vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I look at my credit report, and seen this company had a collection under my name. 
I attempt to contact the company to get information and why a collection is under my name. The company provided me a website and that is where I got the acct. number from the website. I sent them a letter XX/XX/2020 at XXXX XXXX providing information with my acct from the website they provide. www.icsystem.com. The company sent me a letter stating they didn't have any information to provide, so why do I have a collection under my name with company if they claim I don't have an acct. with them.

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 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Around XX/XX/XXXX, I linked for wire transfer purchases my XXXX Account to my JP Morgan Chase account. 

On XX/XX/XXXX, I successfully verified via trial deposits my XXXX Account to my P Morgan Chase account, so I can wire money from JP Morgan to JP Morgan from XXXX. 

On XX/XX/XXXX, I scheduled a transfer from my XXXX Account ( Account No. XXXX XXXX to my XXXX XXXX Chase Banking Account ( either Account No. XXXX or Account No. XXXX ), and instead of the funds going through, Chase Bank froze my online login because of " suspicious activities, '' and I do not know if the transfer from the XXXX Account to the Chase Banking has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/2019 Ordered online 4 items for Pickup at store picked up XX/XX/2019 XX/XX/2019 Ordered Online XXXX XXXX XXXX XXXX for Pickup at store XX/XX/2019 XXXX delivered package, no one at home, left package at door returned from work at XXXX no package at door XX/XX/2019 called store, " when can I come for pickup '' Store, " package delivered on XX/XX/2019 '' Package 'missing/stolen '

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 monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I, XXXX XXXX, am requesting for CHIME BANK ( The XXXX XXXX ), to Refund my Dispute against XXXX XXXX the Amount of {$190.00}. Date of Transaction : XX/XX/XXXX. XXXX XXXX canceled the Flight from XXXX Texas to XXXX Florida for ALL Passengers and they are saying the member did the cancelation when I have not done so. Now money is sitting in my XXXX XXXX Account as a Credit to be used no later than XX/XX/XXXX. XXXX XXXX has mentioned multiple times that they will go ahead and refund the full amount of {$190.00} back in to the account that was used to make the purchase. ( Chime Bank Debit Card ) and to please allow up to 7 business days to the refund to be into the account. Since XX/XX/XXXX there has been no refund of the amount of {$190.00} into my Chime Bank account. I have called and emailed Chime Bank as well and also have gotten no where. Now I am tired of disputing this with both the XXXX and the Bank and I am going to you and to the XXXX : XXXX XXXX XXXX and file a complaint against XXXX XXXX. I am now requesting for the FULL REFUND Amount : {$190.00} and plus Interest for this Delay and waiting and Financial Hardship and Due to this COVID19 which is what XXXX XXXX as well mentioned but still neither party has resolved this issue. PLEASE ASSIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed the collection account ( XXXX XXXX XXXX XXXX ) with Experian in XXXX of 2020 whereas Experian said the debt was valid. I disagreed and contacted the debt collector ( XXXX XXXX XXXX XXXX ) directly in writing on XX/XX/2020 demanding and under XXXX XXXX they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested Experian remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.

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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascension Recovery Management
State: FL

Complaint narrative:
XXXX XXXX XXXX  sent a collection letter for XXXX XX/XX/2020, I sent a letter XX/XX/2020 to the collection agency : ASCENCION RECOVERY MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX I requested VERIFICATION /VALIDATION of the debt, on XX/XX/2020 I received the proof of signature via usps, the person signed : Covid 19 THIS " AGENCY " is commiting FRAUD, they need to be investigated. 

XXXX XXXX XXXX has NOT PROVIDED any VALIDATION of ANY DEBTS!!! as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
I initiated a refinance with a cash out with Caliber Home loans XX/XX/XXXX. Everything went fairly smoothly until the third party title company, XXXX  XXXX, who Caliber selected to handle the paperwork, became involved. 

First, the paperwork was a mess. As part of this process, we were removing my ex-husband from the deed. He wasn't listed on the prior loan, or on the refinance, but he was still on the deed. When the notary showed up with the paperwork, instead of removing him from the deed, they listed him as a borrower and they had the closing costs listed incorrectly. I get it ... mistakes happen ... so we scheduled another appointment to sign the new paperwork. Except, it was still messed up. In total, the notary had to come three times ... my ex and I had to take time out of our day and try and coordinate our schedules ... it took in total 3.5 hours of our time just to deal with the paperwork with the notary. I am glad my ex and I are on good terms ... can you imagine how difficult that might have been if we weren't?! 

I received notification that the loan had closed and funded on XX/XX/XXXX a little after XXXX, and that the funds from the payout would be wired within 72 hours. I conservatively set the deadline for when I should see funds in my account at end of day on the XXXX, which was 3.5 business days, well over the 72 hours. At end of day Monday, the funds had not been transferred. I reached out to Caliber, and was notified they were looking into it. On Tuesday, I reached out again and was informed it was escalated it to management. 

