vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The following account is reporting INACCURATELY. 

XXXX XXXXXXXX XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: FL

Complaint narrative:
My complaint is in regards to equifax and their inability to resolve my complaints about this account listed on my credit report as acctXXXX. My original complaint dates back to XXXX I request in validation of this account from all three bureaus. XXXX  along with XXXX  deleted this account upon completing their investigation ( proof is attached that reflects deletions ) but equifax hasnt removed the account they verified it as accurate. I was under the impression each agency reports the same information with accuracy. This is a violation to my consumer rights to neglect performing a thoro investigation. Certified mail is very expensive and covid has caused me hardships to the point I could barely afford it please remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: GA

Complaint narrative:
EQUIFAX REMOVED A FRAUDULENT ACCOUNT I DISPUTED OFF MY CREDIT REPORT AND THEN THEY PLACED IT BACK ON MY CREDIT REPORT A MONTH AFTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
ISSUE : Closing on refinance with rental property prior to increase in fees to homeowners by XXXX XXXX and XXXX XXXX in XX/XX/XXXX. 

Explanation : My name is XXXX XXXX and on XX/XX/XXXX ( over 10 weeks ago ) I applied with AmeriSave to refinance my rental property located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX in XXXX XXXX. My property is a condominium. My credit score is over 750, my debt to income ratio is great/not a problem, and I have turned over/uploaded all requested documents to Amerisavie without any delay. Despite this, AmeriSave has been misleading me and intentionally dragging-out my closing so that I will be charged or assessed more fees to refinance due to the pending increase of fees that will occur in XX/XX/XXXX by XXXX XXXX and XXXX XXXX. Amerisave loan officer ( XXXX XXXX XXXX and his XXXX XXXX XXXX ) ) alleged supervisor ( XXXX XXXX XXXX have stopped communicating with me regarding my refinance. I sent them an email on XX/XX/XXXX asking about the status of my loan and received no response to date ( XX/XX/XXXX ) from the loan officer or his supervisor. This company also lied to me and said they would lock my interest rate and never did. I checked my portal with amerisave on XX/XX/XXXX at XXXX today and still no update, no closing date, nothing. It just sates there is nothing more I need to do in order to move my loan forward. Amerisave also had me change my mortgagee with my insurance to Amerisave on XX/XX/XXXX and still never closed on my loan. This is outrageous and Amerisave 's behavior has been unprofessional and misleading and that is me being generous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Saturday, XX/XX/XXXX, I deposited a check into my checking account at Chase Bank. As I put the check into the ATM, it said there would be a possible hold on these funds until XX/XX/XXXX, so I attempted to cancel the transaction. The ATM did not allow for a cancellation, basically giving no option but to wait on Chase. 

On Monday, XX/XX/XXXX I called the bank and explained the situation, letting them know that I need this money badly as I have no received any pay for nearly 7 months due to the pandemic. I am a college student, so I never received unemployment and the landscaping company I worked for laid me off. The bank said that the check would process no later than Monday, XX/XX/XXXX at XXXX. 

On Tuesday, still no funds, so I gave it a day before I called back. Wednesday, XXXX XXXX, I call the bank and get hung up on twice after waiting for 30+ minutes on each call, both before I could even say a word. Their agents service dropped on the third call, but on the 4th call ( 2+ hours later ) I get in contact with someone who tells me they can not release the funds. I asked them why the funds cant be released and they didnt give an answer but rushed me off the phone. This morning, XX/XX/XXXX, I called again and the customer service representative said that the funds could not be released because the federal reserve was not giving clearance to process these funds. I then called the federal reserve, who I explained the situation to and they referred me to this site to file a complaint. It has been a week now and I still have not received my money, while Chase is giving me the run around and providing false answers. No one protects the little guys - corporate continuously gets away with treating their customers like garbage and its business as usual. I am demanding action to be taken to resolve this issue so I can forever end my relations with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I received several alerts on XX/XX/2020 about a new collection account being added to my credit reports from MRS Associates for a XXXX  account. I am not familiar with this debt and never received any letters in the mail in regards to this debt. It is my understanding that I should have received a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor. I did not receive any such letters. 

I called MRS Associates on XX/XX/2020 and spoke to XXXX. I expressed my concern with the fact that my rights had been violated due to them not providing a notice of debt or right to dispute letter in regards to this account. XXXX said they tried contacting me and had sent an email. I triple checked my emails on XX/XX/2020 and XX/XX/2020 and had no such emails. I asked if after sending those emails, they had mailed a letter to the address on file within 5 days of that communication with the notice of debt and right to dispute as they are mandated by FDCPA. XXXX advised that they did not have to physically mail a letter. I asked XXXX if the alleged email she is saying they sent contained a notice of the debt including the amount of the debt, name of the original creditor, notice of my right to dispute within 30 days and name and information of the original creditor if different from current creditor and she stated she was not sure but said it " should have '' included the information. 

