vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My complaint is regarding my escrow analysis, and resulting misapplication of payments I received an escrow analysis on XX/XX/2020 ( attached ). In that analysis I was informed that 1. ) my tax amount had increased, and 2. ) there was an escrow shortage of {$3500.00}. While I agree with the amount of the tax increase ( it matches my current tax bill, which is attached ), I do not agree with the escrow shortage being reported. The escrow analysis incorrectly lists my tax due date as XX/XX/XXXX, when in fact the correct due date is XX/XX/XXXX ( shown on the tax bill enclosed ). This mistake regarding the date is inflating the tax shortage by {$2300.00}. the actual shortage is {$1200.00}. I have sent Ameris bank the tax documentation, and have called and emailed over 20 times, since XX/XX/2020 ; However as of the writing of this letter the mistake has not been corrected. 
My second complaint derives from misapplied payments. I typically pay my mortgage on the XXXX of the month for the upcoming month. On XX/XX/XXXX, I made a payment of {$2500.00}, This payment amount was an estimated mortgage payment amount if the escrow analysis was corrected. The payment should have been allocated as follows Ameris change the payment application and did not treat this payment as a mortgage payment. 
I believe the mistakes that are being made are both deliberate and systemic. I believe escrow shortages are created at Ameris Bank in order to overstate the amount of cash deposits on hand and overstate the value of the bank. I also believe the customer service agents are trained to dissuade customers from challenging the escrow analysis and prevent corrections from being done. I believe this because when I call the flow of conversation is the same each time as if the representative is reading from a script. 

As a result of all of this I am reaching out to the CFPB to assist me in having my escrow analysis fixed, and my payments reflected accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2021-01-15 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: CBC Companies, Inc.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXXXXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: I.C. System, Inc.
State: VA

Complaint narrative:
Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

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 2021-01-15 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: Westlake Services, LLC
State: VA

Complaint narrative:
Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to Westlake Financial and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not respondedXXXX XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.

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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NV

Complaint narrative:
Amerisave Mortgage should be investigated for being incapable of servicing mortgages. EVERY SINGLE month, I have to call them to fix some screw-up or other. Their employees provide false and misleading information, make promises that are not kept, CLAIM to be making desired account changes, but fail to do so. Cancel automatic payment plans for no reason whatsoever ( not at the customer 's request ), at least three-quarters of the people that take your call on the phone ( when you can actually GET someone on the phone ) have some sort of shortcoming with respect to knowledge and/or performance of their job. I have NEVER encountered a more incompetent institution in ANY industry. Massive reform is needed. Management should be flushed, employees given far more training than they have received to date. I was promised that a biweekly payment plan would pay down capital every two weeks, but after MANY conversations, I discover that Amerisave merely withdraws funds every two weeks, sticks the money in a non-interest bearing account, waits for the second half of the full month 's payment to arrive, THEN pays the mortgage and for this privilege, the customer must pay a startup fee of {$150.00} and pay the mortgage a month in advance. This is a scheme for robbing the customer of the interest in their source funds account and capturing that money for Amerisave to use interest free for two weeks until the other half of the payment has arrived. It's a form of theft, but it's presented as a plan that pays down the capital at an accelerated rate. Deception, misrepresentation, and incompetance in one institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was closed on XX/XX/2020 but I was supposed to receive my funds on XX/XX/2020 I still havent received my funds

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 2021-01-15 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: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I send more proof of return to sender for my refund. I don't have the wig, because they request me to return, I did with there return label picture attach show. All I want is just my refund of {$110.00} I used my Chime Bank credit card for this purchase XXXX XXXX Note : You never had my dispute form and my evidens of document to make your denial, to close my case. You ignored my paperwork before it got into your hands to make your decision to close my claim so that's why I submitted everything back in for your review for my refund that's the right thing to do.and I should have to wait no 45 days for my refund because it was never reviewed from the first time. 

Copy letter : This what I send to my Chime Bank XXXX XXXX XXXX Here are my documents that Dispute refuse to review today. You didn't take the time to review my proof of fraud again this company XXXX For my {$110.00}. 

