vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a retired employee with Chase trying to refinance my current mortgage with Chase for the lower interest rate. I previously refinanced in 2017 with no problem closing in one month or six weeks. I now have {$17000.00} more in savings and less debt, one credit card of {$2700.00}. I have a mortgage payment of {$630.00} and pay {$150.00} extra each month. I applied to refinance which took a year, having been cancelled more than twice because of time restraints with Chase and having to start over. Chase hires an outside entity to oversee their applications and they declined me due to too many inquiries on my credit, all made by Chase 6 in XXXX, and 5 in XXXX that they told me of. Also this entity told me I have too many revolving accounts. I have one now and had a second with Chase of! XXXX now paid in full. They made so many mistakes, a XXXX Department head got involved, who now has left company. The loan documents had more than 12 errors, my name, the amount of the refinance, the number of years with my company down as 1, should be 21, {$50000.00} in savings not indicated, {$42000.00} loan to be paid off XXXX no loan error by Chase XXXX. I had a property in Texas sold but they wanted me to include it in my income but it was not in my name and legally could not be used, but I was able to show check copies for four years showing it all paid on time, sometimes double. My credit score is XXXX but went down some due to all the inquiries Chase made on my credit. I found the Chase employees very inept blaming it on the pandemic. My previous refinance was not a problem. They also requested {$500.00} as they said to quickly close in the next few days. They took the money and then declined

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I AM BEING SUED BY SCOTT AND ASSOCIATES FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: RI

Complaint narrative:
HI ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that 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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
HI PRA ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
HI XXXX ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, Transunion and XXXX  Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXX XXXX and or Transunion or XXXX. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information

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 2021-06-08 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: NY

Complaint narrative:
On the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, XXXX  and Experian Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXXXXXX XXXX and or XXXX  or Experian. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint may has already been filed though CFPB with no response ( XXXX with a response that requested more information. 

I'll ask again here. I'm asking that for both my wife and myself, that we are requesting to no longer use the FREE Transunion access, which are " Service.transunion.com '' and " XXXX '' Right before our loan was transferred to the present mortage company, we were both kicked out of the free access and had to go through a proving the same info you already have in detail, and was told that we had to use a NEW log-in access that became " Service.transunion.com '' which was totally new to us and when asking about it we were told that it was the new means to allow us access to our credit reports. And if trying to log back in using Transunion.com the sight indicates that we're not already in the system, yet at times in the past we were told over the phone that I was already registered on three different Transunion accounts, but once we got kicked off and were told that we could only use Service.transunion.com which does not reveal what those who pull our credit report say the are seeing when they pulled our reports. So this takes us back to needing to gain access to " Transunion.com '' only that has us both blocked out.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I booked a Hotel for trip to XXXX in XX/XX/2021. When I arrived the hotel informed me I had 2 reservations. Not aware I was double booked I fulfilled 1 reservation and filed a claim with my bank when I returned. Unfortunately my bank did not uphold the claim and I am out {$560.00} When I called XXXX they said it was booked through a partner website and they couldn't refund. So I stayed I full-filled 1 reservation for {$670.00} ( Conf # XXXX & PIN CODE : XXXX ) and was billed for it. But did stay in the other room for {$560.00} ( Conf # XXXX XXXX XXXX XXXX XXXX & PIN XXXX ). When I got home from the trip I saw the charge and filed a claim with Wells Fargo my Bank. Claim # XXXX was denied some 3 months later with no explanation. Because of the length of time between filing the claim and response has been 4 months they are saying to much time has passed. I have been waiting for them for crying out loud!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo did not issue me a provisional credit at the time of filing unauthorized transaction claims even though it was required by law. Wells Fargo also is not recovering my money that was stolen out of my checking account. I hate how Wells Fargo is taking advantage of me like this. They are not doing their job to protect their customers. This is the last time I will be filing my complaint on CFBP. If I don't get my money back, I will be talking to press and escalate this further.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was on XXXX XXXX XXXX  page and saw they were selling limited edition XXXX record players, so I commented asking if they would ship orders to other states since they were only delivering within CA at the time. Someone replied to my comment to find XXXX on XXXX. 

I wanted to order the record player and vinyl set, and he said he could ship it to me ( XXXX now offers online ordering : -/ ). I paid him XXXX} on XX/XX/2021 through my bank ( XXXX ) using Zelle. On XX/XX/XXXX, he sent me an email ( XXXX ) with a tracking number from " XXXX XXXX XXXX XXXX ''. I found out later that this company does not exist. 2 days later, I got an email saying my package had be held at XXXX XXXX XXXX. When I called their non-emergency police line, they said they do not work with civilian mail and that I had been scammed. 

I have tried filing 2 reports with Zelle, but I have not been able to get into contact with anyone on the phone or over email. I called my bank, and they said there was nothing they could do since the payment had already been accepted. 

XXXX XXXX has since contacted me multiple times via XXXX text and XXXX  calling demanding more money or I will not get my shipment ( which I have now verified does not exist ). I am scared because this individual 's XXXXStories show firearms, and he has my home address. 

The email he had me send the money to through Zelle was XXXX, and the tracking confirmation email came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: AL

Complaint narrative:
I contacted XXXX to receive propane in XXXX of XXXX. I never received any propane and therefore had my credit card company dispute the claim. After several months of back and forth the company agreed that we have an account balance of {$0.00} and sent an email dated XX/XX/XXXX reflecting this. We received a letter dated XX/XX/XXXX from ARM solutions trying to collect this debt. I have attempted to communicate with both companies to resolve this but can not reach anyone who wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account : XXXX XXXX XXXX  # XXXX ; Experian # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.

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 2021-06-08 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2021, property taxes were due. My mortgage servicer failed to pay my property taxes and I received a delinquent property tax bill at the end of XXXX. More penalties, charges and interest will be put on my home if the property tax and the penalty is not paid by the end of the month ( XX/XX/2021 ). 

We have never missed a payment for our mortgage, and escrow has enough funds to cover property tax. I called NewRez / Shellpoint Mortgage on XX/XX/XXXX to make them aware of this situation and to make sure the property tax, in addition to the penalties, is being paid out. I followed up on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my property tax still hasn't been paid. All the customer service representatives told me that there is still no response to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation