vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX - Received a voice mail from NPAS. Said that they were representing XXXX XXXX - XXXX XXXX. Told me to call XXXX XX/XX/XXXX - Call the above number. Spoke with someone named " XXXX. '' She looked up my record and said she didn't see an outstanding debt so no idea why I got a call. She gave me an account number and said she was noting in my record that the account was clear. Also told me to call the " Regional Office '' at XXXX. 

Called the above phone number and talked to " XXXX '' at a XXXX XXXX patient business office. The account number that NPAS gave me was the NPAS account number so XXXX looked up my account by name. She affirmed what I knew to be true -- I don't owe them any money. She made a note in the my file that I called and that my account was clear. 

XX/XX/XXXX - Received another voice mail from NPAS. 

XX/XX/XXXX - Returned the call ; input the account number I was given on XX/XX/XXXX and the other personal identifying info ( birthdate, last 4 of ssn ). Automated system said this account was no longer being serviced by them and that I should call the regional office. Gave me the same XXXX XXXX number I was given on XXXX. 

I feel like I'm in an endless loop.

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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX at the XXXX Peoples United Bank branch I fully paid off a HE Loan balance by writing a check for over XXXX dollars I have a receipt to prove its paid in full. 
XXXX minutes later I got a call from there Collections department in Vermont. Odd because there is nothing to collect its paid in full. One day later I get an Auto Generated mortgage assistance letter which is odd again The loan is PAID IN FULL. XXXX branch on XXXX XXXX generated the mail. I called customer service and the bank president and no one is available. No one at consumers loans is available. I found the letter offensive and wrong I want an apology direct to me and wont stop complaining till I get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have 3 credit cards with Capital One that have ALWAYS been in good standing since they were opened, not one missed payment on any of them ever. All three cards were restricted to where I was not able to use them anymore. When I called them to rectify the issue, they said they closed them to prevent fraud. I asked them what fraud was on the account because I looked over my transaction history and saw no unauthorized charges. 

They said there was no fraudulent activity but they wanted to know if i added the authorized users onto my accounts. I explained that I did and that was legitimate and not fraudulent. They refused to accept that as an answer even after an exhaustive process to prove that I was the account owner. 

They then went on to say they needed ID 's for EVERY authorized user I had added over the course of years. I let them know that they were contract workers that I had hired and I no longer had those documents for them. They then said they would keep the accounts restricted. 

Fast forward to today, XX/XX/2020, and I receive a letter in the mail telling me to call them to resolve the issue or the account would be closed in 45 days. I called them and they said they just needed me to send them my driver 's license to fix the issues. They then sent me a secure link to upload said document. 

I then told them that I had 2 other accounts and would this clear all of them up or just the initial one we were discussing? She asked to place me on hold. They placed me on hold for about half an hour and when she returned, it was the same story that they had  explained to me months ago, that they would close the accounts if i did not send in ID 's for EVERYONE ever on the account. I asked her why she wouldn't have told me that initially rather than have me spend 45 mins total on the phone with them this morning?

Now they are saying they will close these accounts on me. One of these accounts is my oldest card that I own, and because of credit scoring algorithms, this will destroy my hard earned good credit rating that I worked years to establish! It will also lower my available  credit by about {$25000.00} which will also have a huge impact on my credit score. How can a company do this to a consumer who has NEVER missed a payment, has never had any fraud on their account for all the years the account was open? To destroy someone's credit score for no reason during a global pandemic when someone is trying to refinance their house is cruel and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: OH

Complaint narrative:
The Chase XXXX XXXX XXXX XXXX card promised to provide a credit improvement only upon obtaining this card, several years back. 

I pay annually XXXX $ to maintain membership with this card. The sole purpose is that I am trying to improve my credit score. 

However, the company lied about its intent. It cut my credit line at an inopportune time,, and sneakily, when actually I was trying to make big payments to pay the account. 

I spoke with XXXX and he was very rude in CS. I was  disconnected several times when talking about this issue, as they declined to answer. Mr. XXXX said someone from his managerial side is going to contact me regarding this account, and so far no one called. 

Unfortunately, I also have an account in this bank which made a primary goal to destroy consumer credit. Also, they do not have the correct information regarding my credit history which makes it unlawful to cancel my credit line by substantial amounts. 

Please investigate on their fees and other activities including cancelling or lowering accounts when they wish to review without customer knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
I spent 2 says 6 weeks ago putting through complaint of fraud XXXX has nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We are applying for a mortgage and need to temporarily lift a credit freeze with Transunion. We tried for 2 days but every avenue was broken. The website did not recognize our information and our account suspended. The recommended email form to fix the suspended account did not work and kept circling back to the beginning - we tried 3 times. The phone robot did not work and there was no option to speak to a human being. This is a company whose processes are completely broken if you need any help at all.

