vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my accounts closed by chase and they are holding all my funds and want release them to me its been almost two months and every time I try and talk to someone about the phone automatically disconnects I need my money returned to me and the bank is refusing to send my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AR

Complaint narrative:
I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy XXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.

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 2021-05-11 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: Avantus, LLC
State: CT

Complaint narrative:
I have filed a dispute in regard 's to incorrect information on my XXXX  and XXXX  consumer credit reports. It has been well over 30 days and I have not received any investigation results. The dispute was filed on XX/XX/2021 with both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I sent National Credit Audit a letter demanding that they validate an account that they are reporting to my credit. The letter they sent me fell very short of the documentation required by law, and what I am entitled to as a consumer. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have contacted Aldous and Associates due to a health club membership. I attempted to dispute the debt because the amounts stated that were owed appeared incorrect. I requested documentation of the account to show when account became delinquent along with an exact amount owed. This has not been provided. I have called several times and wrote letters, they are not responding to calls or letters and still are reporting. Aldous did send a letter on XX/XX/XXXX with page 1 of a 2 page document. I requested the entire document, to which the request was ignored and demand for payment has been made. I called XXXX XXXX at Aldous and I requested to speak with a manager regarding this account. On XX/XX/XXXX at XXXX I was placed on hold for over 24 minutes, at which time she hung up. The second time I called on XX/XX/XXXX at XXXX, I received XXXX XXXX who indicated that a supervisor will call me back with updates on the account. As of yet, I have not gotten a response. I have been a victim of identity theft and am unaware if this account has also been compromised, as there seems to be no trace of whats owed. 
There appears to be no transparency in charges on the account. I have no idea what date the account became delinquent. I have requested records from XXXX XXXX XXXX and XXXX XXXX who sold the debt to Aldous, and they also have no record of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: AR

Complaint narrative:
I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: MD

Complaint narrative:
After selling a product on XXXX  and using XXXX as a payment form, the buyer of the product stated false claims and after 2 months of use wanted his money back resulting in a negative balance for {$670.00} plis {$15.00} Processing fee on my XXXX account. 

I offered resolution as to a partial refund to the buyer and got no reply. Right now the buyer STILL has my product and never returned it for a refund and I am out {$680.00}. 

Meanwhile as I am striving to build me credit I did get a letter from a credit bureau claiming this money which I DO NOT OWE. 

I have attached the list of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I noticed my account was pending for a transaction in the amount of {$2500.00}. That same day i called Bank of America to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. 

I went back to Bank of America to appeal the claim. But that appeal was also denied within 3 days.

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 2021-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Vehicle Lease from Hyundai Motor Finance ended ( with XXXX payment balance ) in XX/XX/XXXX. 
In XX/XX/XXXX, letter received from collection agency seeking to collect {$480.00} on behalf of Hyundai Motor Finance. 
In conversation with HMF Recovery Dept, I was informed debt is for XX/XX/XXXX Property Tax. I requested copy of Tax Bill, mentioning that vehicle was no longer in my possession at that date. I never received the Tax Bill. 
Following next conversation with Recovery Dept, I was told bill was actually for XX/XX/XXXX, I requested and received copy of the Tax bill and complete schedule of payments on the lease account. 
1. The Tax bill shows the amount of {$270.00} billed XX/XX/XXXX by local tax authority. 
2. The schedule of payments shows that : a. I was billed for, and paid, {$190.00} for property Tax in XX/XX/XXXX ( month following local tax authority bill ). 
b. The amount of {$480.00} is actually the amount of the monthly lease payments. 
c. All payments were made, as billed, with no balance remaining. 
HMF Recovery Dept have refused to acknowledge that there may be an issue with this bill, they have refused to escalate and have it checked.

This bill has also been reported on my credit by HMF, even though I have never been notified of it over the past year and a half.

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 2021-05-11 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: AR

Complaint narrative:
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.

