vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My sister passed away in XX/XX/XXXX without a will. I went to XXXX  ( I live in XXXX  XXXX and gathered all of her documents ( I had a POA ) and went to the local Chase bank to inquire about some discrepancies on her account. They were extremely rude and told me to report any suspicious activity to the local police, which I did. Long story short, I finally got that resolved after months of making calls and basically being given the run around. I then decided to close her accounts but was told I needed an attorney to do so. I hired a XXXX  attorney who got me the necessary authorization which I took to the bank, along with her death certificate, but was told I needed to wait 5 months to closed her account in case Social Security had overpaid me. That XXXX months would have been in XX/XX/XXXX. I started contacting Chase in XXXX, who never returned my calls, the local branches were closed, and after numerous attempts, was put in touch with the decedent department. I was told I needed to send a letter requesting that the account be closed, which I did the same day. Allowing them time, I called back 30 days later and was told the letter was never received, that I needed to resend it. I asked to speak to a supervisor, who, after much delay, admitted they did have the letter, but needed more time to process it. Fast forward another 30 days, I called back and was told that I needed to send a copy of the death certificate and court documents. I asked why I wasn't told this the first five times I spoke with them, and they couldn't give me a straight answer. I then told them that the paperwork they required was given to Chase and I personally watched them scan it in at a local branch. Again, no record. Next call - same scenario - but this time told them how I had been treated and advised them I was making a complain against them. Suddenly, the paperwork was found and they advised they would expedite the processing. This was a week ago, No calls, no emails, nothing. I have never had such a frustrating experience with a bank, especially dealing with people who showed such disrespect and lack of compassion. It has now been over a year and half since I lost my sister, and I am still dealing with these clowns. I can not describe the grief they have caused me - this is just the latest. I could write a book about the discrepancies in charges and what I had to go through to get that resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: GA

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX  BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 
fraudulent inquiries on Equfax credit report. 

XXXX XXXXXXXX from XX/XX/XXXX XXXX  XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX XXXX   XXXX  XXXX from XX/XX/XXXX this was on all 3 reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir or Madam the information on my credit report is inaccurate : The XXXX account that I have shows a balance of over {$10000.00} on the Experian credit report. This is incorrect as the last statement balance {$6000.00}. I will attempt to attach a copy of the statement. 
There are also 4 unauthorized hard inquiries on my credit report from XXXX made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition there were 4 unauthorized inquiries made by XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I will attempt to attach the letter and certified mailing.

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lakeside Recovery Solutions
State: PA

Complaint narrative:
XXXX XXXX saids he is a paralegal, of Lakeside Recovery Solutions phone number, XXXX.Just found phonecall today but date on voicemail XXXX.He saids i returned mail in reference to a legal matter i have returned no mail these past months he doesnt have my address and wants me to update my address on there system? He has my name and last 4 # 's of my social security number.He states they hold the legal right to begin the forceful recovery process they have a pending docket # XXXX.They dont tell me the company i owe money too? They dont mention an amount? and they are giving me a docket # yet they dont know my address? This is the first phonecall from this company and it made me uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC
State: MI

Complaint narrative:
I sent a dispute letter that accompanied a police report to Kaps and Co  which a representative by the name of XXXX confirmed was received on XX/XX/20. On the letter I requested them to cease and desist. The continued to contact me and even sent me a letter dated XX/XX/20 which is a FDCPA violation. Today I've spoke to XXXX and and manager by the name of XXXX who hung up on me although I was nice on he call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.

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 2020-10-07 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: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
I have a credit report dated XX/XX/XXXX indicating I was late 60 days late XX/XX/XXXX which is correct. I paid the loan in full in XX/XX/XXXX. When reported again my credit report indicated I was 60 days late for the month of XXXX. I have spent countless hours and sent bank statements, copies of credit reports with no success to get the reporting corrected.

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 2020-10-07 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: TX

Complaint narrative:
Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, Equifax and XXXX, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, XXXX  and Experian, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OR

Complaint narrative:
I was shopping for wireless plans in early-XX/XX/XXXXor may be late-XX/XX/XXXX.  XXXX wireless was one of the plans that I checked out at the time. They asked for my information to check what was available ( I am not sure if they did a credit check ). I finally ended up buying the XXXX   wireless plan. So, I directly switched from XXXX XXXX XXXX to XXXX on all my devices. XXXX was never activated on any of my devices. Naturally I have never used any XXXX service - made no calls, received no calls, used no data. In the process, they enrolled me in some XXXX plan and I started receiving bills to my surprise. Initially, I assumed it was a mistake on their part which would be corrected soon. Later, my account was sent to a collections agency ( XXXX XXXX ). I used the online XXXX dispute-resolution portal to file a complaint with XXXX, which was turned down. Of course, as I had never signed up for the service, they never asked me for any payment information ( such as credit card info ), so they did not charge my credit-card or anything. Then I disputed this Collections account with the credit agencies and it was finally removed after a lot of effort. 
Recently ( around 2 weeks ago ), XXXX has used another collections agency ( Receivables Performance ) to collect the same erroneous bill. I got this new collections account removed from my XXXX  records, but the dispute I filed with XXXX  is still under processing. This collections account has unfairly spoiled my credit record and could be a potential problem in our home-buying process. 
I would request the respected CFPB-officer to look into this matter and help removing this erroneous account from my credit-file, hopefully at the earliest. 

Thanking you, 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 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I received a letter from SST stating that my force placed insurance that was incorrectly placed on my loan on XX/XX/XXXX was credited to my loan balance. I am not sure of the exact date of the credit, so I am going by the date of the letter mailed to me which was XX/XX/XXXX. 
I have requested statements from SST which reflects this credit to my loan on the following dates : XX/XX/XXXX - Emailed SST requesting statement reflecting credit for force placed insurance. 
XXXX called and spoke to XXXX and requested a statement reflecting credit for the force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 
XX/XX/XXXX - Emailed requesting statement reflecting credit for force placed insurance. 

I have made four attempts to reach out to SST and receive a statement which reflects where the force placed insurance was credited to my loan. I can go online and get a payoff balance, which I have done, on XX/XX/XXXX. 

I need a statement which reflects the exact date of the credit for the force placed insurance to figure out how much credit SST owes me for interest accumulated for the {$11000.00} force placed insurance on my loan from XX/XX/XXXX through XX/XX/XXXX. I can only go by the XX/XX/XXXX date, the date of the letter, since SST WILL NOT send me a statement that reflects the exact date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Good evening, after paying off my balance in XX/XX/2020, I closed an account with Fortiva on XX/XX/2020. Since that time, this company continues to bill me for an account that is closed with a XXXX balance. Not only am I being charged late fees and yearly renewal fees, I am also being charged a {$12.00} maintenance fee every month, tolling {$170.00} a year. This information was not provided to me when I opened this account. I have tried UNSUCCESSFULLY to dispute these charges with this merchant. Not only am I requesting a cease and desist, I am also requesting that this information be given to other consumers so that they are aware of these inaccurate and fraudulent credit card charges before they decide to open an account with this merchant -thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) WAYPOINT ( XXXX XXXX ) 2 ) XXXX  ( XXXXXXXX XXXX XXXXXXXX XXXX ) This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We recently refinanced our mortgage. The lender, Freedom Mortgage, charged us for four pay-off statements even though there were only two payoffs received by the escrow company. So the overcharge was {$60.00}. We reached out to Freedom by phone an email. They refused to confirm that we would receive a refund of {$60.00} for the two additional pay-offs.

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