vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
Credit Management LP, account number XXXX is wrongfully appearing on my XXXX, XXXX  and XXXX  credit bureaus.It is a fraudulent collection because the services contracted by the original creditor, XXXX  were not provided.WI-FI required for phones and computers would not function.When I called XXXX  they would tell me to turn the equipment on and off which was done up to 4 times a day.When I called more times XXXX  said they would send a service technician out to repair or replace equipment, however they never came so I changed to another service that worked. 
This item should be deleted from my credit.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I had a deposit clear in my chase account after the 10 day hold ( it was a large amount ) and become available in my account which I have photo evidence of only to have my account then locked and access to my funds denied and withheld even after clearing the 10 day hold with no problem whatsoever then after closing my account still having denied me access to any of my money they sent me a check for {$18.00} instead of the {$230000.00} that was in my account at the time of closing and I also have my final statement from chase showing a closing balance of {$230000.00} not the {$18.00} they sent me and further more it clearly states in black and white on my final account statement the last transaction was XXXX check charge for the amount of {$230000.00} yet to date and its now almost XXXX I have still yet to receive that check they made for {$230000.00} nor any explanation as to where it is and why I havent received it or any of my money that was in the account at the time of closing Ive called and called Ive gone to multiple branches and Ive been left with more questions nobody will help me and frankly as a whole JPMorgan Chase has overall been rude and disrespectful to me not helpful or honest at all and extremely unprofessional at any level I dealt with how they can do this to somebody is beyond me and absolutely ridiculous thing to do

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent transunion 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my lexis nexus account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-06-24 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: PA

Complaint narrative:
XXXX XXXX refused to refund a refundable reservation for a flight in XXXX. I submitted a Visa billing dispute requesting Chase to investigate. On XX/XX/XXXX I received a response from Chase saying that the transaction was valid. 

In their response to Visa XXXX stated that while the tickets were refundable, request for refund must be submitted through XXXX, the agency I used for the reservation. They claimed the reason they didn't refund was because I didn't submit the request through XXXX. 

On XX/XX/XXXX I provided documentation from XXXX confirming that they received my request to cancel in XXXX and had being trying to contact XXXX on my behalf since XXXX, yet XXXX didn't respond to their emails. 

Despite proving to the bank that merchant 's response was invalid, Chase didn't reopen the dispute claiming they had until XX/XX/XXXX to do so. Apparently my fax from XX/XX/XXXX was processed in XXXX. I've also provided a confirmation from XXXX dated that the XXXX cancelled my flight, and offered to rebook me on a different connected flight number with overnight stay in XXXX, which I declined. Still Chase wouldn't reopen the dispute. 

I'd like to stress that Chase never provided a deadline to respond with rebuttal of merchant 's claims. Also contradicting themselves, Chase 's representative told me to wait until XXXX and resubmit the dispute they just closed if the flight is cancelled, seemingly unaware of XX/XX/XXXX deadline. 

Since I can only respond to merchant 's second presentment after receiving it, Chase effectively made the whole dispute process meaningless as they don't allow me to refute merchant 's response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint is my mortgage servicing company. They are supposed to pay my insurance and property taxes through my escrow account. They did not pay my taxes for XX/XX/2020. I received a letter for past due taxes from the state. I have been trying to contact to resolve this and they are giving me the run around. I've call over 10 times and no one answers. I emailed about 15 times with no resolution. They are stealing peoples money and not applying it to the account as legally obligated to do. They are taking money out of the escrow for purposed other than intended. They refuse to answer the phone and rarely respond to email. Their website isn't working. I haven't been able to log into my account for over a month to try to see what's going on. It is obvious there are trying to hide what they are doing to people accounts. I can't even make a payment online anymore. I have to physically mail a check.

