vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 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: IL

Complaint narrative:
I have sent certified letters to XXXX  with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper  identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL 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 2019-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have sent certified letters to XXXX  with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Overview. 

Back in XX/XX/2019, we fell behind on the mortgage payments with Chase ( 3 month ). 

I used Chase ( forbearance program ) and Veteran Service to stop the sale.

The Veteran paid 2 months and We used partial payments to try to get the mortgage current. 

Current situation Chase claims we are in default again for 2 payments ( XXXX and XXXX ). 

We spoke to Chase about this issue, Dual Problem ... .. the form for the forbearance program was not received by the required date. It was mailed rather faxed. 
SO ... ... ... ... .. according to chase, they need a partial payment to release the fund they misapplied to escrow from XXXX to XXXX. Meaning the XXXX payment would be made, but XXXX would still be due ( roughly {$3000.00} TOTAL ). 

We have made full payments, plus partials from XXXX to now. Chase only credited them twice a month or when the escrow second amount equaled the second full payment. 

Essentially, we are back in the same situation that occurred in XXXX, Meaning from Chase 's perspective ... ... ... ... ... ... .Re apply for forbearance or pay double payments this month ( i.e. XXXX now ). Third option Chase offered involved using unapplied funds in escrow in conjunction with our funds to first bring it current. ( pay XXXX XXXX Then due the partial payment to pay for XXXX. This leads back to the same situation that we have already experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
On the evening of XX/XX/XXXX, i received a letter that was not certified by my employer payroll department that i had a notice of wage garnishment from MacDowell & Associates, Ltd on behalf of XXXX XXXX XXXX XXXX. I did a voluntary repossesion in XX/XX/XXXX, the car in question was never reported on my credit report. Per speaking to a rep from XXXX XXXX XXXX, by the name of XXXX, ext. XXXX there will correspondence from his company that were sent to me stating this car was never on my credit report on multiple different occasions, and they were going to " make the necessary corrections due to the error they caused ''. The vehicle in question was charged off on my account for $ XXXX, MacDowell & Associates claim that they are garnishing my check for {$12000.00} which is by far not the same amount. MacDowell & Associates then claimed i was served a court notice in XX/XX/XXXX, which was false. There is no file of service listed for the case number that is assigned to this. In XXXX of XXXX, nobody including myself was at this residence or in the state at this time. The process server who attempted to serve me, claimed a person who was at my residence did not provide their information to them and was " penalized for perjury '', and may i add the person they described they supposedly " served '' this notice to would have been an officer of law which would have then made him question this person further if that was the case. Per my then conversation that i had with a Mr. XXXX who is a representative of MacDowell & Associates rudely told me that the person who attempted to serve was going to get paid regardless if i was served or not which is not the correct process in the state that i reside in ( California ). As i then continued to try and stop this attempt to garnish my paycheck, per MacDowell & Associates i had to overnight a down payment of {$500.00} via XXXX XXXX, which would then start my monthly payment of {$150.00}. But there is a possibility the garnishment would have not stopped, but i need to hurry up and get the payment in because the person who is handling this " case '' Mr. XXXX would be out of town for a week and there would be nobody there to handle this situation in a timely manner. I also explained to Mr. XXXX my current situation of being a XXXX  XXXX  full time in school, and that i was an on call employee with my employer. He still felt that was not enough information to rectify the issue at hand. I provided an itemization list of my bills and copies of my pay stubs that also showed that my income was not stable, and according to XXXX, that was not enough for him to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XX/XX/2018 I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed 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 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have a variable rate loan that resets monthly on the XXXX. a couple months ago i noticed that the payment went up and started looking harder at is because several things happened that month where the payment should have been reduced : 1. the fed cut rates 25bps and libor reduced accorting ; 2. the day count was lower and 3, it should have been calculated off a lower principal balance since i'm current and the loan is amortizing. so when i questioned they said it was a " timing difference '' and the extra amount goes to principal ... i have been asking for proof of the calculation but they will not provide. they only provide my payment history. i want to make sure they are applying the excess interest to the principal ... .it doesnt appear they are doing so and i have no transparency into how excess is applied. i asked for the calculations, - what should have been the interest and principal amount, and what actually got applied ... thus showing the difference. they claim they can not provide me that information. i believe they are just pocketing the difference rather than actually applying it to principal. they sent a table but i believe it to be incorrect as they never recalculate the starting balance to reflect the excess payment so i'm always paying extra interest on the higher starting balance. it should be easy for them to pull those historical numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMC Auto after the catastrophic event of Harvey, we called to notify Chase that our car had flooded. 

We then immediately contacted the car insurance company. After we called them it took so much time because so many XXXX  residents were impacted. I called Chase to notify them we would need to reconcile the status of the car and they extended the payment out 30 days. 

They then received both payment from the insurance company and gap insurance. They marked our payment 30 days late after they agreed to a extension due to the nature of the flood and then they charged off the deductible, and it is reporting on our credit report. I have called chase on over 7 occasions I have notified the credit bureau and still nothing has been done. This issue is causing us thousands of dollars in interest rate fees due the negative impact on our credit report. I would like to report Chase abuse ( customer abuse ) and the impact it had on our financial well being. I have had years no decades of excellent credit reporting and this is the only blemish on my credit report. 

