vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-05 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: MS

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THIS IS MY OFFICIAL STATEMENT ABOUT THE CRIME. I HAVE SENT IN A POLICE REPORT AND AN IKD THEFT IN NUMEROUS OF TIMES AND EXPERIAN IS STILL REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE IN CLEAR VIOLATION OF FCRA LAWS. I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACE ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT WITH A WET INK SIGNATURE ON I. ( COPIES OF COPIES ARE NOT VALIDATION AND BY LAW ARE NOW CONSIDERED PROOF ) THAT YOU HAVE ON FILE FOR MY ACCOUNTS MUST BE REMOVED. THE BANKRUPTCY I INSIST ON REPORTING THIS FRAUDULENT ACCOUNT ON FILE. I ALSO SENT IN SOME INFORMATION REPORTED FROM 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 2020-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX XXXX XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a PO Box . I clarified I did not maintain that PO Box . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my PO Box address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. 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 2020-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC
State: WA

Complaint narrative:
A few years ago I allowed a friend to stay with us until she could get on her feet. She stayed in my office so she had full access to all my info. She opened a account with XXXX payment solutions to invoice people for a product she was selling from XXXX. It was a lash growth product called XXXX. I knew she was selling this to all her girl friends at the cosmetic department. I guess she went much further. By the time I became aware of the situation XXXX shut down the account and fined me {$30000.00}. Which seemed like a scam. I tried to explain but by them this woman had disappeared. I have tried to talk to these people to no avail! They turned it over to a consolidated recovery group. They are very aggressive and basically laughed. They put this huge collection on my credit report, which I worked diligently to have removed. I finally succeeded and now are threatening a lawsuit. I have looked this company up and the have tons of complaints. Please help me to get rid of this once and for all. 
XXXX XXXX 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 2020-02-05 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: CO

Complaint narrative:
Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NM

Complaint narrative:
I have tried several times by email to contact customer service, my mother is XXXX she is the customer-I was looking at her contract and it states that they charged her over {$5000.00} in finance charges for a loan she barrowed {$2500.00}. After I read her the loan terms she freaked out because they collected over {$2900.00} since XX/XX/19 and only {$300.00} went towards her principal. I believe this is wrong and can there be something done? Again my mother is over XXXX years old and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: Conn's, Inc.
State: TX

Complaint narrative:
I opened an account with Conn 's in XXXX of last year. Initially the associate made a mistake on my order & once this was noticed, rather than correcting the account, a new account was opened and the balance was supposed to be transferred to the new account. At the time I did not even know about the existence of the first account. I was made aware when Conn 's collection department called me, requesting payment for this erroneous account. I have spent countless hours on the phone with the various departments within Conn 's and have been assured repeatedly that this would not effect my credit and the first account would be closed out. Well over six months later I have had no resolution & both accounts are reporting on my credit, with the erroneous account, reporting negatively. I receive almost daily collection calls from Conn 's which ultimately end with the associate reading the notes & apologizing, again, assuring me the matter will be taken care of soon. My " real '' account is in good standing & I am a very frustrated & unhappy customer. 

I would like to reiterate that at no time was I made aware that a second account was opened in my name, nor was I aware that the first account was balance transferred to the second account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05 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: CO

Complaint narrative:
Equifax is reporting incorrectly a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. This false reporting of collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Credit reporting for the month of XXXX and XXXX is reporting inaccurate information. For the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$360.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month. however I received a late mark due to a payment processing error. Also, for the month of XXXX, a payment was made on XX/XX/XXXX ( last day of the month ) for {$610.00} bringing the account to only 12 days past due. The account was less than 30 days past due at the end of the month, however I received a late mark due to a payment process mistake. Both payments were made on the last day of the month, which is when companies report to the credit bureau. Bank of America 's system didn't have time to process the current status when it was reported as 30 days past due. I would like for it to be updated to show current for those months. Also, I asked Bank of America to provide me with a signed credit application. They were unable to send this to me. Per FCRA policies, if the company is unable to produce a signed credit application proving that the debt is mine, the company must delete the trade lines. Bank of America refused to take the appropriate steps to delete the trade lines.

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 2020-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: FL

Complaint narrative:
XX/XX/2020 i told social security i wanted to get my benefits on the directexpress card they signed me up from the office now directexpress say they sent it out XX/XX/2020 Its now XX/XX/2020 still no card i been calling the XXXX number for a weeks now back to back all day long i need my money for me & my lil XXXX lose our home and be on the streets my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
In response to your answer dated XX/XX/XXXX. You stated that USAA utilized Title 31 of the Code of Federal Regulations part 212 to determine how to handle my account. An the removal of funds from my account on XX/XX/XXXX. Ok so a few items that have brought questions after further review of that law. I have asked several times for a copy of the notice to garnish federal funds deposited that you state you were served, an have yet to receive it. There was also no mention of the letter dated XX/XX/XXXX from the Florida Department of Revenue releasing the funds in the garnishment order dated XX/XX/XXXX. Also when was the look back period into my account? According to the CFR title 31 212. It was supposed to happen within 2 days after receiving the order to garnish if it included a notice to garnish federal funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I applied on XX/XX/2019 for a XXXX Chase credit card to receive a {$200.00} credit on my XXXX flight to XXXX for my nephew 's wedding. I understood there would be an annual fee as well of {$69.00}, so the net savings was about {$130.00}. 

