXXX XXXX XXXX only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done State Employee Credit Union will not remove the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: CO

Complaint narrative:
When I checked my credit report I was shocked to see a account of XXXX this is identity left and fraud this is not my account, I want this account removed and never put back on my credit report again. 

According to the Fair Credit Reporting Act you must provide MAXIUM possible accuracy Pursuant 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
LoanCare made an erroneous unauthorized disbursement from my escrow which caused my escrow to become short. I used this disbursement to pay my property tax bill which was still outstanding. The company then made an additional payment to my property tax bill causing there to be a credit balance. I have persistently called the company week after week to ensure this credit balance will be collected and applied back to my escrow, however, this hasn't taken place and I can't even confirm if they reached out to the Office of Tax and Revenue at all. The company has placed a prorated shortage on my mortgage bill and refuses to provide a credit to my bill to fix their mistake.

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 2021-10-21 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit

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 2021-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/2021 & again after reopening and reviewing the claim on XX/XX/2021 my claims were closed.The last explanation given from my financial institution was to get merchant to agree to refund, and then Ill get my money back. The amount is {$570.00}. The financial institution requested email and phone correspondents, ticket confirmation, and the refund policy from merchant. All of which were provided. Merchant event stated event was still scheduled however the event happened 3 months prior. I have been actively disputing and trying to contact merchants and updating information with financial institution to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: NC

Complaint narrative:
Creditor by the name of Protect Your Home filed a collection on all 3 of my credit bureau reports around XXXX with the collection agency listed as Mountain Run Solutions. I disputed the information online and the collection was removed from both XXXX and XXXX. XXXX stated the debt was verified after multiple attempts to dispute the debt. I have never had an account with this company or requested their services. Last month, XX/XX/2020, the collection has reappeared once again on all 3 reports despite it being removed from a previous dispute. I then filed another dispute with each bureau- XXXX would not allow another dispute on the account and the other two stated it as verified. I have sent multiple requests to the collection agency and original creditor for verification of debt and they have all went unanswered. On XX/XX/2020 the collection agency reached out to me via text message and sent a Dropbox link that supposedly contained my contract. This link, of course didnt work. He then volunteered to send it via text in that thread, to which he did not. He then said he could send it via email and I provided an email address and to date I have never received it. I directly asked in the text message if this document was a contract direct with protect your home complete with my signature etc, he stated that the FCRA requirements only state they have to provide a document certifiable that the debt was mine- literally a sheet of paper stating I certify this debt is valid and belongs to is all it needed to say and that a signed contract or document of any kind was not required. I told him I never have had an account with either party and he did not send any additional responses.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
According to the recent Annual Credit Report dated XXXX company Cache LLC has reported a debt of XXXX. This charged was disputed as a fraudulent charge originally in XXXX and again in XXXX under the name XXXX. Previously named XXXX. The credit bureaus favored the decision and removed the charge from the report. however the company has resubmitted the claim under a different name 3 times. The companies have provided no proof that this is a legate charge to the individual. I have notified the FTC. Along with the 3 major credit bureaus. This has become an ongoing process. The CFPB needs to assist in implementing regulation to prevent this type of double jeopardy reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX  XXXX  XX/XX/XXXX 5. XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX 6. XXXX XXXX/XXXX  d XX/XX/XXXX 7. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX  XXXX  XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XXXX  XXXX  XX/XX/XXXX 16. XXXX/XXXX  XXXX  XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company portfolio recovery solutions has debt that has been paid off and has been removed from my credit they continue to call and harass me calling after XXXX and before XXXX XXXX and I have repeatedly told them to stop. They continue anyway. Most recent phone call was today XXXX at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21 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: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from my credit file.

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got my freeanualcreditreport yesterday and extremly shoick due to there was 7 unauthorized hard inquiries credit : TRANSUNION : ( 8 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX : ( 2 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX ( 5 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : US SM BUS ADMIN ODA and all the soft inquiries in 2 months curently

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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I received a letter addressed to me in my maiden name from Chase stating my application can not move forward until i contact transunion and lift the freeze then call them back at XXXX XXXX XXXX. 
1. I never applied and woukdnt in maiden name. 
2. First thing that # asks for is social. I hung up 3. I XXXX chase and called number. The options sound exactly like when i called the chase # from my moms credit card. 
4. The number called was XXXX XXXX XXXX. They asked name... maisen and married, social, address and said the address did not match. When i stressed it was fraud they put me on hold, 3 min later i got beginning recording, waiting, spoke with rep who asked social, said she could not verify my identity and asked for phone #. Said she would call me back in 30 seconds to verify my identity 5. I then went on and called chase # on back of moms card again. They put me thru to fraud who then put me to application dept. I hung up after 8 mins.

6. Went online and verified all 3 credit agencys have my credit reports frozen. 
7. I am worried they might try something funny as far as taxes or use my social in some other manner.

Company response to consumer: Closed with non-monetary relief