It's now the XXXX. I spent 3.5 hours this morning trying to figure out what is going on and where my money is. XXXX XXXX told me it was a COVID-19 related delay at my County Recorders office, but that they had received a notice yesterday that it was recorded and I should receive the funds today. To confirm, I called my County Recorders office, who informed me that was not the case, the paperwork HAD NOT been recorded but rather had been rejected, and it wasn't in line for recording. At this point, I then called and talked to XXXX XXXX at XXXX XXXX, and I did a three way call with my County Recorders office. The guy at the recorder 's office let her know what is going on, and she was going to get in touch with the recording team to resolve. 

I have no idea when it will be resolved, however, in the meantime, I am paying interest on two loans, and I still don't have the $ XXXX in my account that should have been there two days ago. It appears everyone involved from Caliber to XXXX  XXXX is satisfied with sending me emails that they have " escalated to management '' and apologizing for the delay. 

IN CASE THIS IS TLDR ... I STILL DON'T HAVE $ XXXX IN MY ACCOUNT THAT SHOULD HAVE BEEN THERE TWO DAYS AGO!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Name Is XXXX XXXX, Number XXXX, I have a checking account with Bank of America. I have been a problem with this account that someone keeps trying to use my card with XXXX and XXXX. I already told the Bank to block all transactions for anything from XXXX and XXXX. XXXX of the Claims I have with this kind of transactions with a total amount of {$330.00}, and the Claim # XXXX they denied it. The reason is that I have a transaction with the same company back in XX/XX/2019, and I have signed in to the mobile app 6 times before I placed the claims. I told them that I was not able to have some with me on the customer service number, because their office was closed. I was able to place the claim a couple of days after that. And the transaction on XX/XX/2019 I just didn't realize that. Back in XX/XX/2019, when I first get this kind of transaction I already told BOA to Block all transactions from XXXX and XXXX, and they knew that I lock my card all the time. I also called XXXX to let them know I didn't make those transactions. It is very unfair for me that I not getting paid for transactions that I didn't make. During their research, they never contact me for information. Also, even I didn't use my card after I replaced it, those transactions still went through.

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 monetary relief
Consumer complaint received 2020-09-24 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-24 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XXXX, a payment was taken out of our escrow account by our mortgage company, Mr. Cooper to pay someone else 's hazard insurance in the amount of {$7600.00}. We discovered that they had made the error in the early XXXX, when I found that our escrow balance was significantly negative on our monthly statement. I called the Mr. Cooper insurance department to find out what was going on and immediately, Mr. Cooper took responsibility for the error and told me our account would be refunded as soon as possible. 

In XXXX, our mortgage was transferred to a new company and unfortunately, our negative escrow balance followed us to the new mortgage company because it hasn't been resolved. We are attempting to do a streamline refinance and can not because of the negative escrow balance that was created by Mr. Cooper 's error. 

After numerous calls to the XXXX department, escrow department and escalations department within Mr. Cooper, the issue is still not resolved 4 MONTHS LATER! We have been told multiple times that a refund check was being mailed to us. When the check does not arrive as promised, we call back and get a different story from a different representative from the company. Mr. Cooper has assigned a escalations department representative to our account to help us resolve it, and she will not return calls or emails. 

In my opinion, this is fraudulent. Mr. Cooper took money out of our escrow account by error and are not returning it. This issue has gone on for 4 months without resolution and we are running out of patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX   XXXX  ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do! 
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: LEXISNEXIS
State: TN

Complaint narrative:
XXXX  reported an at fault accident to Lexis Nexis. And that made my car insurance go up, and now I have 4 points on my mvr. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call Lexis Nexis they are telling me that they cant do anything about it because XXXX  reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in  correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. 

If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. 

Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. 

TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. 

I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. 

They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. 

True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
I disputed the collection account ( National Credit Systems Inc. ) with XX/XX/XXXX in XX/XX/XXXX whereas XX/XX/XXXX said the debt was valid. I disagreed and contacted the debt collector ( National Credit System Inc. ) directly in writing on XX/XX/2020 demanding and under Federal Law they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested XX/XX/XXXX remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: TN

Complaint narrative:
XXXX I disputes an inaccurate and unverifiable medical collection with Equifax..3 alleged accounts total.Equifax removed 2 of the accounts but came back with the third account as verified.These same accounts from the same data furnisher were disputed also with XXXX  and XXXX both CRA 'S deleted all 3 alleged accounts from my credit file.My right to a 100 % accurate credit file has been violated and Equifax has failed to comply with the FCRA.I have provided proof that these accounts should be deleted immediately from my credit file.My ability to obtain financing has been severely harmed.

Company response to consumer: Closed with explanation