vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX LoanCare drafted a letter stating that I must change the account number that I am sending my payment to in order for my account to be properly credited. I did not receive the letter until the end of XXXX and XXXX 's payment went to the old account number. They did not credit the payment and I have called 6 times without getting any resolution. They have never returned any of my phone calls. The customer resolutions department is typically closed during the posted hours. The last response I got after calling customer service is that they never received any proof from me that any payments have been made. The last correspondence they have on record as being sent to me is that I need to send them proof of payments to which they have never received a response. They deny ever sending a letter stating that the payments were being sent to the wrong account number, but said that the note states that I called and told them that my bank was sending the payments to the wrong account number. 

They first stated that missing payment was returned to me because I'd called and asked for it back. They had no documentation to support this and when questioned by Department of Veterans affairs they changed their story.

The next story is that the payments were being sent via regular mail and taking and they had no control over how long it took to get them. When proof was provided that the payments were made electronically.

The third story was the wrong account number. 

On Friday, XX/XX/XXXX, I spoke with Arial in customer service ( she said she was a manager ) and I was told that there is no record of any of that, the only communication they have ever sent me was to provide proof of payments which they never received. 
I called customer solutions on XX/XX/XXXX twice but was unable to connect with anyone, I left messages. I called three times in XXXX and left messages for someone in customer solutions. I did speak with customer service who told me that they would leave a message for someone to call and follow up, and also that the notes did not have dates so they could not tell what the dates were from the other times I tried to contact them or the date of the notes entered. 
In XXXX and XXXX I was calling with a third party verifying the payment information on the loan and they reported the loan as 30 days past due and stated they would be sending the information to the credit bureau XX/XX/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 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2021 approximately XXXX, I went through the CHASE drive through to cash a check, consumer rights were denied by the President and bank manager, XXXX XXXX XXXX because I autographed the check XXXX XXXX, ALL RIGHTS RESERVED. Initially I was given the denial through a teller, then I decided to do into the bank, to gain clarity as to why they were refusing me services. I filmed using my cell phone for my own protection, and document purposes. I finally made it to the window and expressed my concerns and displeasure with the teller from the drive up window, when she told me I have to speak with Mr. XXXX, I explained to Mr. XXXX that he was attempting to clog my equitable rights, and prevent me from engaging in commerce. Mr. XXXX, then at that time slid my driver 's license and check, jumped up from his stool and said that he didn't want to be filmed. Mr. XXXX had several bank cameras in front of him and several behind him, which belong to Chase Bank, therefore I didn't understand. Mr. XXXX then threated me by saying that if I didn't leave, then he would call the police. Knowing the temperature at this time between civilians and police officers, I felt that Mr. XXXX was attempting to use the police officers as an attack dog or weapon against me. Since Mr. XXXX made the threat of calling law enforcement, I called them on myself in order to document the event. When the officers went into the bank, Mr. XXXX expressed that I could come back into the bank to have my check cashed under the conditions that I signed with just my signature, omitting XXXX XXXX ALL RIGHTS RESERVED and no recording. I refused and left the bank with the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that XXXX would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX Experian Credit Reporting summary is open with incorrect balance {$7400.00} under XXXX/XXXX  instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX  ). I have submitted disputes to XXXX Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX  XXXX XXXX & XXXX XXXX  XXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through Experian Credit Agency ( attached XXXX screen shot ). But to much dismay, XXXX/XXXX  continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those XXXX XXXX which reflects I'm in good standing with them, even as reports by XXXX/XXXX  since XX/XX/XXXX ( see attached XX/XX/XXXX Experian Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).

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 2021-08-02 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: I.C. System, Inc.
State: LA

Complaint narrative:
There is a collection account on my XXXX  report that is WRONG! XXXX  and XXXX  both fixed this situation. I did not have a water bill in 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 2021-08-02 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: FL

Complaint narrative:
On XX/XX/2021 I submitted dispute letters via USPS with XXXX, TransUnion and XXXX  to verify collection accounts opened in my name. I have not done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has been more than 30 days and I've yet to receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NC

Complaint narrative:
On my credit report is an account by XXXX XXXX XXXX. I have paid the account and they specifically told me they will remove the account. They sent you a letter demanding that you should remove the account. I am asking why you still have the account listed when it should be removed immediately. The confirmation number XXXX for my payment. The account by XXXX XXXX should be immediately removed from my account.

