vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I requested that Portfolio Recovery Associates validate this debt for a credit card from XXXX XXXX XXXX. I requested that the company provide the original contract, the contract between Portfolio Recovery Associates and XXXX XXXX XXXX, documentation showing that the company is registered to collect in my state of Alabama, the company 's registered agent 's name for Alabama, the company license number for Alabama, and the complete accounting record of all charges. The company responded with a letter from XXXX XXXX stating that Portfolio Recovery now owns the account and may contact me. THIS LETTER IS DEFINITELY NOT VALIDATION OF THIS DEBT. Portfolio Recovery Associates is required to have certain documents on file to legally collect on this debt including the original contract and the agreement between the two companies and the company must provide documentation proving that they are able to collect in my state legally. The company did not validate the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I paid off my mortgage in XXXX to Dovenmuehle Mortgage and still have not received my escrow refund. 

XX/XX/XXXX - I paid off my mortgage and the payment cleared. 

XX/XX/XXXX - I called Dovenmuehle to check in and was told that my escrow refund would be issued soon. They said to call back in a week. 

XX/XX/XXXX - online records show a check was issued. 

XX/XX/XXXX - I called because I still hadn't received my check, and was told to call back if I didn't receive the check by XX/XX/XXXX. 

XX/XX/XXXX - I called because I still hadn't received my check. They told me that the check was mailed, but to the wrong address. For some reason when they mailed the check they did not include the unit number, even though it's on our loan documents. I spoke with XXXX, and she said that I would need to submit a change of address form and then she could mail me a new check. I asked to have the money sent via ACH or a check overnighted, and she said I'd have to wait until XX/XX/XXXX for that to happen. I requested to speak to a supervisor, and she said they would call me back later that day. They never called me. 

XX/XX/XXXX - I called to request an ACH for my escrow funds, and was told that a supervisor was unavailable. The customer service rep said she was going to send my bank information to a supervisor so that they could process an ACH. 

XX/XX/XXXX - I called again and talked to XXXX. She told me that I'd need to submit a voided check to get an ACH. She said that the CSR I spoke to was wrong, and that they don't have any of my bank account information saved. I asked if I could speak to someone who could process the ACH immediately, and she said that I could not. She said a supervisor would call me back within 24 hours. 

XX/XX/XXXX - I emailed all of the information above to XXXX to try to get my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE FARM BANK, FSB
State: OK

Complaint narrative:
On XX/XX/XXXX I sent my original dispute to state farm bank for an unauthorized account being opened in my name. State farm forwarded my complaint to XXXX XXXX XXXX that bought the debt from state farm bank. On XX/XX/XXXX. XXXX I mailed another dispute letter directly to XXXX, XXXX completed its investigation into my fraud claim, ruled it in my favor, closed out the account at a XXXX  balance. To date State Farm Bank will not remove this account from all three credit agencies which is in violation of my due process rights.I 've been XXXX  at XXXX XXXX XXXX XXXX in the Oklahoma XXXX XXXX XXXX since XX/XX/XXXX. And I gave them the opportunity to resolve my issues but it fell on deaf ears.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to 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 2020-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the XXXX data breach does not make things any better. My information could be in the hands of lord knows who.

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 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
My identity was fraudulently use to open an electric utility account at : XXXX XXXX XXXX XXXX XXXX, TX XXXX from XX/XX/XXXX to XX/XX/XXXX with a company called XXXX XXXX XXXX ( aka XXXX XXXX ). Im XXXX resident and have lived at my current home address in XXXX since XX/XX/XXXX. I have never lived in XXXX Texas nor do I have any idea who used my information to open this account. The issue described here resulted in the utility company to persuade the money owed to them for the use of electricity totaling {$980.00}. Since the person that used my identity did not pay the bill they have sent it to collection with a company called Transworld Systems Inc and I now have a derogatory remark on my credit report, which cost me dearly. I have submitted supporting document to the collection agency ( Transworld Systems Inc ) including police report, utility bills from my actual address in XXXX, Oregon but they haven't remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NV

Complaint narrative:
Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX immediately this is double jeopardy!

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off from my credit report that isnt mine. I do not recognize these accounts. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I think I become a victim of identity theft. 
Please check for me. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
On XX/XX/2020 I received an email from Ally Bank stating that the telephone PIN on my savings account was recently changed and if I did not take this action, I should call XXXX ( XXXX ) immediately. I called and verified my identity. The first customer service representative could not give me any details about my account and stated that I would have to be transferred to Loss Prevention ( " direct line '' XXXX ). I was connected to XXXX. I was asked to verify even more information about my account and the information for another account that I transferred funds from. 

I attempted to log in to my account and was unable to do so because my account has been locked. XXXX stated that they were beginning an investigation into my account and would not explain why. Eventually, he stated that they were 'ending the relationship ' and I confirmed that meant they were closing my accounts. No reason was provided. I still do not know if the funds in my account have been accessed by someone else and I can not verify this myself because my account is locked. 