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 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is an account on my Experian credit report that is fraudulent and is coming up with XXXX XXXX XXXX XXXX, this account is inaccurate and it is violating the fair credit reporting act and hipaa 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 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX, I was alerted to by a colleague of a sign up offer for UMB Bank. I proceeded to sign up for an account and was instantly approved. I initiated a transfer of {$100.00}, which was debited from my other checking account. Not long after that, and without any notification, my account was locked. Attempts to call were met with an hour long wait time. 

I received an email on XXXX asking for additional verification and I promptly uploaded the requested documents that I could provide. I called on XXXX after hearing no response at all and was told my documents weren't sufficient and the deadline had passed. I inquired about the {$100.00} transfer and was told it would return in 7-10 business days. 

We are now at business day 10 and there is no sign of my funds. To boot, {$3.00} was debited for having mailed statements, which I couldn't even opt out of because I was locked out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
There is an account on my XXXX  credit report that is fraudulent and is coming up with ARS ACCOUNT RESOLUTION Solutions, this account is inaccurate and it is violating the fair credit reporting act and hipaa 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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NY

Complaint narrative:
I have spent months trying to square my escrow account as related to homeowners and flood insurance. I have spent hours on the phone and been given several assurances/commitments That a supervisor would get back to me to resolve this, at long last, which have never manifested. I have gotten misinformation and made unnecessary payments to try and balance my account. I have just received a second refund check from an insurer I paid in XXXX. After following up again and again, the company has issued more unnecessary payments and purchased/partially refunded unnecessary insurance policies on my behalf and cant seem to reconcile my account. I have been told that there would be penalties for an escrow deficit and am willing to pay in any funds necessary if SOMEONE can get to the bottom of this. I am not in arrears, have made all payments on time, followed all instructions, and secured all coverage when required, but cant seem to resolve this. It is now XX/XX/2020. I began dealing with this in XX/XX/2020. After the latest assurance by a rep that I waited on hold for 15 minutes to reach that I would be connected to a supervisor directly, I have now been on hold again for 30 minutes and have no confidence that this call will go through and will be properly managed. This is likely my tenth phone call, in addition to at least six Ive made to my insurers. This is completely unacceptable. This is a mortgage!!! Ive had retailers take returning a dress far more seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I received a promotional offer from Chase Bank to open a business account and receive {$300.00} bonus after meeting certain requirements. I was promised a Debit Card and made sure that the banker knew the business address. 2 weeks after opening the account and the Debit Card has not arrived, I tried calling the bank several times and emailing the Banker who helped me open the account, On XX/XX/2020I went to the branch and spoke with the banker, he told me that the debit card  was sent to the wrong address, and a new card will be sent to the correct address. I made a deposit for {$1000.00} with a check from my personal account with XXXX XXXX. The check was cleared my XXXX XXXX  account on the same day XX/XX/2020. Chase bank put a hold on {$770.00} until XX/XX/2020. on XX/XX/2020 I received an email from Chase bank with a letter indicating that the bank decided to place the deposit on hold until XX/XX/2020. 
I needed the money sooner and I spoke with the Branch Manager Mr. XXXX XXXX regarding this issue. Mr. XXXX was condescending and telling me " BUDDY Go Sit There ''. I decided that Chase Bank is not a bank I would like to have my new business, and asked Mr. XXXX to close the account so I don't have to drive again to the branch, and go inside at age XXXX I don't get close to people unless it's necessary even with a mask on, I am at risk groups being of XXXX decent and XXXX Year old. Mr. XXXX informed that he's not going to close the account until the hold is lifted. When I asked for his supervisor, he kept me waiting for over 20 minutes to give me the phone number of his supervisor, I went to my car and tried to call the numbers Mr. XXXX gave me, they were FAKE numbers. I am so disappointed with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2020-09-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX and XX/XX/2020 The Hone Depot store and XXXX XXXX is reporting to my credit report and I called them explaining it wasn't me and why is it on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CA

Complaint narrative:
In XXXX of this year 2020 I filed disputes with Equifax, XXXX  and XXXX  I yet to receive anything from them on this matter. I understand that with covid19 going things have slow down but 4 month later is not acceptable. There should be no reason why I havent got a reply from any of three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 the victim of identity theft, which resulted in some accounts being opened in my name by fraud

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 2020-09-04 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:
THIS IS MY 2ND SUBMISSION PROVING MY IDENTITY. I AM NOT A CREDIT REPAIR AGENCY, I AM SUBMITTING FOR MYSELF. I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2020-09-04 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: NJ

Complaint narrative:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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 the victim of identity theft, which resulted in some accounts being opened in my name by fraud

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 2020-09-04 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 the victim of identity theft, which resulted in some accounts being opened in my name by fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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