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 2021-08-02 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: MI

Complaint narrative:
I have made several attempts to contact Equifax regarding my identity theft report and yet they claim to have never received the paperwork. I have sent it in 3 times and this negative information is stopping me employment. Can someone please help me because this is becoming increasingly difficulty to contact them and to take time out of my day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: FL

Complaint narrative:
Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I've tried contacting this company several times over several months. To start, this account was opened without my knowledge and they have no legal documentation proving that I indeed opened or agreed to be a co-applicant on this account. They stated they were not going to help me with reporting it as fraudulent. To keep my credit afloat, I made payments over several months, NONE of which were reflected on my credit report. I called to inquire as to why and, with every phone call, I never get a straight answer. I get transferred at least three times and no one can help me with basic information : what is left to payoff, why the payments that I've sent aren't reflecting correctly on my credit report, and an itemized receipt of all the charges on said card that I NEVER used. Last time I called I spoke to a rude employee who said that the payments aren't showing because they use a " behind the scenes '' method of collecting those payments. And he was insistent that my last payment was in XXXX of 2021 when it was XXXX of 2021. He couldn't find it! I've asked for itemized receipts on several occasions for the account, which they have yet to send despite saying they would, and it's been months. This has been a frustrating and tiring experience, filled with staff who can't help me. I was also told that they sent the account off to creditors one day but they weren't sure who. Then when I called the next day, they said that they kept the account in-house. This has been my experience with this company every single time I contact them. It's confusing!

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 2021-08-02 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I sent a validation of debt letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2021, Freedom Mortgage Corporation was sent by Notary presentment a " FIRST NOTICE FOR AFFIDAVIT OF LOAN DENIAL. '' I invoke my name pro tunc, specified remedy under 15 U.S. Code. -1692. and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX Freedom Mortgage Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition. 

Pursuant to 15 U.S. Code 1635 ( a ), I am invoking my right to rescission as a consumer in a consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-08-02 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: FL

Complaint narrative:
This item is not mine and I am not connected to this account absolutely. Its error in reporting because only one bureau repot this item or I am victim of identity theft which is not also positive. I ask you to remove it because I already submitted the prove.

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 2021-08-02 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: GA

Complaint narrative:
Greetings : I was looking over my TransUnion list of hard inquiries and found a number of errors. I have tried to get assistance over the phone, was told inaccurate/illegal things - and then they had the nerve to try and sell me products and services over the phone!! 

I've never signed ANY agreement or permission to pull my credit report with ANY of these companies!! 
I followed this up with a certified letter, I have enclosed their response : -No validation -No investigation -No detailed reporting of whom with each hard inquiry they reached out to and what was the finding Under both the FCRA and the FDCPA this is blatant illegality!! 

Please enforce the law and demand that they be made compliant!

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a money transfer on XX/XX/2021 through XXXX ( XXXX ) in the amount of {$2000.00}. The transaction went through alright. 
A second transfer of {$2000.00} was made on XX/XX/2021 which also went through alright. 
The third transfer was on XX/XX/2021 also in the amount of {$2000.00}. But this time, transaction was not completed on the side XXXX. Several calls to the merchant didnt show anything positive. 

On XX/XX/2021, I called my bank to request for a chargeback of the amount involved in the incompleted transfer. My bank ( Chase ) refunded the money to me on XX/XX/XXXX and took it back on XX/XX/2021. 
Meanwhile XXXX had sent me an email to cancel the XX/XX/XXXX transaction with no reason. 

The representative of chase rather claimed chargeback on the XX/XX/XXXX transaction rather than XX/XX/XXXX transaction. Which brought a dispute between myself and the merchant. I had to pay the merchant thence because Chase is unable to cancel the chargeback I requested. I paid the merchant with 2 {$1000.00} money order through the mail. 

Now, the debit on my account for XX/XX/XXXX should be refunded to me but Chase suggest the merchant has been paid that amount. The merchant insists they have not been paid. 

Chase has issued records of payment on XX/XX/XXXX but the merchant still argues no monies received. I dont know where to claim my {$2000.00} refund. 
Now Chase tells me the issue could be resolved outside Chase and I dont know where. 

Either the merchant ( XXXX ) has received the money and declines or Chase holds the money.

Company response to consumer: Closed with explanation