They requested the package with there label I did return to them the same day of recieving the package wig inside. That I did not order XXXX XXXX XXXX in NJ. Request the Dispute to contact him XXXX at XXXX to verify my claim return the package to get my refund back. They never contact him. In my Claim. This Company got the wig I return and my money if {$110.00} And I report this to my XXXX bank. In this matter.. 
Please contact me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
OnXX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account showing on all three bureaus but only XXXX is showing it as {$0.00} balance. Experian was showing it last month as {$0.00} and now they have shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the report from XXXX  as well as XXXX  to show the difference. As well as i have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in 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 2021-01-15 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: TX

Complaint narrative:
I UPLOAD AND MAIL DISPUTES FOR FRAUD AND INSTEAD THEY TREAT IT AS A DISPUTE, THEY TOLD ME TO HAVE A POLICE OR FTC REPORT WITH ACCOUNT AND NAME OF FRAUD LISTED AND I SEND THEM THAT INFOMATION EVER I AM A VICTIM OF IDENTITY THEFT FOR OVER THE PAST 3 YEARS OR MORE.I BEENCATCHING THE THEFT THE PAST 2 YEARS BUT LAST YEAR I WAS SICK AND ALSO LOST MY JOB SO I START SEEING THE EXTRA ITEMS COMING OUT MY ACCOUNT, BECAUSE THE IDENTITY THEFT THAT WAS OBVIOUSLY CLOSE TO ME EITHER AS A FAMILY OR FRIEND, WAS OPENING UP SMALLER ACCOUNTS IN MY NAME AND WAS PAYING THEM THRU MY BANK AND WHEN THE CHECKS START BOUNCING BECAUSE I EITHER HAD ENOUGH MONEY FOR MY BILLS THAT I AUTHORIZED TO OPEN OR BILLS I DEFERRED THRU COVID. THESE CREDIT BUREAUS REFUSED TO REMOVE THE FRAUD ACCOUNTS. I GOTTEN A POLICE REPORT WITH THE ITEMS LISTED AT THE POLICE DEPARTMENT INTERNAL SYSTEM, I ALSO HAVE A FTC REPORT AND A AFFIDAVIT OF FACT SWEARING IM TELLING THE TRUTH, WITH THE BANK STATING I WAS A VICTIM OF FRAUD TO THE POINT THAT THEY HAD TO CHANGE MY BANK ACCOUNT. I HAVE MULTIPLE WAYS TO PROVE ITS NOT ME BUT THIS IS THE BEST ONE. MY MORTGAGE WAS {$3000.00} CAR NOTE {$1000.00} A FEW CREDIT CARDS {$500.00}, WHY WOULD I NOT PAY THE {$25.00} BILLS AND {$100.00} BILLS ALSO THESE ACCOUNTS START GOING NEGATIVE IN 2020, THATS WHEN THE CARES ACT WAS SIGN AND IT GAVE PERMISSION FOR CREDIT CARDS CAR LOANS, ALMOST 90 % OF ALL BILLS TO BE DEFERRED 3 MONTHS AT A TIMEAND YOU CAN DO THEM 2 TO 3 TIMES IN THE YEAR. SO IF THEY WERE MINES, ALL I WOULD HAVE TO DO IS DEFERRED THEM. THIS IS MY 5TH TIME SENDING THESE DOCUMENTS TO THE CREDIT BUREAUS AND THE CREDITORS THEMSELVES, AND THEY SAY WELL WE HAVE A COPY OF THE RECIEPT AND COPY OF APPLICATION BUT WHY OF COURSE. NOBODY IS GETTING THESE ITEMS WITHOUT ID AND ID CAN BE USE STOLEN OR BORROW AND I THINK ALL 3 HAPPEN. UNDER THE LAW I HAVE DONE EVERYTHING CORRECT TO GET THESE ITEMS REMOVE. THIS HAS STOP ME FROM GETTING MY SBA EIDL LOAN BECAUSE OF MY CREDIT AND IT HAS STOP US FROM REFINANCING AND MORE. AND HAS STRESS ME OUT SO BAD TO THE POINT WELL IM TRYING TO RAISE MONEY FOR A LAWYER. I AM SO FUSTRATED FOR THEM TO TELL ME IM LYING ABOUT A POLICE REPORT IS FAKE AND THEY KNOW ITS NOT, THEY JUST HAVE TO CALL THE POLICE STATION, THEY HAVE DESTROYED MY LIFE. I WILL NOT GIVE UP UNTIL THIS FRAUD STUFF IS GONE OFF MY CREDIT AND IM REALLY REALLY THINKING ABOUT SUING THEY VIOLATED MY RIGHTS OVER 100 TIMES, THATS 100 TIMES {$1000.00} PER VIOLATION PLUS PUNITIVE DAMAGES AND MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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