vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.

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 2020-01-30 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: MD

Complaint narrative:
*NOTE : Experian did send TWO checks due to the breach of my social security number. XXXX is in process. 

*XX/XX/2019 - CMRR USPS # XXXX - Disputes - Never verified any of my disputes based off of the Experian AND XXXX  breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Experian did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the Experian AND XXXX  breach.  Experian knows they did send two checks to me due to their breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Second attempt to Experian. Did not fix, verify, or answer these inquiries.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX under alleged Home Depot Card : XXXX XXXX XXXX XXXX, closed in XX/XX/2019 after merchandise was paid in full received today their account statement with additional fee charges. Several times I authorized my husband XXXX XXXX to represent me and spoke with Home Financial Services. There has not been any willingness to correct the error since months ago. The finances charges were disputed since day one. But greed has persisted on their part. 
Complaint Number XXXX, filed with consumer.ftc.gov is my complaint and attest all the facts that have transpired. Home Depot Credit Services and Home Depot have alleged that they do not have any connection and that the fees are automatic. So they keep harassing me with account statements after fees where disputed from the day that we received their first statement. 
Due to their attitude my husband account with Home Depot XXXX XXXX XXXX XXXX was also requested to be closed.. Home Depot now have alleged to compliant XXXX that they do not recognize me as a previous customer. Dishonesty is evident and they have tried to hide the evidence But they playing with the accounts numbers to say that they have to respect customer privacy, an spurious defense. 
In XX/XX/XXXX per XXXX request, at XXXX received an e-mail where I personally authorized my husband to represent me. 
Our mail address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX still receiving their mails which they say that do not share with my husband. So again I am authorizing my husband XXXX XXXX ( XXXX ... XXXX ) to receive future financial information and to also indicate what they have already done and haver shared financial information with him orally and in writing. So this is another excuse. 

XXXX XXXX XXXX Signed

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 2020-01-30 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: NY

Complaint narrative:
Information does not belong to me.

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 2020-01-30 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: CA

Complaint narrative:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, on or around XXXX XXXX, a Chase bank teller stole {$200.00} in cash while a customer was making a cash deposit on location. 

This branch is located in XXXX XXXX XXXX, XXXX, NY XXXX. 

The cash deposit was handed to the bank teller with the exact amount and quantity of bill being deposited on the back of the deposit slip. Example : $ XXXX XXXX, $ XXXX The bank teller did not count money in front of the customer and failed to use the money counting machine right next to him. 

Instead, he proceeded to use the money counting machine that was further away from his work area. 

He told the customer that {$200.00} in cash was missing. 

The manager was contacted but he failed to investigate the matter. 

The matter was then escalated to Chase Branch Complaint Escalation Group. 

The XXXX XXXX Police Department was contacted and then the police report was filed on the same day with two police officers on location. 

The Chase Brank Complaint Escalation Group does not provide updates to the case nor do they call back when requested numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Back in XX/XX/2019, I received a collection bill of {$210.00}. It was from a collection agency located in XXXX, Giorgia. According to them, the bill was from XXXX a company for which I am still a client. I contacted them via certified mail in order to confirm and prove that the account was not mine. The tracking number is XXXX ( copy of the letter is attached below ). I waited for them and after the holiday I received noticed that my credit score had come down more than 100 points. I started the dispute process just to find out that the amount was confirmed without giving me any details of the debt. I was successful to dispute the debt with XXXX  and the account/debt was deleted but not with XXXX  and XXXX. Please help me solve this issue that it is affecting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I got a call from XXXX claiming to be an attorney wanting to serve me legal paperwork to collect an 11 year old debt that was charged off. I was asked to call back XXXX and when I did I was told I was being sued for theft regarding a Barclays credit card. I was also told that there would be a lien placed on any property I owned and garnishment of my wages unless this debt was immediately paid. They had my full name and last 4 digits of my social security number.

