vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE BANK DENIED CLAIM ON XX/XX/XXXX CLAIM WAS MADE ON XX/XX/XXXX DUE TO A TO A CHARGE ERROR ON CHASE BANK ACCOUNT. CHARGE OF {$700.00} WAS SEEN ON ACCOUNT FROM XXXX XXXX XXXX XXXX. CONTACTED CHASE AND CLAIM WAS MADE. 

CLAIM WAS DENIED ON XX/XX/XXXX CONTACTED CHASE AND REP. SAID CLAIM WAS SUBMITTED INCORRECTLY BY LAST CHASE REP. WILL SUBMIT NEW CLAIM AS FRAUD. 

CLAIM DENIED AGAIN ON XX/XX/XXXX CHASE STATED CLAIM DENIED DUE TO MANY OPEN CLAIMS. TRANS WAS FRAUD WHY IS CLAIM DENIED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
I found out on XX/XX/XXXX about information sent to collections through XXXX XXXX. I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from National Recovery Agency ( collections agency ) prior to placing on my credit report. I never received a letter giving me the opportunity to validate the debt. 

I have contacted XXXX XXXX in XXXX of XXXX regarding the charges that were charged to me because the insurance companies XXXX XXXX and XXXX have paid the allowed amount of some of the charges and the other charges for the medicine they never billed the insurance company. I have called several times for months and they said someone from the billing department would contact me. 

Please investigate XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.

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 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
OnXX/XX/XXXX company was contacted by me by letter for them to contact agency who is handling my debt. On XX/XX/XXXX I again I contacted them by letter indicating to them to contact the agency I had hired to resolve the debt. I continue to received calls from them when they have informed of who they should be contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I have no knowledge of this debt. I never received paperwork. Please provide proof of a contract between your company and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest Recovery Systems, LLC. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my XXXX  report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. 

Alleged balance : {$650.00} Original Debtor : XXXX XXXX  XXXX  Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My deceased wife ( passed XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The bank did confirm there is no signatures as this was an online application. How can a bank get away with opening an account in my name without my permission, a signature or any proof of who is opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
The person we spoke to at XXXX XXXX  fraud department was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I financed a bed with XXXX XXXX XXXX  that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer  and donated it with proof. and they are still coming at me in my credit report with XXXX   and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: MI

Complaint narrative:
I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, XXXX, Experian and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all XXXX credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX -XXXX  Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed XXXX difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing XXXX different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are XXXX different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX, and XXXX, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, XXXX, and Experian all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

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 2020-04-09 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: IL

Complaint narrative:
Experian has failed to remove the following account from my credit report after XXXX  and XXXX  has deleted the following accounts. Experian still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX # XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I received a call from Sequium XXXX for a XXXX account a few months back. I believed it was fraud beacause I currently have XXXX in good standing. I advised the rep that account was not mine, I was disputing. Last week Sequium started reporting negative tradelines. I have already sent them a police report regarding ID theft. Also, disputed through XXXX. I am attempting to purchase a home and would like to get this resolved quickly. Due to Sequiums actions I was unable to close on the home last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: CO

Complaint narrative:
To Whom It May Concern : We initiated a mortgage application via XXXX. The lender we initially pursued the loan with was Lending.com ( aka Finance of America Mortgage, LLC ). 

XX/XX/2020 ; approximately XXXX XXXX  MDT : When I initially spoke with the Loan Officer, XXXX XXXX XXXX, the subject of title companies came up. He was quoting me approximately {$1800.00} for title costs. I specifically asked if we could choose a different title company because I thought it had been cheaper during our last refinance. Mr. XXXX clearly indicated that if we did not use a title company of the lenders choosing, they would not want to pursue the deal. He offered a reason that because of the ongoing COVID-19 pandemic, their preferred title companies would be most useful to facilitate remote closing. 

However, when viewing the initial loan disclosures, which I have saved, there is clearly a form for me to sign indicating that I can choose whichever title company I prefer. Furthermore, the form indicates that one of the lenders title companies shares 100 % common ownership with the lender. 

XX/XX/2020 : I reached out via email to Mr. XXXX because I wished to put him on the record and keep the correspondence in writing. At this point I wanted clarification and was not averse to still using his company for our loan purposes. However, and I saved the email thread, he tried to say that he specifically told me on the phone we could use a title company of our choosing. This was a blatant lie and It is my belief that he only changed his statements regarding title companies once I put him on the record by putting the correspondence in writing. 

I realize there is no way to prove the contents of our phone call. The best I can do is provide timely documentation of such things thus creating a time stamp. 

That being said, I did wish to go on the record and provide formal complaint of his dishonest practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized 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 2020-04-09 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:
My husband and I are trying to buy a house and today XX/XX/2020 the agent ran our credit to see how much we would qualify for ; I saw several accounts and inquiries that do not belong to me. The accounts and inquiries are from many different companies that I am not affiliated with in any way. I do not have any written or verbal contracts with any of those companies and I did not benefit anything from those accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payments towards any of those accounts. I did not allow any of those accounts to be opened in my name therefor I have filed a police report in regards to all these unauthorized 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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My XXXX wife ( XXXX XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling my credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The person I spoke to at the bank was XXXX XXXX The bank did not supply any evidence that I applied for this credit card and there is no way they have my signature for this account. I have another account with Capital One that I have had for many years that is not being disputed. How can a bank get away with opening an account in my name without my permission, a signature or any proof of whos opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
Please note that there were 2 fraudulent accounts opened with Capital One and I will file a separate complaint for the other account. Why would any consumer need multiple credit cards with the same institution. The bank definitively should have reached out to me to verify that I was the one opening these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of 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 non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was contacted by a minister XXXX XXXX and accused of having a balance owed to Wachovia Bank he said that it went into collection in XXXX. I suspected that this was inaccurate because I had paid off that's previous to XXXX in order to purchase a home. I researched online and find the number to call Wells Fargo for all Wachovia that's when I call the representative and gave my social security number they were not able to find anything in their data base connected to my social and no accounts connected to my name. The phone number that was left on my answering machine wasXXXX. Based on the information given to me by The Wells Fargo Bank representative this was a fraudulent call please investigate this claim thank  you. XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation