vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I have tried to place a security freeze with Sage Stream. I was unaware that this entity, has and shares information about me with other entities. I reached out to this company to no avail. I've submitted the documents on their site requested to implement the security freeze, on top of calling numerous times during their scheduled business hours without any success of reaching them. They're recording states they'll contact you back within 24 hours and that hasn't happened either. This company I feel is a fraudulent company, has access to my personal information/ identity without my consent or prior knowledge and I don't give them permission to share any information they have of mines against my wishes. Furthermore the information I believe they have is not accurate. This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2020 Federal Trade Commission Consumer Financial Protection Bureau re : CHASE MORTGAGE - PROOF of CHEATING Dear Sir/Madam ; Shown below are three of my mortgages with Chase Mortgage, printed out on XX/XX/2020. 

In each case, you can see how Chase Mortgage is cheating its customers. I had called and spoken to a Chase Representative ( see details below ) about all extra payments going towards my principal and NOT being credited to future payments or escrow. The Chase Representative said he made some change in the system for each of these mortgage loans and assured me it would NOT happen again. This was in XXXX, however the very next month you can see Chase Mortgage incorrectly applied the extra payments and is waiting for me to find it and inform them that it is wrong, rather than doing it right the first time. 

Chase Mortgage has a pattern of cheating its customers and I ask they be audited to identify these issues and make them stop these corrupt practices. In addition to this most recent incident, I have a HELOC account with them also, and there too they have misled me in conversations and added all sorts of fees to my account. I have stopped payments on this HELOC account starting this month and am holding it in another account. I need help in dealing with Chase Mortgage, as they dont seem to want to resolve this honestly and accept fault for their mistakes or dishonesty. 

I can prove this behavior of cheating customers and would like some sort of an audit done with their mortgage division to identify the depth and breath of this cheating. My contact information is below, I look forward to hearing from you. 
Sincerely, XXXX cc : Mr. XXXX XXXX, Co-President and Chief Operating Officer, JPMorgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TMX Finance LLC
State: GA

Complaint narrative:
TitleMax 's AutoCash has not release lien, when I contact TitleMax they send me to AutoCash division and the person does not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit 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 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO MACYS IN REGARDS TO THE FRAUDULENT ACCOUNT THAT WAS OPENED AND MAINTAINED WITHOUT MY KNOWLEDGE. I DID NOT AUTHORIZE FOR THE CARD TO BE OPENED OR AUTHORIZE ANY OF THE CHARGES.I KEEP SENDING THEM EVERYTHING THEY ARE ASKING FOR BUT STILL ITS NOT ENOUGH. SEEMS LIKE SOMEONE SITTING AT THEIR OFFICE IS JUST DISCRIMINATING AGAINST A WOMAN. I AM NOT SURE WHAT ELSE I CAN SEND THEM IF THE POLICE REPORT, NOTARIZED IDENTITY THEFT REPORT, MAYBE NEXT THEY WILL REQUEST A BLOOD TYPE AND STILL WIL NOT BE SUFFICIENT FOR THEM TO REMOVE THE THIS FRAUDULENT ACCOUNT FROM MY CREDIT 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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : 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 non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cheadle Law Firm
State: FL

Complaint narrative:
My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
During the months of XXXX through XXXX, this debt collection was seized and removed from my credit account due to being fulfilled with the company. An ex-spouse had stolen the property, I reported an incident and spoke with the company, then the debt got removed. 

Unfortunately, they re-aged the debt and added it onto my credit account, AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as  resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received two targeted promotion emails from Citibank regarding their " Cash Back Booster and Additional Cash Bonus '' offer. This offer required opening a new consumer checking account and depositing a minimum of {$15000.00}. After maintaining a {$15000.00} minimum balance for 60 consecutive days, the offer specifies that a {$400.00} cash bonus would be deposited within 90 consecutive days since the requirements have been met. 

I have met the requirements on XX/XX/XXXX and I have not received the {$400.00} bonus as of XX/XX/XXXX. I called Citibank and they said that there is no promotion enrollment attached to my account. I still have an email confirming my enrollment in the offer.

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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had to file a Bankruptcy on my home. My deceased mother fell behind on the property taxes and the only alternative I had was to sell the home. Whatever was owed at the time of the closing was paid out. 