I requested to speak to supervisor and XXXX stated that he put in a request and I 'may ' hear from someone within 48 hours. When asked about how I will receive my money now that my account is closed, he stated that it would take 2 to 3 weeks. 

I have not been told why my account is under investigation, why I was connected to someone in loss prevention, if my funds are safe, or why my account is being closed.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 a purchase was made for a 2pc suit using Capital One credit card in the amount of {$320.00}. This buyer received only one piece of item from this purchase. This package was returned USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2020, this item was dropped off at the USPS. This package has not shown any movement since the drop off date of XX/XX/2020 and declared lost in transit. Several attempts were made to Capital One Bank to resolve this issue to no avail. Need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have been trying to work with JPMorgan Chase Bank to locate a check written off of a closed account ( XXXX ) that was issued between XXXX and XXXX. I have reached out to Chase on several occasions ( XX/XX/XXXX and XX/XX/XXXX ) to try and locate this item. I am constantly given the run around that without the check date, number and exact dollar amount they are unable to submit a research request. I have simply asked them to provide me with a copy of every check that was written during both of those years, and each attempt and yielded no response to my satisfaction. Each person I speak with keeps telling me that anything older than 2 years requires a research request ; that makes no sense as document retention policies require banks to keep records on file for 5-7 years. This is getting ridiculous that I have to submit a complaint with the OCC because JPMC refuses to work with me and is now advising me to walk into a branch in the midst of a global health crisis so that I can potentially get exposed simply because they don't want to work with me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AR

Complaint narrative:
In XX/XX/2020 department of education/ Mel net reported I was 90 days late. The month prior I was on time. I was still in grace period during the time they reported I was late. I have never been late on this account due to me never having to make a payment. How can I be on time in XX/XX/2020 then you report that Im 90 days late in XX/XX/2020 this is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On, SUNTRUST BANK DBA LI add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 
On XXXX XXXX, 2019, XXXX XXXX- XXXX add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: OR

Complaint narrative:
The loan was at 148 % for 17 month auto bank payments. at the end of the loan, the american first finance co. began draining my bank account at {$130.00} a day. after several daily thefts, I had XXXX  XXXX XXXX reverse the illegal withdraws. at which point American first finance turned the account of stolen money over to the XXXX XXXX  XXXX to get back the stolen money and report it to credit services if I do not Pay what they stole!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BlueChip Financial
State: FL

Complaint narrative:
This is some sort of fake debt collector law firm that has called family members, harassers me, claims I will go to jail. Uses abusive language on the phone.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
My small business uses Square as our point of sale system. We redesigned our entire website to be able to connect to Square through an online store. Our last deposit from Square was XX/XX/2020. We were notified beforehand that deposits would be withheld until more information was submitted. Per their request, we uploaded the COA ( certificate of analysis ) for the XXXX products that we have been selling since the pass of the Farm Bill Act. All of our products are local and completely legal and we provided the documentation requested. Their website acknowledges the uploaded documents. Weeks ago, one of our employees, my daughter, spoke with a Square customer service representative and they weren't sure why funds are being withheld but were going to escalate the issue. No response was received back. Telephone contact is no longer an available option for my business. Multiple emails have been sent but only through their website so there is no record on our end and no response from Square. No contact is possible and Square is withholding the money from our customer 's purchases of actual goods from our storefront. Meanwhile, we still have to fulfill our customer 's orders without being reimbursed by Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/2020, XXXX XXXX I have purchased a trading subscription, I bought it through XXXX using my capital one credit card. 

after requesting a refund on Thu, XX/XX/2020 I was supposed to get a refund of XXXX $ neither from the merchant/XXXX  or capital one. 

I have been contacting all of the above since then include today XX/XX/XXXX. 

I'm getting no money back from neither of them. 

What am I suppose to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have deposited {$3500.00} using drive thru ATM on XXXX. The ATM machine gave an error and the amount was not deposited into my account. I went to the branch on XXXX and they confirmed that the ATM was over by the same amount ( {$3500.00} ), but they said I have to file a claim to get my money back. I filed the claim and submitted the receipt I have from the ATM confirming my account number. Unfortunately I did not receive my deposit although it has been over a week. I visited the branch 3 times. First they said it takes 1-2 business days, then 3-5, and then 10 or more days. I decided to submit this complain since the bank is not transparent and not cooperating. I am worried that I may not get my deposit, or may get it but with a significant delay. With the current COVID situation and it's impact on all financial situations this is very frustrating. 
Bank : TD bank Branch : XXXX XXXX XXXX, XXXX, MA XXXX Complain # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 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: TX

Complaint narrative:
On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the Equifax data breach does not make things any better. My information could be in the hands of lord knows who.

Company response to consumer: Closed with explanation