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 2021-05-11 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: AR

Complaint narrative:
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ) you are in violation of 15 U.S.C. 1692g ( b ). Per the collection agencies response, that stated that they served me is false. I was never served. My request to them is to show proof of who they in fact served. I didn't receive notice of this said judgment until my employer notified of me of garnishments that was already in motion.

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 2021-05-11 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: CA

Complaint narrative:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXX DPT EDXXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : 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 2021-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXXXXXX DPT ED/XXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted the agency to try and resolve the matter. They offered a settlement in which I accepted and paid the same day. My direct question to XXXX XXXX was does this include all debts me and my husband has with your company. His reply was yes and that all accounts would be removed from my credit report. Had the manager send a later that only listed my husbands name but the made it clear that this covered all the accounts we had with their company. Now, 20 days later finding out that two accounts were excluded, and they claim I still owe. My issue with this matter is I called them to resolve this matter and made it clear that I wanted all accounts removed from my credit report. This was very deceptive now they want to be condescending and rude. I then spoke with a supervisor who was extremely rude, and she explained that the bill is for my son. XXXX XXXX was her name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 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: NJ

Complaint narrative:
I submitted Disputes to Experian on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. Experian said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how Experian can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So Experian couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX  and the debt was removed from my report. I have not been able to see my report from XXXX  as of yet .I request a hard copy of my report from XXXX  XX/XX/2020 and never received it. I am current trying to contact XXXX  customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from 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 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have review a current copy of my credit report and show an alleged debt which to whom I do not know. I attempt to send letter for verficiation and I have not received any such return reply. I also sent to credit bureau with no update to dispute. 

PORTFOLIO account XXXX Please delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: I.C. System, Inc.
State: AR

Complaint narrative:
This company said that they sent their response directly to me and provided a copy to the CFPB, this is false. I have not received anything from them or the CFPB. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA and need this account deleted.

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 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
These were XXXX records that both collection agencies failed to validate and didnt honor the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX H & R Accounts, XXXX XXXX XXXX, XXXX, IL, XXXX 1 mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a letter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. I verified mailed letter was sent to H & R Accounts and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX. 

I do have the receipts to confirm that the letters were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: TN

Complaint narrative:
Issue : Property taxes not paid from Escrow account for 2020 and now I'm having to pay out of pocket with interest and payment processing fees.

Tax & Insurance were to be escrowed and paid by Mortgage Servicer per the signed contract and Final Closing Disclosure signed by borrower. Lender and Title company were notified XX/XX/2020 by borrower of errors after closing when Title company did not pay correct cash due to borrower per Final CD. Title company advised borrower that an amended closing disclosure was generated the morning of closing and should have been provided to borrower at that time. However, borrower was not provided an amended closing disclosure on day of closing or ever signed agreeing the amendment. Lender advised Title company this amended closing disclosure was not valid and the original closing disclosure signed and provided by borrower were to be the terms of the loan. I was advised by Lender that Title company errored and Title company disbursed difference in owed amount after Lender told them they could not amend the mortgage documents from what was signed at closing in accordance to signed Final CD.

Additionally, borrower believes mortgage was created & sold with the details listed in the invalid amended closing disclosure as the Servicer of the loan confirmed to borrower that they were instructed not to make tax payment per the Initial Escrow Closing Disclosure. However, the signed and agreed Escrow Closing Disclosure shows that taxes were to be escrowed and paid by servicer while the amended invalid Closing Disclosure the Title company sent borrower did not show the loan as being escrowed and believed to be the source of this newly discovered error. Furthermore, borrower is concerned mortgage was generated with invalid amended terms as Title company requested borrower sign QuitClaim Deed after closing in apparent attempt to correct the mistakes made in names. 

Lender- Fairway Independent Mortgage Corporation DBA XXXX ( XXXX XXXX XXXX Ct XXXX XXXX TX XXXX ) Title- XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ) Initial Loan Servicer when taxes were due from escrow- XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been trying to submit the dispute attached since XX/XX/2021 but for some reason I cant upload the dispute on TransUnion website.

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