vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I keep contacting Chase about my Checking account and spoke to about 35 different Chase employees all contradicting one another. Chase employees have blamed me for actions that took place on the Chase online banking platform. I have clearly been a victim of identity theft. Chase also has made insinuations that maybe my boyfriend or family member has done this to me. On top of all the fraud on my credit and checking account. Chase has the nerve to send countless letters to my home that further contradict what I've either have been told via phone. I don't have online banking so I can onky go by what Chase employees inform me of. I'm putting this complaint just for not being treated respectfully or fairly. I just want answers and I can't seem to get a clear answer regarding when my {$3700.00} will be returned to be that has been stolen from my checking account via Chase online banking, just the trouble I've dealt with from Chase employees deems reason enough to get my money returned not to mention it was Chase online banking platform where the stealing happened. This is identity theft as well as a financial crime because someone besides me accessed my account and stole {$3700.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, 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 am writing to request that you please 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 the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: IL

Complaint narrative:
I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
One XX/XX/2018 I sent a letter to Portfolio Recovery Company requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am working with XXXX XXXX XXXX. XXXX XXXX XXXXf settled with these two companies and it is being paid monthly. XXXX should not have this bill in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian complaint # XXXX response back on XX/XX/XXXX is that Experian is opt me out of marketing and promotional in fact I was already opt out since XX/XX/XXXX and have proof to where Experian responded back to the CFPB about the issue of opt out. So now Experian says I'm on opt out I never stop. I also got all these companies tracing back to pay day loans that they claim is Experian. I also file a complaint and supplied the letter from Experian I'm opt out as proof. I'm not going to play the games and XXXX by Experian and lies. I been opt out for 2 years and update by letter to being opt out. it seems like fraud so we let the US attorney office look into the issue. I also see other people have filed on Experian as well to the issue at hand. It's nothing but words botch and lies to the fact of the matter that as of XX/XX/XXXX I'm opt out of something I was already done and now Experian twist it in another matter. See you in court

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 2018-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
One XX/XX/2018 I sent a letter to XXXX XXXX XXXX requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I am the personal representative for my deceased cousin, XXXX XXXX XXXX. My cousin passed away just over a year ago, XX/XX/XXXX. I was not provided with the Letters of Personal Representative until this XX/XX/XXXX. At that time, XX/XX/XXXX, I started visiting his banks and closing accounts. After closing his main checking account, and after providing evidence of his death, I was notified by TIAA-CREF that all automatic payments into the account from his retirement annuity must be repaid back to them. This seemed to make sense, but using that same reason, it also seemed fair to assume that all payments made from that account, using the money that was deposited to that account by TIAA-CREF should then also be returned to the account, or now, the estate, since the account is now closed. We contacted all those who received money from the TIAA-CREF deposits, and for the most part all have repaid that money to the estate, except OCWEN. OCWEN has failed to pay back {$9100.00} of the money they automatically withdrew from that account. 

XXXX XXXX for their part in this provided contact information to most of the parties that received automatic payments from the account. We had to contact each of those individually, some of which were XXXX XXXX branches, but they seem to have all paid back the money that was withdrawn from the account, except Ocwen. 

Ocwen, who received all proceeds from the sale of the house, states that the payments from the checking account were part of the sale of the house. We feel that Ocwen should have know of any laws concerning automatic payments from the checking account of a person deceased, and should have known they would have to return those funds. 

The house had lost value and was not able to be sold for the amount owed on the mortgage to Ocwen. A short sale was agreed to and when the house sold, all money went to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I been a victim of identity theft I have 2 collections accounts on my report one XXXX  and the other XXXX that were open fraudulently in XX/XX/2017 I also have a bankruptcy thats reporting that was not done by me I have submitted all necessary documentation and also a police report these 3 items are effecting me tremendously Im trying close on a home and this is stopping me from achieving my goal. By law a dismissed bankruptcy do not have to remain on a credit report Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
My Bluebird account was previously linked to a prepaid debit card ending in XXXX as a funding source. This card, issued by XXXX XXXX XXXX, was reported lost/stolen and a replacement card ending in XXXX was sent. I attempted to link this card, issued by the same bank, to my Bluebird account and the error messaged I received stated I need to check billing address and or CID code.. Prior to this, I received a different error message stating there was some type of system error and to try again later. I received varying different reasons for such error, three in total. Most recently, I've encountered a different error message when the same card type was linked prior, as stated before. Again, I received varying reasons for the error, the first gentleman I spoke with stated he could see my card linked on his end and that I needed to verify trial debits on my card, he instructed me to go back on Bluebird site to verify such debits. He was explained several times that I do not see what he is seeing on his end and that it showed my card was NOT in fact linked. A person by the name XXXX XXXX replied stating again that a prepaid debit card is not allowed as a funding source when such card was in fact linked prior.. This is the same individual whom refused to investigate fraud charges made on my account and had to resolve some of them directly with merchant, XXXX XXXX XXXX XXXX, he or she finally relented after numerous CFPB complaints and decided to investigate charges made from XXXX in which someone payed a " freakslette '' two amounts of XXXX and XXXX on XX/XX/XXXX using my card. Additional fraud transactions to XXXX XXXX   XXXX XXXX were resolved after filing complaints against merchant directly. As you can see, this individual will not relent unless repeated complaints are filed and has directed me to call Bluebird and ask for " FLOS '' department with questions about this matter ... No further calls will be made, complaints will be filed instead as I've already made attempts to resolve directly, which have gone nowhere. Their service is very poor to say the least and only offer useless apologies for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
talk to the original creditor if they informed me that the dead is 20 years old good standing with the company you can open an account at any time send a letter on XX/XX/XXXX to collection agency along with all three credit reporting agencies and XXXX XXXX They have not responded within the 30-day. They have not removed the claim from my account I have no contract with this agency it before no services for me they are committing fraud I want this account removed XXXX XXXX c/o resurgent capital services for a XXXX account for XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian won't remove an incorrect item off my credit report. I never owed the amount. Online retailer never properly refunded returned clothing, then piled on late fees. I never owed them anything.

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 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have began to default on my American Express card. I am in the process of obtaining paperwork to begin bankruptcy. This week, several harassing phone messages were left on my parent 's home answering machine. I did not disclose this number, in any way shape or form, and I have not lived with them since XX/XX/1999. My wife 's parents were also called regarding this debt. My wife is not on this card, and her parents number has also never been disclosed. This has caused many issues within my family as well as my wife 's family. This has not come from a third party collection agency, instead directly from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2018, i saw an unauthorized transfer from my checking account to an unknown number for the amount of {$1000.00}. I immediately went to the chase bank closest to me and tried to stop the transfer. The person who helped me called the fraud department and tried everything she could to help me stop the transfer which couldn't be stopped. The fraud department assured me they would conduct an investigation regarding the transfer, advised me to close my account and open up a new one and in the mean time they would provide me with a credit. A few days later i go to the bank and ask about the investigation and the credit, and they informed me that they didn't find any fraud activity on my account, which meant i wouldn't get my money back. Even though I didn't authorized this transfer and did a police report for grand larceny. I tried multiple times to fix this problem with the bank and the claims department. One time i even had a super visor tell me that i had to proof that the transaction wasn't me. Please i am in need of your help, that money was a refund check i received from the government to buy my books for the semester, and now I do not have the funds to buy any of my books.

Company response to consumer: Closed with explanation