vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 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: AZ

Complaint narrative:
I disputed my child support account and asked for verification on the account including the late payments that aren't accurate almost 90 days ago as well as I filed a complaint with the CFPB # XXXX on XX/XX/20. It's now been over 90 days in total and I still have not received anything back from Equifax on how on how they verified the account. 

I have a letter from the child support courts that they do not furnish any information to credit bureaus or any 3rd parties which i will add to this complaint. I will attach a copy. 

It says on the EQUIFAX website that they verify this type of information with XXXX XXXX but I have a security freeze on my XXXX XXXX account because i'm worried about identity theft, so their is no way this account be verified, so the E-Oscar system is auto verifying this account which is infringing on my Fair credit reporting rights and this account needs to be deleted immediately. 

I also don't understand why XXXX  and XXXX  deleted this account months ago but EQUIFAX isn't doing their job correctly. I will attach proof that it's been deleted everywhere except EQUIFAX. 

I will attach all my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
An unknown medical collection was reported on my credit files. I mailed a dispute letter to the bureaus on XX/XX/2020, it was deleted off XXXX  and XXXX. But Equifax validated the collection as accurate. I then mailed a method of verification request to Equifax on XX/XX/2020 asking about the method of verification. Equifax never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
in regards to claim XXXX, i need assistance in resolving this dispute. Transaction post date XX/XX/2020, XXXX, in the amount of {$240.00}. The package was never delivered to me. i spent countless hours on the phone and emailing both the merchant and shipper, XXXX XXXX, trying to resolve the matter. The package was initially lost in transit due to shipping label not being secured. Then they located held at their XXXX, Ohio facility. I spoke to a dispatcher at XXXX on Thursday XX/XX/2020, who confirmed they were falsifying tracking records, they had not attempted delivery on XX/XX/2020. He saw a XXXX code on the tracking #, which indicates the package had never been on the truck or even left the sorting facility. i then spoke to a supervisor in the XXXX office for XXXX by the name of XXXX also on XX/XX/2020, who contacted the facility, advised me they had lost the package in sorting. She contacted me back shortly after on that day and they said they had located the package and would schedule for delivery on Saturday. Saturday i waited all day for the package, and to my surprise got a notice it had been delivered. It was never delivered to my home. I checked with my neighbors and those around me on the cross street and it was nowhere to be found. i contacted the supervisors office back on XX/XX/2020 and they refused to provide any additional details as to a GPS location of the delivery vehicle, and where it was dropped off so i could attempt to retrieve my package. The tracking info states no signature required, and they did not and have not provided valid proof of delivery. Per Visa guidelines online it states for reason code XXXX, that a tracking # is not valid proof of delivery. That a signature is. I assume this to be a large package as it is a tonneau cover for my truck. Someone has received this for free and i have now been rebilled for something i do not have. As i mentioned over the phone with Chase Bank XXXX in escalations on XX/XX/2020 there have been many XXXX  complaints against this company for the same exact scenario. i would of never ordered from them had i known i would of been scammed. Please do right and go after this merchant for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent written notices to Merchant 's Credit Group that I disputed the above referenced debt, and requested validation THREE times. 

On XX/XX/XXXX, I sent them a validation request. I never received any paperwork they stated they mailed out to me. After the 30 day time frame for Merchant 's Credit Group to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/XXXX, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information in order to proceed. She lied to me that Merchant 's Credit Group never received my DV letter and then put me on hold for 10 minutes then informed me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that Merchant 's Credit Group sent everything to me, and to deal with it myself and hung up. 


Merchant 's Credit Group has not responded to any of my validation requests mailed to them. 

On XX/XX/XXXX, due to Merchant 's Credit Group failure to validate the debt 3 times, I sent them a Notice of Failure to Validate Debt of Account No. XXXX and demanded the account be removed from all three credit reports. 