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 2020-01-30 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:
Information does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
COMPANY CONTINUE TO VIOLATE " FCRA, FCBA AND FDCPA '' REPORTING ID FRAUD ACCOUNT, VIOLATES MEDICAL PRIVACY ACT " HIPAA '', NEVER DONE BUSINESS WITH COMPANY, NOT 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 2020-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: CA

Complaint narrative:
Earn Up is a third-party that collects mortgage payments and forwards them to the lender. The purpose is to make bi-weekly payments so the loan will be paid off earlier. 

Our XXXX payment was sent to XXXX XXXX ; our loan was sold to XXXX XXXX. I contacted Earn Up on XXXX to cancel my account since XXXX has their own bi-weekly option. They advised me that the XXXX payment was sent to XXXX on XX/XX/XXXX. I contacted XXXX  and they stated they had not received the payment. I informed Earn Up and they stated it was too soon to issue a stop payment. I made weekly contact with both institutions. On XX/XX/XXXX, Earn Up advised me they would issue a stop payment and refund the $ 3,000+ to my account. I monitored my checking account for the refund. On XXXX, I contacted EarnUp who stated it was too soon for the refund. I made contact on XXXX, XXXX, and finally on XX/XX/XXXX a rep told me that the check was cashed by XXXX on XXXX. I contacted XXXX  and they stated they had not received any payments on my behalf and would need proof of payment ( transmittal report, copy of canceled check, etc ) before they could initiate any investigation regarding my account. XXXX  was not willing to do any research on the payment without proof. I have requested a copy of the canceled check and an annual statement from Earn Up, multiple times. I was quoted 3-5 days turnaround on the check and statement. It has been over 2 weeks. 

Each time I call the customer service line, they say the same thing, " We've escalated the request and sent it to the back office. '' The phone center is in XXXX. They stated they make contact with XXXX XXXX by email only and no one can speak directly to XXXX XXXX staff. They are unable to tell me exactly the status of my requests, only that the information was sent to XXXX XXXX office. There has been no follow-up from Earn Up, either by phone or email. I have had to make all contact with them. 

I am unable to recover my $ 3,000+ from XXXX  without proof of payment. I want my money back. I want Earn Up to respond to my requests and provide the documents I've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-30 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
a ) On XX/XX/2019 I ordered a XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds this is a huge heavy sewing cabinet double doors shelves drawers,,,, {$190.00} a. Photos of the advertisement printed from the internet readily available to your office b. I also have printed out the purchase document c. Printed out the receipt from seller dated XX/XX/2019 stating that they were processing the order b ) XX/XX/2019 I began calling and sending emails requesting when I could expect delivery of the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds ) again emails can be easily forwarded to you c ) Late XX/XX/2019 I called Chase disputing the charge telling Chase I had not received my shipment and the seller was no longer available to contact again I have the Chase Credit Card billing showing the date the temporary credit was issued d ) XX/XX/XXXX Chase I received a request of information letter why the charge was disputed I filled out the request information documenting the sequence of events stating again I had not received the XXXX XXXX XXXX ( sewing center 6 by 4 weighs approx. 250 pounds a. I called Chase asking for specifics was told to send asap my email and mail which I did that day b. Next day I called Chase to verify they had received the email with the request and documentation attached I was told the hadnt AGAIN A SECOND TIME I sent email request and documents attached e ) XX/XX/2019 Chase again denied the dispute and reversed the temporary credit placing the {$190.00} charge back on my account f ) I went to the nearest local Chase Bank location seeking assistance and was told by the bank office ( I have her business card ) that by Texas State law I would be required to pay because the law states as long as you receive something/anything you pay g ) Some time XX/XX/2019 I received a package from the seller a 3 inch sponge the package was shipper described mobile phone holder 3 1/2 inch sponge maybe weighing 1 oz h ) Subsequent to XX/XX/2019 Chase has turned me into credit bureaus for failure to pay monthly payment, late payments ran up {$600.00} in late fees and interest contacted our relatives seeking access to us i ) ******** As I told Chase last XXXX the seller XXXX is listed on national and international website as a international crook scam after scam after scam ************ j ) I now have close to 100 pages of documents and photos, NOT SURE WHICH IS THE BIGGEST INTERNATIONAL THIEF AND INTERNATIOL CROOK XXXX  OR CHASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: AL

