vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At the end of year XXXX CHASE bank made me pay {$390.00} becauseof a shortage on my account, which I paid for XXXX beginning.. the escrow acct go from XX/XX/XXXX to end of XXXX, XXXX I Requested to see my escrow acct not only I was not in a shortage but I have a balance of {$2000.00} on XXXX XXXX making a XX/XX/XXXX balance of {$2900.00} to start the year ... I never missed one mortgage payment or be late .. I make an automatic advance every 2 weeks to pay the next month mortgage ( I use this to minimize my interest in the long run ) and give me 2 more payments every year which could be applied on the principal or escrow if needed it. 
.On XX/XX/XXXX after Chase payment of the property tax it was a shortage of {$140.00} XXXX payment ( {$590.00} ) making a balance of {$440.00}, XXXX {$1000.00}, XXXX, {$1600.00} ..plus an extra payment of {$910.00} from 2 weeks over pay, making a balance of {$2500.00}, not {$1900.00} ... .. there was a lot of confusion after I called to put my 2 years extra payments ( included extra of XXXX ) on my principal, the conversation was recorded and easy to listened to and all could be easily corrected ... .. I went to Chase branch, write letters after letters calling 20 times ... for 5 months ..I get a different explanation each time, but can not get satisfaction .If I did not supervise my acct I will never know the missing .What about if they are doing this for thousands of mortgages who do not have the time or the understanding to calculate their acct.? it is scary. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
XXXX Applied for a renting lease on an XXXX property with XXXX XXXX XXXX and was notified that they needed proof I had paid off a debt from a collection at XXXX XXXX on XXXX  . Contacted XXXX XXXX and also checked XXXX XXXX which both directed me to Southern Management Systems. I called the first time and they said they did not have me on record. After checking XXXX XXXX and confirming the place that had the collection placed on me, I called again. The woman I spoke to told me that I was not on file. 

She refused to give me paperwork stating that I did not have an account with them owing money. She said they would not give me any letterhead with their company name stating I did not owe them money. She refused to connect me to a manager or another person in the building. Upon asking if they were registered in the state of Florida, she cut me off to say that she was " absolutely not going to give me that '' and that she would be disconnecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
About 3 weeks ago, I got a credit alert, that I had a collections account on my credit report, then I checked my XXXX  account, and saw that Plus4 Collections, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, was reporting this. I immediately called them to dispute this, and told them, that they never even notified me before putting this on my credit report. Parenthetically, they still haven't given me written notice to this day! They said XXXX XXXX, then I told them the VA payed all my medical bills, because I am XXXX  % XXXX, and that, they too never sent me a bill. Please give me their phone number, I demanded. I don't have that information XXXX said. I hung up, and proceeded to get that information. Calling XXXX XXXX, they confirmed, that all the bills they sent me were returned, because they used the hospitals billing system for my mailing address, even though, EVERY TIME I went for a test, I put my current, CORRECT mailing address on all their paperwork, they failed to change their records, and, because they didn't timely notify the VA of these bills, the VA would not pay, but agreed to write them off. On the XXXX of XXXX, Plus4 Collections, Inc., was notified by XXXX XXXX to end their attempts at collecting this debt, but instead Plus4 Collections, Inc., notified XXXX  that I had filed for bankruptcy, which I have not!! I called Plus4 Collections, IncXXXX, and demanded they remove the lie from my account immediately, but they denied doing it. I filed a dispute with XXXX. I called back Plus4 Collections, Inc., with a representative, XXXX, from XXXX XXXX to have it removed forthwith, but they hung up on us.

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 2020-06-24 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I did not authorize Paypal/synb to check my credit. 
XXXX XXXX that they had inquired my credit. I did not apply or buy 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 non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: MN

Complaint narrative:
I received an email on XX/XX/2020 stating : " We have been asked to contact you by our client, XXXX XXXX XXXX XXXX, regarding your past due balance with them of {$1100.00}. Their records indicate that your payment has not been received or processed as of the date of this correspondence and therefore is listed with us for collection. '' I have never done business with XXXX XXXX XXXX XXXX. My father, who passed away, apparently purchased a chair from them in the amount of {$1100.00} before he passed. They are now trying to collect this amount of money from me. My father did not have a will nor did he have any assets to pay for this debt. 

They then sent this email : " You are being charged for the Lift Chair you picked up and loaded in your vehicle after your father passed away. This makes you responsible for the debt. They have witnesses and cameras that show you taking possession after your father 's passing. '' This chair of my father 's was never loaded into my vehicle. I am not in possession of this chair. I feel they are trying to bully me or extort this money from me. 