Instead when I applied and approved -no credit card information was provided at the end of the transaction. I had to wait for the hard copy, relocate the offer and book my flight. 

At the end of the transaction the web page did not display the {$200.00}. savings. I called XXXX and was assured it would be credited after I made any purchase " even a cup of coffee '' on the card. I never got credit on my Chase statement after spending {$900.00}. on the account, so I contacted Chase directly. I spoke to two customer service reps who told me they couldn't help me or verify that there ever was an offer of {$200.00}. off at the time I applied for the card. I then spoke to a manager in the corporate office in XXXX Ohio, who told me I had signed up for XXXX bonus points not {$200.00}. off and to give me the {$200.00}. off would actually be a downgrade and she could not do that. 

I escalated the complaint to the owner of company in New York. Someone called me on around XX/XX/XXXX to tell me although she XXXX confirm that there was a {$200.00}. off offer in XXXX when I applied for the credit card account, that her position was that when I bought the ticket it was on a URL for XXXX bonus points. So the fact that I applied and opened the card on the {$200.00}. off page and experienced web issues that prevented me from booking the flight that day, was nothing she could do anything about. 

I have my entire browsing history saved. A XXXX search showed similiar bait and switch situations related to JP Morgan Chase Credit Card Services and XXXX flights. JP Morgan Chase accepted no responsibility for their failure to issue a temporary credit card number so I could book the flight that same day. 

I therefore incurred a {$69.00} annual fee for a card that achieved nothing for me when the objective was to get {$200.00} off my flight to XXXX. As I pointed out to the last representative on XXXX XXXX or thereabouts, this is preying on people in tight financial situations and then switching the offer and proffitting from it by this practice. 

I have used other cards tied to airlines and the process is seamless. You apply, you get approved, you get your $ off with little or no wait. 

I don't expect JP Morgan to make this right at this pint, but I want to make your agency aware of this very shady practice to protect others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Trans Union credit report has unauthorized hard inquiry by XXXX XXXX XXXX  on XX/XX/2020. tried to resolve with Trans union online but there are no options to dispute a hard inquiry, only to report fraud. I began an online application thru XXXX XXXX for a personal loan to see what interest rates were being offered, halfway thru the application questions were being asked about personal banking information so I stopped application. I never Knowingly gave permission to run my credit report as a hard inquiry. XXXX XXXX XXXX sent me 21 emails, 10 text messages and 5 phone calls begging and harassing me to complete their application, I have copies of all correspondence attempts, this application was not completed and I did not give permission for hard inquiry. I have perfect credit and have had many loans so I know when something is fraudulent. 
Thank You 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 2020-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I do have had a medical problem. Ive got a XXXX and not able to work. I have asked bank of Flagstar ( its mymortgage bank ). They did guide me by writing letter to say that in order to eligible for the hardship program you must NO PAID the mortgage atleast 60 days! so, you are not eligible for the program because you still pay it on time!!! I have followed the guide from the bank that holding money in the bank and not paid mortgage with hopefully that my application of hardship program is considered for approval. Unfortunately, the bank has cheated on me about that. I have complained about this and keeping paid mortgage on time. Until now I always paid it on time ( for over 10 year ). I officially request and say hat the flagstar bank has made this mistake happens! By letting customer misunderstood about the program and get the bad credit score ; so, they have got responsibility to correct my credit score. It is not my fault. I have kept payment for my mortgage on time always, I believe. Please, help me out from the trap of the flagstar bank. I do appreciate your help and thank you very much.

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 2020-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
A few months ago I requested my PMI be removed and paid roughly {$400.00} for a property valuation to be completed. The result came back that my property was only worth {$370000.00} which seemed odd because XXXX shows my home value at roughly {$400000.00} and homes on my street are selling for well over {$500000.00}. My request was denied because the property value was too low and I was still a few thousand dollars away from achieving the required percentage. I called my mortgage company to ask if I needed to pay the difference in a lump sum or if I could just make my normal payments to make up the difference in a few month 's time. They assured me that I could make the necessary principal reduction through monthly payments and my property valuation would NOT expire in the meantime. Keep in mind that I had the funds available at that time but chose not to pay the lump sum at the advice of my mortgage company. 
With my most recent payment I hit the required threshold and called my mortgage company again to request PMI removal. They again denied my request and are claiming that the valuation I paid for expired after 90 days. This directly contradicts what they told me before. I should not have to pay another {$400.00} to correct their mistake. They also told me it would take up to 30 days to research whether an error occurred, during which time I would be responsible for another {$75.00} in PMI. So in essence they are charging me for the time it will take them to discover their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account

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 2020-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation
State: MO

Complaint narrative:
I originally had a car loan through XXXX XXXX and did a voluntary repo. My account was sold to Deville Asset Management. When i contacted them to see if the car had been sold they told me they had no information on me. I believe the car has been sold and imthere is no balance left. I have been told nothing or have no information and i dont understand why they could not fine me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Global Financial Services Group
State: SC

Complaint narrative:
On XX/XX/2020 I found out from the SCDOR  that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.

Company response to consumer: Closed with explanation