vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX XXXX, and XXXX/XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: AFNI INC.
State: UT

Complaint narrative:
AFNI collections is reporting an errenous collection on my credit. I recently checked my credit and noticed this debt reporting. I called immediatley and settled the debt. I was completely unaware about any debts because I never received calls or notices regarding this debt. This violates my 30 day right to dispute this account must be removed from my credit file This has been paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: MIDFIRST BANK
State: GA

Complaint narrative:
Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update my credit file.

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 2021-02-25 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: TN

Complaint narrative:
CRA 's refuse to remove fraudulent information from my consumer 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 2021-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
XXXX This is my original complaint number. Since my complaint PHH Mortgage has transferred my loan to XXXX XXXX. They called me today with a loan specialist. This person continued to give me invalid information of my last conversation. They said they were trying to get me to the escalation desk, which nobody has even told me it existed.. They have also moved the transfer date from XX/XX/XXXX to XX/XX/XXXX after the CFPB initiated the complaint. I need help before they transfer their negligence and maybe even fraud for property to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please help assist me, I'm paying on a loan that is not listed correctly on my credit file. I have sent several request and there has been not one response back. 

The account is listed as follows CAPITAL ONE AUTO FIN - XXXX Furnisher : CAPITAL ONE AUTO FINAN The account states " Profit and loss write off '' however I am paying for the car. Please help me get this corrected and or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the owner of XXXX XXXX XXXX, XXXX. We had a file closing and needed to update the payoff prior to closing. We received the payoff XX/XX/XXXX. Then received another payoff XX/XX/XXXX ( it is not unusual for a lender to send updated payoffs without being asked ) XXXX XX/XX/XXXX payoff was altered with the lender name changed from XXXX XXXXXXXX XXXX to Suntrust/Truist and the account number was altered along with one digit in the payoff amount. We closed and the wire was sent to Suntrust/Truist on XX/XX/XXXX at XXXX. 

XX/XX/XXXX the realtor, seller and lender called to say the mortgage was never paid off with XXXX. After further research with our bank, XXXX, we find out that the name on the account was NOT XXXX XXXX XXXX, XXXX at Suntrust/Truist. Suntrust/Truist should have returned the wire since it didn't match what we sent. XX/XX/XXXX XXXX XXXX  requested the wire to be returned as the title of the account and the account number didn't match. To date, I haven't been able to speak with anyone at Suntrust/Truist since I don't have an account with them ( I called their fraud department and they said they won't speak to me since I don't have an account with them ) The amount of loss is {$150000.00} and has been accruing since XX/XX/XXXX when we initiated the wire.

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 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
Gm financial reporting false info on credit reports this has been disputed and changed several times now in the last few years it was just disputed and changed again on XXXX threw XXXX the info they just sent to the cfpb does not match what there reporting to credit bureas ( do not respond with a copy of the contract as a reply to this complaint that has nothing to do with the wrong info being reported by gm financial ) a response would be dates this has been disputed dates it was wrong dates it was updated for being reported wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: LA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Wells Fargo Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global has been contacting me 4-8 times a day for over 2 months. I have made it clear they need to send proof to my address before I agree to speak to them on the phone. 60 % of the calls are from spoofed numbers. 

For instance today they have called me 6 times, yesterday 8 and the day before that 6 times. Calls are coming in 3 minutes after they attempted a previous call and I am getting frequent calls after 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 2021-02-25 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and CMRE Financial. The Account Opened is CMRE Financial Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$110.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Receivables Performance says I owe this debt from XXXX XXXX. This account was opened under Identity theft and fraud to me. They say it is connected to an address I never lived at in XXXX, FL. Date debt collection was opened with XXXX Credit Bureau on XX/XX/2020 for {$1200.00} and is also on XXXX XXXX. I ask for a fraud report packet to be mailed to me in early XXXX XXXXand as of today have not received it. So XXXX said I could go this route.

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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report 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 2021-02-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PR

Complaint narrative:
I have noticed these fraudulent inquiries on my credit report. I have contacted Transunion and they have failed to respond as per the FCRA. Please help me since I am concerned this could hap [ pen again in the future.

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 2021-02-25 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: CA

Complaint narrative:
I found several errors on my credit report. There is a chapterXXXX filing that is not mine, unauthorized inquiries a late payment that is wrong a charge off that is not mine a few accounts that do not belong to me. A letter of explanation is enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian received a copy of a letter from XXXX XXXX  stating the account is in good standing however, it is still being reported ad late and Experian will not update my credit file.

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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
During closing, I notified the mortgage servicer that I felt that the escrow amount was not considered reasonable, as their estimate of taxes did not accurately reflect the tax law in my region/city. They requested a much higher escrow amount. I then attempted to have them review their escrow analysis multiple times, to no avail. 

Now, there has been a large disbursement ( it seems ) from escrow but there has been no notification or no log of such disbursement. When I view how much is in escrow, the amount decreased by $ XXXX with no notification of where my money went. When I log-in to review escrow documents, I see documents associated with Insurance, tax, PMI disbursements, but there is no log of this $ XXXX disbursement. I am not sure how much my escrow actually dropped because there is no backup available to me. I have waited over a week just in case it was a delay on their side, but still nothing. I wouldn't have known this amount was disbursed unless. I was notified that my mortgage servicer was going to transition to another mortgage servicer within the next week and I am extremely worried that I will lose any and all visibility to this $ XXXX escrow disbursement. 

I have now called 5 times over the past 2 months and can get no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Loancare has failed to promptly post my monthly Mortgage payments beginning with theXX/XX/2020 payment of {$2300.00}. 

I have made no fewer than 10 attempts to get this resolved, between XX/XX/XXXX and today, XX/XX/XXXX. 

I have secured evidence from my credit union ( XXXX XXXX XXXX XXXX ) that they ( the credit union ) processed all of my ACH mortgage payments to Loan Care via their bill pay service. 

In addition to an exceptionally frustrating customer service experience of trying to reach someone at Loan Care by phone ( getting to a human via phone requires nearly 10 minutes to navigate their XXXX just to get to the final prompt ), their company continues to place automated calls to my mobile asking that I contact them. 

Loancare is unable to connect the dots to resolve simple issues. 

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 2021-02-25 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: AZ

Complaint narrative:
DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : Transunion, XXXX, and XXXX Dear Transunion, XXXX, and XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on :XX/XX/XXXX Made with : Transunion Made by : Desert Financial Made on : XX/XX/XXXX Made with : 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