Merchant 's Credit Group has not provided a signed contract showing my liability by corresponding my Social Security number with my signature to ANY of the validation requests and nor removed the account after receiving a Notice of Failure to Validate Debt of Account No. 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 2020-05-01 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: VA

Complaint narrative:
I never applied for a XXXX  store card. I only checked to see what my preapproval credit line would be. I never made an account, and I never placed an order. I also never received a credit card agreement which is my proof that I never signed up or authorized XXXX to open a credit account in my name. This opening has caused a severe dip in my credit score and I did not authorize this account to be opened.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Debtor Collected final payment and I closed my account with Navy Federal Credit Union in XXXX XXXX with no late payments. This was on a secured Visa card with a security deposit of {$1200.00} on it. Company did not offer pre-paid debit/credit cards and advised this was best route, a secured card. Was immediately issued a card and used for a couple of months. Never paid back balance and asked them to just close my account. They said they had closed and I had stopped receiving corresponding mail from them, then I receive a checking account security lock on my account because of it and limited access services-wise, then a denial of services all together. Found out they had not closed my account and unauthorized charges were accrued on my account which then resulted in unknown prolonged delinquencies and an account balance of {$85.00}. The amount accrued for the high credit limit field in the 7 major credit bureau reporting of the file. File wasn't officially closed until XXXX XXXX. Contacted creditor and they refused to do business with me again due to this fraudulent activity in which occurred on my account ( s ). I request immediate deletion of this reporting from the 7 credit bureaus due to it's ; unfair, non-current, derogatory payment history and status on my report. Credit reporting from Navy Federal should include final payment activities and an updated statuses due to the no longer delinquent accounts, which they fail to do. Please, assistance in this matter is needed and resolution is as easy as deletion of unverifiable information that can not be verified with myself or the representatives spoken to via phone call and written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a lease with JPMCB Auto which ended in XX/XX/2020 and they still showing this lease as open lease in our credit report but it is already pad and closed, I am trying to refinance my mortgage and because of this is holding me to do it. I called them 3 times and they always promise to fix and provide letter but they never mailed me anything to prove that is paid and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I was unaware that I was in debt to a gym. Nobody has called me nor reached out through mail to let me know that any debt was owed. Today I opened my email to see a change on my credit report that says my credit score dropped because of debt that is in collections. Because nobody reached out to let me know this seems unfair that my credit score is impacted over a debt of less that {$90.00}. What is the protocol for these collection  agencies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NE

Complaint narrative:
On XX/XX/2020 my pay check was garnished {$450.00} for a credit card debt owed. The balance owed was {$1500.00}. The attorney handling my debt, Rausch Sturm Israel and Enerson ( XXXX ) have continued to garnish my wages, although the debt is now paid in full. I have now paid {$1800.00}. When I called to complain, they seemed uninterested and I never received a call back. I need what I overpaid to be returned ASAP. I emailed them paystubs showing the garnishment is still happening.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Whom It May Concern, I received a XXXX  XXXX XXXX  alert. I saw that a company called Hunter Warfield , Inc fraudulently place a negative account on my credit report. I don't know who this company is and never had any correspondence from the Hunter Warfield , Inc. or a notice that the creditor they " supposedly '' representing is giving Hunter Warfield permission to contact me about anything. They have unlawfully reviewed my credit report without my consent.

For Hunter Warfield to do this fraudulent act and conduct their business operations unlawfully in the middle of the COVID-19 pandemic is distasteful and grossly irresponsible. They hope that while consumers are distracted by the shutdowns caused by the pandemic, they can sneak in their lying reports and mess up consumer 's credit score and livelihood.

Hunter Warfield is a disgrace, need to be charge and closed down!