I proceeded to inform XXXX that they had violated my rights in not sending the notice of debt and right to dispute and they needed to remove the collection from my credit report, send me the appropriate notices and allow me my right to request full validation. XXXX said she was not a lawyer and did not need to know the laws and that they would not be removing this from my credit reports. I asked that she remove me from emails or any other communication other than US Postal mail and she said they could contact me in any way they saw fit. I asked XXXX to send a record of all former communication and she said they could sent it but I would still receive correspondences by email only even though I specifically requested to only be contacted my US postal mail. This company has failed to follow initial steps required to place a collection on a consumer 's credit report and have violated my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

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 2020-11-06 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: Plastiq Inc.
State: PA

Complaint narrative:
Hello. This is a follow-up case to a previous CFPB investigation ( case ID XXXX ). Merchant PLASTIQ concluded the previous investigation and agreed to issue me a refund for a failed delivered cheque, whose payment ID was XXXX. In the resolution, Merchant PLASTIQ provided a credit slip but after a prolonged waiting, I have yet to see the refund showing up on my credit card. I contacted my credit card company XXXX, and they claimed they had *NOT* seen any refund in the amount of {$1200.00} incoming to their Visa network, from PLASTIQ. Therefore, I'm raising a follow-up case to investigate the refund process, and if the funds had been sent down to XXXX ( i.e. refunding a charge on my credit card ). I am including the statement copy of XXXX, up to today, for reference. If a credit card refund is not feasible, please mail a check payable to the cardholder, XXXX XXXX, to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, PA XXXX. Alternatively, please direct deposit the refund to my checking account with routing ID XXXX and account number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I had attempted to order a product from XXXX, I had inadvertenly used my debit card when I intended to use other loan product. I called XXXX 4 times the day the error occurred. I was assured 4 times that my order had been cancelled. A hold had been placed on my account for around XXXX I contacted First Horizon bank that day to report the issue and to open a fraud claim. I was told I needed to wait for it to hard charge to my account. On XX/XX/XXXX, the charge hard posted, I contacted the fraud department and started the process. I was told I would get my funds back within 5-10 days. I received 2 products from the company. After numerous issues filled through the XXXX  I received a return label for the product and sent it back XX/XX/20. I contacted First Horizon bank this morning to give them an update and to see where my report stood. They had closed out my case as I still had the product. I was unable to return until I received the label. They re-opened my case XX/XX/20 but stated I would not get my funds provisionally. I would get the funds back once they received the charge back from Visa. I believe this is a violation of Regulation E. My understanding is that they must provide provisional credit within 10 days and then they may pull the funds back if my claim gets denied, or recoup their funds when the merchants charge back is received. I have been without access to my funds due to the debit card hold and the hard charge since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to XXXX. XXXX XXXX. It is now XX/XX/2020 and I have not received a response of any kind from XXXX. XX/XX/XXXX in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with Experian XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that XXXX. XX/XX/XXXX has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to XXXX XXXX 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from XXXX XXXX attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against Experian for not properly investigating and deleting this and against XXXX. XX/XX/XXXX for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that XXXX. XXXX is fraudulent and Experian as well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.

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 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone stole my personal information and create account in my name. In this moment i wold like to ask you to investigate and remove as soon as possible. Thank you so much for attending my requests.

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 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My account balance is totally wrong, and I do not owe these fees. I tried to automatically enroll for payments, and it is not working. The recurrently monthly payment enrollment on XX/XX/XXXX was canceled, it was shown as submitted, and then it was canceled. I also issued 1 payment on XX/XX/XXXX and it was automatically canceled by your system, then I issued the 2nd payment 7 minutes later when I saw that the payment was canceled, the 2nd payment was shown as status 'Canceled '' again and then I issued the 3rd payment when the system showed canceled. This payment was issued and shows status " submitted '' on XX/XX/2020. It has been 4 months since I have been calling and spending hours with customer services from TD XXXX  and they said they were going to fix it. Now it is affecting my credit report. Please fix your system errors, fix my account, and delete this from my credit report today. I need my credit report as it was - Excellent. 

TD XXXX XXXX is charging duplicate charges and fees when the balance has been paid per the Contract/Agreement since I received the phone on XX/XX/XXXX. The balance is overstated with these duplicate charges and fees. 

I contacted them via phone multiple times and they told me that they were going to fix the balance but now it is reported as a collection in my credit report. 

Please delete it from my credit report TODAY, and correct the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX  that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX  out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I have received SEVERAL harassing phone calls from Direct Recovery Services. They simultaneously call me, my employer and my ex-husband 's cell phone number, whom I have not been married to since 1993, and leave an intimidating recorded message stating they have checked my history and I do not seem like a dead beat, they only have a short amount of time to work with me on the debt, no information is given as to what the debt is, by whom or the amount. Just an account number and their web address. 
I XXXX  their company information and found they have HUNDREDS of complaints that have been filed regarding fraudulent accounts, harassing consumers with threatening messages and when consumers call they are treated rudely and disrespected by the agents they speak with to verify the information. I requested their information on this supposed collection account in writing. They refused to give me the information and never mailed a letter indicating I owed a debt and have 30 days to dispute it. 
I went further and went to their website and entered the account number I was given in the recorded message. It took me to an collection with a company called XXXX, XXXX. I XXXX  the business name which is in fact XXXX ( XXXX XXXX XXXX ). I do have an account with them and have had for several years so fearing I was a victim of fraud, I contacted XXXX and chatted with an agent explaining the collection account. He confirmed that I do not have any past due balances with XXXX nor do I owe anything on my account nor has fraud been committed on my account. I asked him about the collection company and he had no knowledge of the company. 
I emailed Direct Recovery Services again requesting written verification of the debt and also attached the chat conversation with the XXXX agent. This company will not respond. I went to the XXXX XXXX XXXX and filed a formal complaint, they responded with it was on the consumer to request verification of the debt. 
This company has violated every law in the FCRA. I don't think this is a legitimate collection company and they should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: FL

Complaint narrative:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: FL

Complaint narrative:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

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