vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am executor of my cousins estate who passed away XX/XX/2020. The account is with chase bank. You have to call deceased number XXXX but it says send email to XXXX and hangs up. I sent email to that address at chase bank to close the account and send me a check for the amount in the account. I sent them all paperwork XX/XX/2020. All contact was by email. They asked for more documentation and on XX/XX/2020 they said they had processed the paperwork and will send out a check. I did not received a check. I sent them an email on their encrypted email server on XX/XX/2020 and did not receive a response. I sent them another email on the XX/XX/2020 and no response. I sent them another email XX/XX/2020 and no response. I also called the local branch on XX/XX/2020 and they said someone from escalation services will call me. XXXX XXXX # XXXX called me and left message but no return number to call. I redaiedl the number she called me from but it went to main chase number. I again email them on XX/XX/2020 and no response. I called the local bank again and asked to speak to esclation department again. I called chase and asked for escalaton department. It ent to voicemail and said to leave a message. 
In summary I recieved a message from chase in thier private email portal on XX/XX/XXXX that a check will be sent to me, It is now XX/XX/XXXX and I do not know he status and can not reach anyone in the deceased department to find out any info. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I get emails saying theres been a breach but cant sign in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Ancient Mortgage Satisfaction of Mortgage was never filed with the County of XXXX, NY from XXXX XXXX XXXX XXXX. Pentagon Federal CU is the successor of XXXX. Due to being unable to satisfy this request prior to house sale, we were required to put $ XXXX in ESCROW until we can get the satisfaction of mortgage filed and a copy to the title insurance company. 

Pentagon Federal CU consistently refers to the mortgage they held for us for $ XXXX. This mortgage has been released and the satisfaction of mortgage has been filed. 

XXXX XXXX XXXX XXXX XXXX mortgage filed LIBER 6834 Page 66 Pentagon Federal CU XXXX mortgage filed LIBER 11671 page 0916

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 2020-12-08 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. 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 2020-12-08 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. 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 2020-12-08 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: TX

Complaint narrative:
I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
My purse was stolen and the person that stole my wallet ordered merchandise from XXXX using my checking account and other information they found in my purse. 
I contacted Telecheck to advise them that I am a victim of identity theft. They refuse to stop trying to collect the money from me.

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 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have a debt on my account from XXXX, I have no knowledge of this debt nor have I received any letters from creditors naming me as the owner of this debt. This debt is fraudulent. This debt in amount of {$270.00}, from XXXX, dated XX/XX/2020, to be collected by Focus Receivables Management is not valid. Obtain verification of the debt or obtain a copy of a judgment and mail myself a copy of such judgment or verification. I request of this office to provide myself with the name and address of the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion. I have requested this information now 3 times via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-12-08 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 sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2020-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was on time with this account every month and I had a automatic payment set up from my bank but there was a small charge of XXXX dollars and automatic payment did not cover it for the months they claim I was late even I paid the original payment amount on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and XXXX  to investigate the Dyke O'Neal account, which is reporting inaccurately on my credit report because I have NEVER done any business with Dyke O'Neal & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to Dyke O ' Neal, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) Dyke O'Neal is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my XXXX  and XXXX  report, and if XXXX  and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 
Also, if you take a further look, Dyke O ' Neal is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that Dyke O ' Neal is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
It's XX/XX/2020. 

I have not received my XXXX Statement and My Payment is due on the XXXX. I did not receive my XXXX Statement until XXXX. I contacted SPS about previous late statements before XXXX. The Statements are still pushing the Payment Date real close. All I get for an answer is it's the Post Office. This is not my first complaint. In My previous complaint I addressed the late statements. They are still coming very late. 

God Bless, XXXX is wondering where the protection is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CO

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

On XXXX. XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, 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 2020-12-08 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-08 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: TX

Complaint narrative:
I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

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 2020-12-08 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:
I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I've filed multiple complaints against Navient to stop attempts at collecting my default private student loan until the new year begins. I'm still being contacted via email to call Navient to discuss repayment options ( the first email was received today at XXXX XXXX  on XX/XX/2020, from XXXX XXXX XXXX, who is a Team Lead- Post Default agent with Navient 's Recovery Department ). This is a direct violation of their agreement to not pursue debt collection until after the new year because of being impacted the Covid-19 pandemic. But for some reason they feel a need to break this previous agreement and pursue repayment options. Somehow I'm not surprised though : they seem incapable of keeping any agreement they make with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had an account with Wells Fargo Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, XXXX  and XXXX  and to no avail did any corrections happen. It seems they get the data from the same source Wells Fargo which seems to be sending inconsistent data.

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 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America
State: IL

Complaint narrative:
They keep robocalling me from multiple numbers. Have responded to the first one to remove me from their list. I do not know what they are calling about or why, it is just constant robo calls. 

XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) They have called me from the following numbers -- all robotic. For times I have answered, they don't even have an option for removing me from their call list. Its just a continual message - sometimes asking me to call them, sometimes saying its a " final notice ''. I don't know what it is about, I really just want these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I closed on a mortgage XX/XX/XXXX. TMS told me I didn't have a payment for the first month ( XXXX ). Unfortunately, I contracted XXXX the end of XXXX and was unable to set up my account for my first payment in XXXX. My credit score was over 760 when I got the mortgage and is now below 700. 

I called TMS and asked them to remove the late payment from my credit since I've made every other payment in my life on time and the circumstances were out of my control. They refused and now my credit is almost 100 points lower. I'm a very financially responsible person looking to downsize my house but now I can't - all because I got XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This is an account that shows up on my report but isnt mine. I disputed the account numerous times but never got any validation or verification that it is my account.

Company response to consumer: Closed with non-monetary relief