According to the FTC, the nation 's consumer protection agency, family members typically are not obligated to pay the debts of a deceased relative from their own assets. 

I want this company and this person to stop harassing me. 
XXXX XXXX Claims Agent Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : 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
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX   XXXX  ( TU and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, TU, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( TU & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open :XX/XX/XXXX ; Bal : {$1600.00} ( TU ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( TU ) XXXX XXXX - Date Open XX/XX/XXXX ( TU ) ; Date Open ; XX/XX/XXXX ( XXXX & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, XXXX, TU ) Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) 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
Consumer complaint received 2020-06-24 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: GA

Complaint narrative:
There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( Experian ) Names : XXXX   XXXX  ( XXXX  and Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Experian  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, XXXX, Experian ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX  & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, Experian, XXXX ) Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) 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
Consumer complaint received 2020-06-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus Equifax and XXXX  deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Hello, I was a college student with a wonderful credit. I went to a car dealership ( XXXX XXXX ) to look at used cars and I didn't find any cars. One of the dealership employees showed me a car that he had outside of the dealership. That he was selling to me personally.I agreed to accepting that car and he continued to run my credit for Navy Federal Credit Union at the dealership on their computer. I was approved for about XXXX dollars. I was able to pick up the check from XXXX XXXX, pay the employee and accept the car. XX/XX/XXXX.  Months later I received a notification stating that I wasn't a member of the credit union and that I needed to provide more information to the bank. I went into the bank, provided multiple proofs of resident information, ID, and more documents. They accepted it, made copies etc. 


Weeks later they're still asking me for information to verify that I am a member. They then told me that I couldn't refinance my car because I wasn't a member. They denied access to my entire profile. I was away at school in New York and couldn't even make payments online so I fell behind payments. I was only allowed to make payments physically. I spoke with a representative over the phone about the situation and they told me to write a letter. I wrote a letter and sent it to them. ( Dated : I stopped paying this institution because I feel like I was manipulated at a young age and it seems like it was an internal scam. Applying for the loan at the dealership, picking up a check days later, weeks later stating that I wasn't a member ) How was I not a member if I was approved for a loan? 

Please help me. I am now in my mid twenties and this is affecting my credit score very badly. I spoke with another representative today XX/XX/XXXX ( XXXX ) in the recovery department. He said I am a member and still need to provide identification? I do not want to be a member anymore. I would like for this loan to be deleted completely and sent to all of my credit bureaus for internal fraud. 


XXXX XXXX ( The car dealership ) XXXX XXXX XXXX XXXX XXXX   XXXX, Virginia XXXX Get Directions Highlights info row image ( XXXX ) XXXX Navy Federal Credit Union XXXX Vehicle ending in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates failed to show proof that they are licensed to collect in my state ( Florida ) but continue their illegal collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Hello, on XX/XX/2020 my bank account was compromised ( pnc bank ) for the amount of {$1800.00}. {$800.00} was a cash withdrawl which pnc gave me provisional credit. The other amount for {$1000.00} was in the form of a XXXX transfer which i have disputed twice and turned down. I have never used XXXX at all. With additional notes on the second dispute i was turned down again. I never authorized this transfer. My local bank manager said there was nothing else i could do. Therefore i am filing this complaint and asking for help in this matter. I feel my bank has let me down after being a loyal customer for seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus XXXX  and Transunion deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. 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 explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
My daughter was purchasing a puppy through a website. After 21 email exchanges with questions with the person ( including questions, requests for references, videos, etc ), they sent a contract that my daughter signed ( after I reviewed it ). Then we initiated the transfer of money through Zelle ( through our bank XXXX   ). I assumed Zelle was safe since it was linked to my bank account. Then they asked for more money, and once they did that, I knew it was a scam. This is not acceptable and we should get our {$600.00} returned. I have contacted Zelle and they just want to say that Zelle should be used with a trusted source. But we had a contract, which would imply a trusted source. 

In addition to the contract that I have provided.. I can provide all email documentation and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CA

Complaint narrative:
Experian is allowing a law breaking debt collector to report on a debt that has exceeded the statute of limitations for reporting. I provided PDF document proof of the violation and they chose to ignore it because the debt collector refused to comply. Experian is willfully breaking CFPB statute of limitations provisions.

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 2020-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one is not my credit card I have reported multiple times regarding this account and Capital one keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with capital one nor any accounts with XXXX XXXX where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you

Company response to consumer: Closed with explanation