vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Chase they claimed that they had investigated and came out with the idea it was me because someone called and verified with a PHONE NUMBER THAT WAS NOT MINE. 

These accounts with Chase bank are the result of fraud and under the FCRA 2009 ( a ), these charges are fraudulent and this account was opened fraudulently in my name.

Also in accordance with 615 ( g ) of FCRA that the account is known to be Fraudulent, so that the original creditor can not sell, or transfer the debt. 


Chase seems to be playing this debt off saying its not fraudulent because someone called and said they were me and received a security code from a phone call that is not mine. 

I have and will once more send over a FEDERAL AFFIDAVIT identity theft report to Chase under the penalty of perjury, also I will once more supply Chase with the needed information and paperwork to produce the ACCURATE decision. 

They opened other accounts and every creditor other then chase has conducted a accurate report, in a timely manner.. Im a college student and should not be having to jump through loopholes with Chase to resolve this issue Under the FDCPA 2009, this debt is uncollectable by furnishing the appropriate information in a timely manner to Chase bank. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau,  and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TN

Complaint narrative:
I asked Experian to correct my name. They refuse to. I asked them to verify XXXX XXXX XXXX and/or remove them. They refused to. I tried to verify it myself and USPS sent it back unable to deliver, unable to foraward. I asked them to remove bankruptcies that were filed but never finished due to bad legal advice and they refuse. I asked XXXX to and they researched it and removed it.

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 2018-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Someone stole my identity and used my credit cards from capital one for goods without my consent or knowledge. I have been diagnosed with XXXX XXXX and was in able to protect my identity and credit cards during my XXXX treatments Capital One is making me pay for 3 credit cards that someone or company has stolen access to my personal credit cards information and used the credit cards for their personal needs. I have not used the credit card, but I have been trying to pay each month for credit cards that I have not been using

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 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: Credit Plus Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted an online application at XXXX mortgage giving permission to pull my credit for a loan. Two weeks later, XXXX pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from XXXX mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: CA

Complaint narrative:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false.

I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXX and XX/XX/XXXX and not {$5.00}.

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 2018-03-10 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: CA

Complaint narrative:
XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false. 
I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXXand XX/XX/XXXXand not {$5.00}.

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 2018-03-10 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: TN

Complaint narrative:
I requested Transunion to remove 2 bankruptcies from my credit report that were filed but never discharged due to bad legal advice. As you can see from my credit history I was current on all my debt. This should not be on my credit under the Fair Credit Reporting Act. XXXX   investigated and removed it and I feel Transunion should too. When I tried to get my credit report today XX/XX/2018, Transunion refused to provide it unless I paid their {$19.00} a month ransom.

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 2018-03-10 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:
Please remove inquirys on my report due to identity theft as per attached letters. 
Credit Reporting Bureau : Equifax XXXX XXXX XXXX, Dated XX/XX/2017 XXXX XXXX, Dated XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been speaking to different representatives for over a month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I even have duplicate inquires on my report from where a creditor ran my credit twice within one month and a creditor is only supposed to be able to run your credit only once within a single month. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed. Today on XX/XX/2018 was the last time i contacted them and spoke to a person named XXXX who is a XXXX handler.

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 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
My loan was recently transferred to a new mortgage lender known as Carrington Mortgage. Ever since this transfer Carrington Mortgage has been receiving my regular monthly mortgage payments and has refused to apply the additional funds sent with these mortgage payments to my escrow account. I have sent multiple requests made multiple phone calls and yet the company refuses to apply the funds accurately and correctly. Diring this month alone I currently have {$310.00} sitting in a suspended in a account in which I am unable to have moved over to my escrow account. My payment is due on the XXXX of each month but I have until the XXXX to complete the full payment for the current month. Upon making these requests I had to had to reach out several times to make numerous complaints about these additional funds I sent not being moved to my escrow account. I advised my current lender that I am not late on my mortgage payment and therefore have the right to have the funds in which were submitted to them, applied accurately and correctly. This is been an ongoing battle with our to my mortgage account. I was provided misleading and inaccurate information multiplte time and I believe this company is violating my rights underneath the Real Estate Practices Act.  In addition to the mismanaged of funds, when I asked for a comprehensive breakdown of my payments ; a detailed loan history as to where my funds were being applied and where they were being held, along with what my regular monthly mortgage payment was I kept getting misleading and inaccurate information Everytime. I've complained to Carrington Mortgage that my current mortgage statements are not matching the application of my payment throughout the online portal in which they provide as the payment history is showing unclear payments and different amounts than what's being submitted. I am extremely concerned as I believe Carrington Mortgage is inaccurately and illegally misapplying funds with an intent to manipulate these funds to embezzle money. This company should not be allowed to conduct business as a mortgage servicer until they can ensure consumers are provided accurate and complete payment records. Please investigate this issue further as I believe as a homeowner I shouldn't have to fight my mortgage provider for this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX all accounts were last paid in XX/XX/XXXX. Shown on my credit report as XX/XX/XXXX but 2 of the 3 accounts are still on my report. All 3 should have been removed as they are more then 7 yrs old like XXXX and XXXX has removed them. XXXX XXXX XXXX needs to be removed as its not mine. When I tried to contact that company for more information, I received the letter back by the USPS as unable to deliver or forward on XX/XX/XXXX. So I would like to know how Equifax was able to verify it. XXXX XXXX XXXX has never responded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: OK

Complaint narrative:
Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: SC

Complaint narrative:
I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been speaking to different representatives for over 2 month because of fraudulent inquires on my credit report and they refuse to delete the inquires off of my report because they don't belong to me. I have been going through this for the longest and it is a shame that you have to go through so much just for something that they allowed to happen to your report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
SCA Collections currently has three medical accounts of mine and are on my credit for a balance. I don't know anything about these debts and not even sure if they are valid or even mine. I sent them debt validation letters and never got a response back from them so now I'm getting tired of the hassle with them being on my credit. If a creditor sold them the debt they still couldn't validate it because it is illegal for a medical facility to share any medical information about you because that would be violating the hippa act so I am not satisfied with what's going on with these collections.

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 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my second complaint about Capital One, Previously Ive made numerous attempts to get credited for charges by someone else who used my card with no avail from Capital One. 
I paid Capital One in full, so I am currently at XXXX balanced due. 

My computer was hacked in XXXX my credit was in jeopardy, someone intended to open accounts in my name. And I lost money because my credit card had been used. 
So one day I closed my Capital One online profile ; not knowing that Capital One was going to block me, and locked access to my available credit. 
Ive tried multiple times to restore access to my available credit but Capital One said that my account had been closed by me ; but it wasnt true since Capital One kept charging me interest. 
I became more unhappy after seen that Capital One have had charged me XXXX . Even though my balanced was XXXX, and I was denied of the privilege to access my well earned credit. 
I was a customer of Capital One for at least 10 years if not more. 
My Capital One card ends in XXXX expires XX/XX/XXXX Capital One replied to my previous complaint and furnished someone elses credit statement including name last name and home address. 
That makes me uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an escrow account on my mortgage and requested my property tax to be paid before XX/XX/2017. Wellsfargo agreed and sent the payment late. I paid amount of {$5300.00} since the payment was not received in timely manner. XXXX XXXX County refunded Wellsfaro the amount of {$5300.00}. There have been 3 different people assigned to my case up to this date and I have not received the amount that I advanced myself.

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