vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I became aware that this account was opened on XX/XX/2017, when my wife received an email regarding a new account with XXXX. 
I contacted frontier immediately, and even spoke to their legal department over the course of several phone calls. After speaking to their legal department and discussing that I had never even spoken to someone at frontier and the account was opened fraudulently, I was assured that this would be resolved. 
When I pulled my credit report recently, I realized that the account has been put on collection, and I was not even notified about it. 

I want this account removed from my credit report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX. I was approved for a {$10000.00} grant by the SBA since my business took a dramatic loss because of the corona virus. The {$10000.00} was credited to my account on Monday XX/XX/2020. I used my account for two days with no problems. Then Wednesday, XX/XX/2020, my account was put in the negatives {$2000.00}. TCF took the money back and put my funds on hold. I called to settle the problem, they then told me I had to go up to my nearest branch with proof of business. I went up to the branch on XXXX XXXX in XXXX XXXX, Illinois with a business card, a flyer that I had for deals on my XXXX  from XXXX, my social security card, my ID, and a print out of my SBA application with the application number and my XXXX on there. TCF then called me later and requested more information, and still refused to move the hold. It is now XX/XX/2020, 10 business days after the funds were deposited and TCF has yet to remove the hold off of my grant. Can someone please contact TCF on my behalf and get this hold removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR

Complaint narrative:
Around XX/XX/XXXX I notified my Mortgage holder that the Property address on my Mortgage Statement was incorrect. I've been corresponding with them ongoing concerning the correction that's needed. They went back & fourth for months through XXXX changing the mailing address! Finally they realized after much paperwork, it was the property address & also the Deed of Trust was written & documented wrong! XXXX XXXX & now it's XXXX I'm still getting the run around. 

XX/XX/2020 they sent me a generated letter after my writing a long letter to them about my concerns of why this correction is taking so long. I've sent them documented proof from XXXX County, the tax statement which has the property address on it & still this generated letter states there reviewing it. 

I'm so frustrated with this can you please help me? 

Thanks

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 2020-07-06 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: VA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY 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 2020-07-06 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: VA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY 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 2020-07-06 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: TX

Complaint narrative:
FTC Violations XXXX XXXX {$1300.00} XXXX XXXX  {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-07-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2020-07-06 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX i mailed a certified letter to titan receivables inc to verify a debt of XXXX $ i observed on my credit report. according to the fair credit reporting act they have 30 days to verify my letter or remove it from my credit report. i also mailed a verification letter XX/XX/XXXXin which they did not respond. i would like this collection removed from my credit report because i have not signed any contract with this company also they failed to verify

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/XXXX contacted XXXX XXXX LVNV Funding LLC/XXXX and XXXX XXXX for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and LVNV funding last reporting activity was XX/XX/XXXX, and no updates world financial was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I opted in for a forbearance with my mortgage company XXXX XXXX earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and XXXX XXXX still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.

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 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
For weeks I have tried to login to my account. The website keeps providing the message " Network error. Please try again later. '' This message is received after entering my user name, answering the challenge question and providing my password. This is preventing me from managing my account online and as a result I have to send payments through my bank 's bill pay option.

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 2020-07-06 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: MD

Complaint narrative:
XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency

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 2020-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello Guys. I'm glad I was able to find you. Experian, XXXX, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.