Complaint narrative:
Over the past 5 months I have reached out to Equifax to correct an inaccuracy on my credit report. It shows that I have XXXX late payments with XXXX, I have never been late. On my credit report it shows that my last active and payment date was in XX/XX/2018. This is when I paid the account off and have a XXXX  balance. In XXXX, XXXX, and XXXX it shows late payments which is impossible with the account having a XXXX  balance. I have attached a copy of my report to prove what has just been stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Vengroff Williams, Inc
State: GA

Complaint narrative:
At XXXX XXXX on XX/XX/2020, I received a phone from a XXXX or XXXX from a California number as follows : ( XXXX ) XXXX When I performed a search of who this was that called me I discovered that it was a financial services firm called Vengroff Williams who has offices in XXXX, Fl, XXXX, Ca, XXXX, NY & XXXX, Illinois in which has a very long history of consumer complaints & lawsuits for their debt collection tactics. 

link below : XXXX XXXX XXXX He said he was a lawyer trying to collect a debt from a company I did not recognize right off hand and he finally went into detail saying that it was from XXXX XXXX XXXX XXXX and at that point I knew what company he was speaking of. Beings that I had not been notified in writing that he was a debt collector who took over the debt from XXXX XXXX, I told him I wanted a verification of debt and to send me the information in writing. He asked me if I was an attorney over and over again and I advised him I know my rights and he needed to send me the information via mail. 
After her continued telling me that I didn't know what I was talking about he insinuated that he was going to pull my personal credit while he was on the line with me which would drop my score in turn damaging my credit score. I advised him he had no permission to do so and his tactics were illegal under the Fair Debt Collection Practices Act ( FDCPA ). He again asked me over and over again if I was attorney and said that I had no idea what I was talking about. He then hung up on me after out heated exchange. 

I called him back and asked him why he hung up & he said that he was looking at my credit as we were speaking and said that I had multiple social security numbers ( which is no shape form or fashion true ) & he knew what type of person he was dealing with and then hung up on me again! 

This type of collection tactics is unlawful and pure harassment that I will not tolerate. 
Please assist me in getting this situation resolved & hold this firm accountable for their tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I needed help and asked for a loan modification. I filled out the forms with documentation required and had my signature notarized. It took them over 30 days to respond and all they wanted was information that didn't exist or had been submitted. They will not process the information until the following : Provide K-1s and llc tax forms on companies that don't exist. They want me to give them a certified letter to that effect Want to know if I have a spouse, child support or alimony. These questions were answered in the application I called them well before I missed a payment to start the process which they ignored. Instead, their computer continues to send threats. I had medical bills, last year, major repairs, and paid down the mortgage {$7000.00}. By not working with me and threatening to foreclose is a way to steal a XXXX, elderly 's home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I received notification via credit alerts that my credit was impacted due to a fraudulent account being placed on my credit report by radius global solution. I was never contacted or notified of this account via written correspondence. I requested debt validation and was never alerted or received any updates. This situation is very disheartening and impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Sent a check via bill pay to wakefield to pay off accounts reporting to my credit and specified these accounts to be paid. The agency posted funds to older accounts. Called them to correct this and a month later and 3 calls, still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: KY

Complaint narrative:
I did rent an apartment at XXXX XXXX, but never received any correspondence of outstanding moneys owed. After checking my credit, ProCollections is reporting a collection for {$1200.00}. I disputed this collection account through the bureaus and I send a letter to ProCollections asking for validation of this collection and an itemized list of charges and fees that total {$1200.00}.

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 2020-01-30 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 received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX  XXXX  XXXX {$740.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX  XXXX  XXXX {$300.00}

Company response to consumer: Closed with explanation