In addition, I submitted a letter to the CEO of chase as I have been a customer of the bank for 50 years. I would like for them to remove this blemish from my account and correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2019 I placed a stop payment for check # XXXX with Chase Bank. I was charged {$25.00} for the stop payment fee. I received a letter from Chase stating my stop payment request for Check # XXXX was issued and granted. The stop payment request was good one year from the date requested. On XX/XX/2019 Chase paid the check # XXXX. I called Chase Bank on XX/XX/2019 at XXXX XXXX  pacific standard time. I spoke to a Rep and Supervisor. Neither is taking responsibility for the error on Chase part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I used a referral link to sign up for a Chase Freedom credit card and I got approved. The referrer gets {$100.00} bonus and the referee gets {$150.00} bonus if spending {$500.00} within the first 3 months. The referrer confirmed receiving the {$100.00} ( XXXX points ). I spent {$500.00} within the first 3 months which can be confirmed with statements, but the {$150.00} ( XXXX points ) was not given on my account. I called on XX/XX/XXXX, Chase account supervisor in XXXX, MO call center stated they no longer have record of the promotion that I used to sign up. This is unacceptable for a bank to not have this type of record that is less than 1 year and 8 months old. I have a screenshot and link that I used confirm the {$150.00} bonus, if spending {$500.00} within the first 3 months. Chase denied my earned {$150.00} bonus and could be depriving other customers of their earned bonuses too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: NY

Complaint narrative:
EXPERIAN IS TREATING ME FOE THE FIRST TIME HORRIBLE IM A IDENTITY THEFT VICTIM THEY HAVE MY POLICE REPORT ON MY FILE AND EXTENDED FRAUD ALERT ON MY FILE AND NOE THEY BLOCKED A FRAUDELENT ACCOUNT FROM APPEARING ON MY REPORT AND ITS BACK I CALLED THEM THEY REFUSE TO HELP ME AND TELL ME TO CONTACT THE COMPANY WHICH I DID BUT THEY REFUSE TO HELP ME RECOVER THEY HAVE REINSERTED AN ACCOUNT FROM 2015 WHICH I DID NOT APPLY FOR THEY TELL ME TO DEAL WITH EXPERIAN AND THEIR IS NOTHING I CAN DO THIS IS RIDICULOUS I FEEL DISCRIMINATED AGAINST BY EXPERIAN

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 2019-11-20 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: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
My debit card was stolen and used for the amount of XXXX and some change. When i realized that there was a charge i didnt make i went to the place of the charge and asked the manager if there was a debit card left there. He said someone did leave a card and showed me the card which was mine. So i took the card with me. i waited for the charges to post, because navy federal said i couldnt file a fraud complaint until they posted. The charges didnt post for about a week. Once they posted i filed the complaint. After i filed the complaint the bank credited my account for the amount that was unauthorized. Navy federal said that they deactivated my card on the XXXX of XXXX but i used that card to see if it was actually deactivated but it wasnt. So i used that card until i was able to get a replacement card on the XXXX of XXXX. I filed another complaint message to them about the charges because they said that since i used my card after the credit was issued that they would take that money back from me. They reviewed my claim and still insisted that there was no fraud. They took the money back on XX/XX/XXXX. I called to speak with the fraud department and talked to a woman that said there was no way for me to dipute their findings and it was permanent. I talked to a superviser and she said the same thing and said i should have claimed the fraud sooner and had my card shut off. I had gotten a message from them saying that it was and being me i tried the card to be sure it was. It wasnt shut off and i decided to use that card anyways because i cant just got get a new card in XXXX XXXX in the XXXX while im at work and the bank is closed by the time i get out. So i had to wait 2 days before i could get the replacement card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: TX

Complaint narrative:
We are the victim of identity theft, on XX/XX/2019 opened a claim for unauthorized transactions posted to our checking a/c. XX/XX/2019 Bank of America has issued partial credit ( ACH transactions ), acknowledged the fraud, but holding us responsible for some activity ( XXXX and Billpay transactions ), and requesting information from me that is impossible for us to provide. We have co-operated to the best of our ability, and they have not been reasonable in the requested for cell phone text message records from the wireless provider and a written statement from the wireless provider letter head confirming that the phone number that is on the account never received a text from XXXX on those dates of unauthorized transactions then they reconsider to reopen the claim. We reached to wireless provider to get history of text messages to the second phone number on a/c but they denied to provide information as text message are legal matter, we need to get a court subpoena and my attorney have to reach wireless company legal department requesting for the details. We do not have an attorney yet. 
Below are the XXXX and Billpayment which we are not authorized from our account : XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX XXXX {$300.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf XXXX XXXX ; XXXX   XXXX XXXX XXXX - {$1000.00} Billpay transactions XX/XX/19 BANK OF   AMERICA CREDIT CARD Bill Payment - {$400.00} XX/XX/19 Bank of America   Credit Card Bill Payment - {$380.00} XX/XX/19 XXXX XXXX Bill Payment - {$900.00} We also tried to contact XXXX  XXXX  XXXX XXXX  to find out about these XXXX transactions, they are not responding. We opened a claim with XXXX  team for FRAUD INVESTIGATION and, RESOLUTION SERVICES  on our identity theft.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
Debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday XX/XX/XXXX my bank account was overdrawn of $ XXXX from XXXX and XXXX. XXXX charge is {$100.00} and XXXX {$86.00}. However, I did not authorize the XXXX charge. I deposited {$100.00} in my account which brings it down to - {$86.00}. I called Chase to dispute the charge ; a Chase Rep from the claims department told me the money is credited back and everything is fine. The next day on XX/XX/XXXX, I notice my account is still - {$86.00}, so I called Chase to inquire about the claim I did and the Chase Rep stated the system is down, there's nothing they can do about it, have a great day. I called the next day XX/XX/XXXX, a Chase Rep stated XXXX is still pending and how it has to be posted in order for me to get credited back. The overdraft fees will all be reversed once also after XXXX is posted. XX/XX/XXXX, I was charged three overdraft fees of {$34.00} and XXXX was posted to my account. I was credited the money but only one overdraft fee was reversed. The Chase Rep lied and did nothing to resolve this.

Company response to consumer: Closed with monetary relief