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 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Harassment. Threatening to go to my job, calling over and over in short periods if time. Will not contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Some time back I called Chase about not being able to use the chase.com website or app on my phone. There had been a series of glitches that left me unable to access my account online. I had two Chase cards. By the time I called them I was so frustrated that I stated that I would like to cancel both cards. Obviously, they wanted me to talk with an advisor before canceling the cards. I was transferred to an advisor and eventually was able to access my account online. The advisor then asked if I wanted to keep the cards open or cancel to which I responded that I would keep them. A few weeks ago I learned that Chase had cancelled one of the cards -- -incidentally a card that they are no longer offering and has unique benefits for travel. Chase had not cancelled the other card. I called and was directed to a supervisor who offered to reinstate my card, but, by pulling a credit check, however she said that she understood my not wanting to do that and would be willing to escalate my case and have the audio file of the phone call reviewed in order for them to respond to my concern. I agreed to that. I was told that Chase would get back with me with their findings. Today, nearly four weeks later, and, having received no word from Chase I called again to receive the status of my case. I was told that a letter had been sent which stated that my situation had been escalated as far as it could go. I responded that I had not received a letter and asked what the audio file had revealed, knowing that it would make clear that I had not asked for my account to be closed. The response from the supervisor was that they were unable to tell from the audio file. She went on to say that since 60 days had passed, they were unable to reinstate my account. I have a perfect credit history with Chase and have no explanation as to why the company has handled my situation in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX my credit card account ending in XXXX became120 days past due. The months after from XXXX - XXXX of XXXX, the company has reported a missing history to XXXX and XXXX. From XX/XX/XXXX XXXX XXXX the company reported a Charge- off every month, for a total of 28 charge-offs. This fraudulent method of reporting damaged my credit- resulting in me being forced into a settlement agreement to improve my credit. The company has effectively limited my ability to apply for and receive credit by making it appear as a new charge-off was filed each month. Basically, re-aging the charge-off. 

According to IRS, Section166- Deduction for bad debts 26 CFR 1.  166-2 ; Evidence of Worthlessness, after 6 months or 180 days a debt must be charged off. 

The above referenced statue dies not mention the ability to legally, repeatedly charge off an account that many times. They have violated the FCRA, by reporting multiple inaccuracies on a routine basis. I personally believe this is a pattern of bad business conduct by JPMCB and perhaps thousands of customers being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: CT

Complaint narrative:
I have used Square to receive payments for several years. Two weeks ago someone hacked their site and put a {$400.00} charge through on my account which I immediately refunded. I then continued to take payments after changing my password. Now they will not transfer my money into my back account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Signing up to XXXX and I am not able to link my bank account so that I may add funds to my account to begin investing. When trying to do so, the XXXX XXXX informed me that PNC was not allowing this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XXXX, XXXX, XXXX, I received a notice from Midland, claiming they were considering a lawsuit against me, in regard to an alleged account with " XXXX XXXX/XXXX ''. I contacted Midland, via Certified USPS, on XX/XX/XXXX, to dispute the validity, and alleged balance within 30 days, I also asked they not contact me during this period. Then I received a " second notice '', from Midland, dated XX/XX/XXXX, during that 30 day period. I contacted Midland again by Certified USPS on XX/XX/XXXX, to demand a response to my request. I never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have been on unemployment since the beginning that the COVID-19 pandemic hit, XX/XX/2020. I have received weekly checks from unemployment direct deposited into my Wells Fargo checking account since XXXX. On XX/XX/2020, I was trying to use my card to pay for groceries and I received that my card would not go through. When I tried to take money out that same day, it also would not let me take money out. The next day, XX/XX/2020, I contacted a Wells Fargo representative only for them to inform me that my account has been frozen due to " fraudulent activities. '' I was never contacted by a Fraud Prevention Specialist or received a claim number to identify my case. I am now going on 3 weeks and I have been informed that the reason my account has been frozen is because the unemployment checks that have always been deposited into my account have my mother 's maiden name, which is XXXX. I called unemployment and asked them to please confirm that my name is correct and they made the switch. I took this information along with my mother and her passport to confirm that this was just a last name typo and the change has been made. The banker informed me that due to this being " fraudulent activity '' they will be closing my account by Thursday, XX/XX/2020 and I will not be having my money returned. This is not only tarnish my reputation and credit but also lose the money that belongs to me.

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 2020-07-06 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: IL

Complaint narrative:
I filed a police report and affidavit and mailed it to the credit bureaus and the creditor XXXX. XXXX stated they told the credit bureaus it was fraudulent, but Experian and XXXX refuse to correct the issue. Experian keeps changing my information in their system without my permission. I gave them my address and phone number. I had the police and discover call with me, but Experian kept hanging up the phone on us. I want my correct name, address, and phone number on my file and the fraudulent accounts from XXXX XXXX XXXX and XXXX removed. They have wrong employers listed form me that I want removed as well. This is how my identity has been stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is 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