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: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a mortgage with Chase Home Mortgage and the home was short sale in 2011. Chase agreed with short sale and now still has a third party XXXX XXXX collecting payments. I had no agreements with XXXX XXXX in regards to mortgage payments. Chase got paid on the sale and now this third party is still collecting monies from me after all the fraudulent processes, unfair lending practices and unscrupulous transactions that were done by the banking industry before the housing crisis. At this time this balance reported of {$15000.00} needs to be removed from my credit report because I do not owe nor own that mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Please help, I have disputed these charges several times and now they are on my credit file inaccurate and false. I lived in this apartment complex for four years, gave the proper notice and moved out. I'm now finding out I'm being charged for carpet, paint etc. which is inaccurate and that should be normal wear and tear and the landlords responsibility. There was no damages at all. The charges are inaccurate and I do not owe. Please help

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am unable to connect my PNC bank account to online services like XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
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: Apelles, LLC
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have contacted Wells Fargo directly and provided them with documentation. I was divorced in XX/XX/XXXX and according to our divorce agreement I was to be removed from all my ex-wife 's liabilities. In XX/XX/XXXX, she was 90 days late on a payment at which time Wells Fargo contacted me. I spoke with them that we were divorced and provided them copies of the court order. I was told that the late payment would be removed from my credit report. My ex-wife paid that past due amount and a few months later paid off the remaining balance and closed the account. When checking my credit report I noticed that the 90-day late balance is still on my credit report. I have filed a dispute through a credit reporting agency and Wells Fargo has said that the information I provided is accurate but they disagree with removing it from my credit. This goes directly against my court order and against what I was told by a representative of Wells Fargo when I contacted them in early 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: CA

Complaint narrative:
I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have written a letter attempted to reach out to rocket loans back in XXXX of this year 2020, two items has been deleted on transunion and experian in regards to an item on equifax my report to be removed, has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I entered into a forbearance plan with PNC Bank on XX/XX/2020 due to Covid 19. The forbearance was until XX/XX/2020. However, I contacted PNC on or around XX/XX/2020 to end the forbearance. I agreed at that time to pay the full amount due and owing of {$16.00}, XXXX on or before XX/XX/2020. However, on XX/XX/2020 PNC reported to the credit bureaus I was 3 months delinquent and caused my credit scores to plummet at least 100 points or more. They intentionally ruined my credit. 

On XX/XX/2020 I paid PNC {$16.00}, XXXX as agreed. However, I did not find out about the bad credit report until I tried to refinance my mortgage several days later. I immediately hired a lawyer and filed a dispute against PNC. I demand that this be corrected immediately.

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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
I have an alleged debt on my credit report reported by Ability Recovery Services LLC, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XX/XX/20. I received a response XX/XX/20. 

XXXX also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I believe that Wells Fargo has miss used and miss representing my funds and charging for fees that I have not aquiered Im being charged for overdraft fees I did not do they hold money for payment then wait a week later and say I owe them money and fees

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 monetary relief
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 — Account status incorrect
Company: FMS Inc.
State: ID

Complaint narrative:
Collection account has been paid in full on XXXX/XXXX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

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: CA

Complaint narrative:
I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was billed three consecutive months by XXXX for ads i did not place. when i contacted XXXX in XXXX they said ads were for health spas. when we advised that we are a jewelry store and never have advertised such products they advised to dispute charges with Citibank. The charges were XX/XX/XXXX {$190.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$390.00} total {$910.00}. I disputed all charges with Citibank. They finally responded in late XXXX declining my dispute. Their response from XXXX was that XXXX XXXX represents my company and placed the ads with my credit card #. As proof they showed previous transactions from XXXX when he was my ad agent. we stopped doing business with XXXX XXXX at the end of XXXX. My credit card number has been changed since then and he was not provided with our new number. I asked Citibank how it was possible for XXXX to charge my account with an old obsolete Number. They have not answered. I tried calling Citibank on XX/XX/XXXX and after being on hold for one hour and 17 minutes, gave up and emailed my letter to XXXX. They have not responded. I contacted XXXX XXXX and he insists that he is billed monthly for his ad agency advertising with XXXX directly. He followed up our discussion with an email certifying he did not use my card nor does he have access to my credit card info. Citibank has ignored my claims and XXXX is hiding their error by claiming previous business transactions from 4 years ago!

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an alleged debt on my credit report reported by XXXX XXXX XXXX XXXX, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XXXX/XXXX/20. I received a response XX/XX/20. 

Equifax also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.

Company response to consumer: Closed with explanation