I am in the process of buying a home and would like this to be removed if possible. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: WA

Complaint narrative:
I am writing to report a violation under the FCRA. Experian is reporting an unverifiable item. I am demanding this item to be removed from my credit report. 

If Experian fails to remove this item from my credit report, I will not hesitate on filing suit. I am giving XXXX  the chance to solve this through the CFPB portal. 

I am aware that reporting an unverifiable item violates the Free Credit Reporting Act and that it can be taken to court. I give Experian 30 days to remove the item and send me a deletion letter for my records. 

Below is the unverifiable item contained on my report : 1 ) Reference Number XXXX, Date Filed XX/XX/2019, status Discharged CH-XXXX. 

Thanks to whomever reads my complaint. 

See documents 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 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-31 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: CA

Complaint narrative:
All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

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 2020-01-31 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/19 i became aware that a loan was open at Ally Financial bank. I called Ally Bank to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.

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 2020-01-31 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: CA

Complaint narrative:
On XX/XX/19 i became aware that a loan was open at XXXX XXXX XXXX. I called XXXX XXXX  to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
This is about discrimination and violations of Federal Laws and also California and Nevada laws. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators. 

Apparently this is how this out of State legal firm uses its tactics to terrorize innocent minorities and long suffering protected members including the aged, undocumented immigrants, LGBTQ and persons of color! Help! 

These people have been subjecting us to terrorism for a long time now. They were explicitly told to never call again as there has been death in the family, a XXXX and XXXX victims. But no, they continue to call over and over and over and over again. We have the proof. The calls usually last less than a minute each call, but its so many harassments each day! Both in English and in XXXX. 

We think its Political hatred! We have been seriously damaged by them and are living in fear because of them. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, XXXX XXXX, I received a call from +1 ( XXXX ) XXXX. The person on the phone introduced herself as a debt collection agency ( Credit Management or similar ) and asked me to verify the number of my street address. She told me they are calling to collect {$23.00} I owed to XXXX. She confirmed it was for me personally, not for dependents, but could not confirm what the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( " How are you going to pay this today? " ). I told her I rarely use XXXX for anything and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to understand more about this claim. She asked me when will I contact XXXX, how her company can contact me to collect my debt, and will I call them back to make a payment. I asked that they only contact me by mail and informed her that I will not make a payment to debt collector unless I initiated the call. 

After the call, I reached out to XXXX Customer Service at XXXX. The representative forwarded my call to their Billing Department. I provided my personal info to Billing and the person confirmed I am not in their system and that I don't appear to own anything to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Every day at roughly XXXX I'm called from Portfolio Recovery and every day I tell the callers to take my number off their list and any type of correspondence or solicitation needs to be done with their client and to stop calling my phone. 

I've called and asked for mgmt to take this phone number of their list and they still continue to call since XX/XX/2020 they have called 20 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 at approximately XXXX PST In an attempt to gather more information about a debt being reported on my credit report through XXXX  I contacted CCS Collection at their Call Center number XXXX, I spoke with representative XXXX XXXX, who informed me of an alleged third party debt from a company named XXXX XXXX. 

I instructed the representative, Ms. XXXX, that I do not have any open or outstanding debt with the said company nor do I have any relationship past, or present with XXXX XXXX. I further requested validation of the said debt. She gave me a file # XXXX. 

I informed her the information she has does not belong to me, and I have never lived at the address in question, and I wanted it deleted immediately. This erroneous reporting is having a negative impact on my character and financial position. She refused to validate the debt any further and told me they will continue to attempt to collect and report. 

I asked to speak with a supervisor and was transferred to Senior Supervisor XXXX XXXX. I requested a mailing address for CCS, as it wasn't listed on my credit report. She informed me that there is NO Social Security Number attached to the file and they only had my name and birthdate. However, the address and other information did not match my information. She instructed me to file and ID Theft, and complete a police report. I told her that if the information she has isn't me and you aren't able to match my information, I wasn't going to file any ID Theft for erroneous information that can not be validated. 

They refuse to offer any other help and told me they will continue collection efforts. Please help me clear this erroneous information and further cease all collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation