vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to the Chase XXXX branch in XXXX, VA to open a business checking account with a promotional code I had received in an email. I worked with a bank named XXXX XXXX, who opened the account for me. He took both my driver 's license and court document for my business trade name and made copies/scans of in another room while I sat in the office. 

A couple days ago, I received a letter postmarked XX/XX/XXXX, saying that additional information is needed to keep the account open, and that I needed to supply this information by XX/XX/XXXX. I did not received this letter until the end of the day on the XXXX, which was a Friday. I called into Chase to try to figure out what exactly they needed, but they would not tell me anything, only that I needed to go to the branch I opened the account in to resolve this issue. No further information was given. I didn't even know what documents were needed to keep my account open. 

I couldn't visit the branch on Monday due to work, and ended up going the earliest I could, which was Wednesday, XX/XX/XXXX. In between then, I called multiple times to the branch to see what could be done on their end and every time, they said they'd look into it and get back to me, and they never did. Finally, on Wednesday, I went in person, was assigned to a banker named XXXX, who proceeded to take my all my personally identifiable information again and go off into some back room for 15 minutes. When he came back, I asked him what he did, and he said he scanned the documents into the computer and that I should be good to go. I asked him what was missing before that caused this issue, and after 5 minutes of browsing on his computer, he couldn't tell me. I asked him how long it would take to know if the issue was resolved and he told me to call back in 2 business days, but couldn't provide anymore information. 

Later that day, I decided to call into XXXX myself and try to follow up. I was eventually forwarded to the XXXX compliance department who told me that the account had already been closed on Tuesday, XX/XX/XXXX. This was the day before I went into the bank, had a banker take all of my personally identifiable information into a back room for XXXX minutes XXXX same as the first banker ) and come back and tell me I was " good to go. '' The compliance representative told me the banker should've been able to see my account was closed, and that if I had wanted a checking account, I would've had to open a new XXXX. Therefore, there was no reason for him to take my information to " scan. '' I'm very worried that my personally identifiable information has been compromised at this branch. When I was there, I found out that XXXX XXXX was not even an employee at that branch. When I looked at my paperwork, it showed that my account had been opened in the " XXXX XXXX - XXXX '' branch, which is all the way in New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I noticed an account with Receivable Performance that I was unaware of. XX/XX/19 I disputed the account with the credit bureaus and Receivable Performance verified the account as accurate. I also sent a letter requesting validation ( Tracking XXXX XXXX XXXX XXXX XXXX ) on XX/XX/19 and Receivable Performance failed to respond or provide the proper validation. Not only did they not provide me with validation. There is another company collecting on this SAME EXACT debt. This is illegal. Two companies can not collect on the same debt.

Being that I never received any documents from Receivable Performance, I am pretty sure they do not have the right to collect this debt. 

Please delete this account from my credit reports immediately.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was recently contacted from XXXX regarding a fraudulent account that appears under my name and social from Discover Card I never given anyone permission or consent to open said account. I immediately reached out to Discover to report that this card was not mine and was given the complete run around. They tried to give me an address to write into. 

Unhappily I escalated to a manger who in return gave me a number to the executive office. Once I indicated to the executive office that I filed a complaint they said it will be handled through that channel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: TX

Complaint narrative:
Sometime in 2017 a checking account was opened using my social security number and a name different than my own.my name is XXXX XXXX But someone created a synthetic credit file using my social security number but using the name XXXX XXXX along with a fake social and id in that name.already filed multiple police reports as well as a ftc report.Us bank is reporting that I owe thru XXXX.the account was opened in Wyoming after investigating myself.also many fraud accounts were open in Wyoming and Colorado around this time frame.I have never lived in Wyoming.or Colorado.I provided proof of my residency while filing reports with police etc.I have always lived in XXXX texas.the social security number used was 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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
THEIR WAS A {$2400.00} CHARGE ON MY MY SUNTRUST MASTERCARD ON XXXX-XXXX-2017 THAT I DIDN'T AUTHORIZE. IT WAS PAID TO XXXX XXXX. I TRIED TO CONTACT THE BANK AND WAS TOLD IT WAS LONGER THAN 18 MONTHS AND THEY COULDN'T DO ANYTHING.

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 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We bought our home in XXXX XXXX was are mortgage company. Through the years from XXXX and XXXX, are mortgage jumped to XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, Greentree, XXXX XXXX and everyhome now Ditech. We were never told about our mortgage being sold. Ditech is forclosing on us with a note dated from XXXX XXXX. There documents say they received our loan from XXXX in XXXX.but we were paying Greentree since XXXX. Because everhome sold our loan to them. That's the only time we got notice sale of our mortgage. We can never get anyone on the phone to discuss our loan. We had to use are son 's phone because it had a different phone number and immediately someone answered. But didn't show us having an account with them. So she transferred me. And was left on hold for an hour and 45 minutes. Just hung up. They say we can modify but keep saying there missing things. Now we're a little over a year of them refusing to except payments and not answering the phone. Also kept sending everything they asked for but keep getting letters and statements with different amounts owed. Or items missing. Horrible to drag customer 's along the longest they can, and cause them to get father behind when we could have payed our mortgage 4 months after the missed payments. There customer service knows nothing and you never talk to a representative. Something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: AR

Complaint narrative:
MULTIPLE AND REPEATED PHONE CALLS THROUGH OUT THE DAY on my place of employment and leaving multiple messages in my phone, threats that if I dont contact them I will be placed on Collection etc

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Today I found out that my Best Buy card has been charged a monthly fee for " Debt Protection. '' I called Best Buy to see what this was and when I had purchased it. They said that it was in case I ever lost my job, died, etc, so I could keep making payments, and they said it had been on the account since I opened it in 2005. I never noticed this before, because I generally pay the bill online and only look at the amount due because I rarely use the card, and have primarily only used it for large purchases. In other words, I trusted Best Buy and assumed that a handful of transactions + interest would show up on my statement in a given year. At any rate, since 2005, I have been charged over {$5000.00}, although the representative could not give me an exact amount because the card was no longer serviced by XXXX, who serviced the original card ( I am attaching the statements I was able to access ... you'll be able to see year-to-date for the last three years ). 

This whole thing is problematic for a few reasons : 1 ) I never purchase or agree to these types of plans. They are a waste of time and that is why I have insurance/disability. It would be very out of character for me to agree to something so trivial. 2 ) I have no recollection of agreeing to this plan, and I have a pretty good memory. I remember specifically setting up this account in the store and paying close attention to what the representative was saying as he explained everything. I was careful about what I agreed to and what I did not agree to. This was my first credit card, and I researched it and asked lots of questions before signing a single thing. 3 ) This is not the first time something like this has happened. I have heard from close friends as well as countless people on Best Buy message boards who were mislead by Best Buy employees who used unethical tactics to take advantage of customers. 

I have spoken to several people inside of the Best Buy organization and they have told me that this will need to be reviewed. However, I was never given that option. Instead, they took money from me without my knowledge or consent for years. So, I would like to file a complaint and ask that they return every penny.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX XXXX  on my credit report with Equifax. The package also highlighted fraudulent inquiries that should also be removed. The account and the inquiries in question is still reporting under my name and social via my personal credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I noticed an account on my credit reports that I didn't recognize. I disputed with the credit bureaus on XX/XX/19. The account came back verified. I also sent a letter requesting validation from Diversified Consultants on XX/XX/19. ( Tracking XXXX XXXX XXXX XXXX XXXX ). I never received a response or a proper validation from Diversified Consultants. 

Being that there is another collection company collecting on the SAME DEBT, I didn't expect to get a response from them. It is illegal for two collection companies to collect on the same debt. 

Please delete this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center
State: PA

Complaint narrative:
XXXX XXXX at extension XXXX called my work the phone was answered by another associate who reported he was rude and asked why she was afraid to tell him her name. The associate repeatedly told him that he was not allowed to call my employer he pressed the issue until my manager got involved. I am not 100 percent sure if this is about a credit card I have been harassed for 15 years for a debt I don't know of. I have been in good standing with my bills for 15 years and I have had numerous calls from numerous sources none of which can tell me who the original owner of the debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/2019 I requested a loan payoff from Shellpoint Mortgage Servicing beacuse I had been approved for a refinance with XXXX XXXX XXXX XXXX. I was then told I could go online and request a payoff letter after logging into my account. I tried several times to get the payoff from their website, but I kept getting a message stating " We are having trouble submitting the formal payoff requested. Please try again in a minute or two ''. As of today XX/XX/19, I am still getting this same message. 

My mortgage loan was originally with XXXX XXXX XXXX, but was sold to various servicing companies. Shellpoint Mortgage Servicing is the current company servicing my mortgage loan. 

I have called at least 2-3 times a week requesting to speak with a manager, but I never have because the rep says they are unavailable and will request one to call me within 24 to 48 hours. The representative told me on XX/XX/19 and every time I called afterwards throughXX/XX/19 that I will not be able to get my loan payoff letter until the mortgage rate changes on XX/XX/2019 so they can give an accurate account balance. I asked what was the rate change and when would it become effective.I am trying to lower my interest rate and get a fixed mortgage. She was unable to give me that information as of yesterday XX/XX/19 and she would be sending the loan to the interest rate change department. The rep stated once she reviewed my loan terms, I was scheduled for a rate change every six months, therefore the rate should have changed on XX/XX/19. I stated since Shellpoint hadn't followed the guidelines, why couldn't I get a payoff letter immediately. The rep then stated Shellpoint had until the end of XX/XX/2019 to make the rate change. I explained to Shellpoint I was approved for a refinance and I shouldnt have to wait thirty days for the rate to change before I get a payoff letter, or if the lender could wait that long.The rep stated that this is their procedure and no one could over ride it. 

This practice that Shellpoint is exercising appears to be illegal. I thought the mortgage company would try and help the consumer, not impose additional financial stress on the consumer.I feel I have been treated unfairly and Shellpoint is purposely trying to collect additional money off my loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This is a recent hit to my credit report. I believe this to be fraud because I have never heard of the collection group or the original creditor.

Company response to consumer: Closed with explanation