Concerned, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In late XX/XX/XXXX we began a refinance with JP Morgan Chase. We unfroze our credit bureau accounts & the process started out fine then on XX/XX/XXXX we paid {$500.00} which the email from the Home Lending Adviser, XXXX XXXX, said the money was Good Faith Funds of {$500.00} which will be applied as a credit to your closing costs. If your application is closed for incompleteness or is withdrawn by you, this is not refundable. If your application is denied, these funds will be returned to you minus any expenses incurred on your behalf. Your card number will be collected and charged once you have confirmed your intent to proceed. After we received our appraisal in early XXXX l emailed Mr. XXXX on XX/XX/XXXX & XXXX and received no response. I also made multiple phone calls to Mr. XXXX on XX/XX/XXXX, XXXX, XXXX & XXXX. I also left messages for his manager, XXXX XXXX, who also has never returned my calls. I was finally able to reach Mr. XXXX on my XX/XX/XXXX call and was advised they needed to pull our credit and the accounts are frozen as our temporary unfreezes had expired. Mr. XXXX advised once we unfreeze our accounts they will complete their underwriting then I will be contacted by their Client Care Specialist, XXXX. We completed unfreezing our accounts then received notice that our loan was closed or application is no longer active. I attempted call Mr. XXXX & Ms . Sheets, XXXX, XXXX, XXXX, XXXX & XXXX to inquire about what this meant for our loan and received no return calls. The calls to Mr. XXXX were to his cell phone as this was his new number since they were working from home due to Covid-19. I also emailed Mr. XXXX on XX/XX/XXXX with no response. Finally, on emailed XXXX XXXX on XX/XX/XXXX detailing their lack of responsiveness & horrible service and demanded the refund of my {$500.00}. I have received no response to this email at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Back in 2019, I was a victim of check fraud. There was a negative balance, that was left, I paid it in full and spoke to a XXXX XXXX  Branch Manager, and it was supposed to have been fine, since the negative balance was cleared up. I tried opening an account with XXXX XXXX XXXX XXXX and 5 days later the account was closed, upon investigating, I was told it was because of an alert that Early Warning Services had on my credit file. I have contacted XXXX XXXX, I have spoken to multiple branch managers, I have contacted Early Warning Services multiple times and I have been getting the run around, i am not able to join any financial institution because of this. I have done everything in my power to get this removed, especially since the balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I am having a problem with my equity line my loan was taken over from Ocwen to PHH Mortgage company.and noone in the company from customer service knows how to deal with my loan it being in a chapterXXXX bankruptcy.I am my own attorney " per si '' and just trying to get a payment to this company is almost impossible I was just was transferred 4 times on the phone a hour on hold all for a supervisor.once the supervisor got on the lione she didnt know what to do either and hung up on me with no return phone call. this company is unbelievable the y are very unproffesional and I question weather or not my payments are making it to the right person .or if its even getting documented .I have been stuck paying a XXXX dollar equity line for like 10 years and have probably paid it off 3 times yet I make payments every month and it stays at XXXX ; XXXX dollars and never goes down .try speaking to someone about it and they shuffle me to someone that hangs up on me very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit card was charged for a purchase I did not make. I have been trying for over a month to contact Chase bank to report this potential fraudulent activity, but have been unable to reach anyone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved.

I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made. 

Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human. 

I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account. 

I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt. 

I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back. 

Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud. 

Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I have an CD with Citibank for years. We usually receive a letter at the end of maturity term that I have 7 days to take action else it will auto renew. We thought to continually keep it on CD so that it auto renews. 

Now, we have received a letter asking us to take action on CD to renew or withdraw. When I call the customer care, the customer care supervisor was very rude and states that my account has become inactive and if it does it automatically goes to state. To the record, I have been very active and all my direct deposit and my credit card is with the same bank and the CD is being tied to the same account as well. In addition, I see the interest income has been added to the CD for transaction. I don't understand how a CD will become inactive with no transaction while the entire purpose is to keep the CD for interest at maturity. I have called in couple of times and wrote a letter as well but no luck and no intent has been taken by any of the customer care executives nor the supervisor to help me when I really want the money. Lastly, they keep saying that they have sent me many letters but i have not responded. I have not responded because it says it auto renews and no action necessary. 

I am still trying my best but no luck so far!

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 2020-05-01 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: NV

Complaint narrative:
These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.

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