vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2021, I used the Chase Ultimate Rewards portal to purchase a three night stay at the XXXX hotel by XXXX in XXXX XXXX for XX/XX/2021 - XX/XX/2021. I redeemed a total of XXXX points for the trip, equivalent to {$380.00}. 

Upon arriving in XXXX XXXX, we discovered that the hotel property was inaccessible, and had apparently been closed for months. I was fortunately able to find one remaining vacancy at the nearby ( more expensive ) Downtown XXXX hotel, and later in the evening was eventually able to make my first complaint with Chase Travel for a refund. The Chase support team was unable to make contact with the XXXX hotel ( since it was, of course, closed ), but told me the investigation would proceed. 

On XX/XX/2021, I received an email update that said Chase had " made multiple attempts but are still in the process of making contact with our travel partner for your refund. Please expect an email update from us within 72 hours. '' I followed up on this notice with several direct messages to Chase Support 's XXXX account, and was told their " Travel Team '' would be in touch " in the next 2 business days. '' On XX/XX/2021, I received an update that " We have advocated your case with XXXX, a XXXX  Collection by XXXX and due to their policy in relation to your reason for cancelling your reservation, they have unfortunately denied your request. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

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 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: TN

Complaint narrative:
I spoke with two representatives today on XX/XX/2021, with Professional Finance Company in XXXX, CO. The first rep provided me with the file number # XXXX and maintained adamantly that I owed this debt. I attempted to call the original creditor, and was promptly informed that the balance showed {$0.00} owed. I then called back Professional Finance Company and spoke to another rep. She indicated that somehow they sent me a letter back in XXXX at my new address, and that she would not be able to issue me a new letter until I requested one in writing. According to FCRA they have to provide written correspondence when the consumer requests it. They also can not continue to contact me via phone if I've requested such. So in the event they attempt to contact me again, you'll absolutely be seeing a new complaint filed if they contact me via phone since I've asked them not to.

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX loan through US Bank was not being reported to the Consumer Reporting Agencies. Satisfied, Paid In Full, With No Missed Payments ... XX/XX/2014 XXXX ( This Loan Was Not Included In The Bankruptcy Filed XX/XX/2014 )

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 2021-06-16 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is reporting an account to XXXX and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

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 2021-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank Of America said I opened an account that I did not open

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 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My name was forged when they tried to serve me. I tried to contact it was a Indian Reservation Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm XXXX XXXX XXXX XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.

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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {$1000.00} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {$500000.00}, or one percent of the collectors net worth, whichever amount is lower. 


The attachments that are enclosed are not downloadable and no valid link to click on to view. Just because you show a lease agreement does not mean or constitute its legally mine. 





Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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:
XXXX XXXX XXXX XXXX is reporting an account to Equifax and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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:
XXXX XXXX XXXX XXXX is reporting an account to XXXX and Experian that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
for the past 5 year have been trying to get a loss Mitigation with the mortgage company when I was with XXXX XXXX, the XXXX XXXX told me they sold the loan to Fay Servicing. Fay Servicing increased my payments and interest from a {$2500.00} payments and interest of 4.2 % to a {$3300.00} a month and interest of 6.25 %, I have been in and out of the loss mitigation process 5 times the last offer they made me in XXXX was to pay a payments of {$25000.00} a month for 6 months. I had the home since XXXX and was paying on time with no issues until i called XXXX XXXX and asked them to allow me to miss a XXXX payments. they offered me to put me to qualify me for a repayment plan mean while not to make any payments until they approve me. and the XXXX turned into XXXX and now into XXXX, a lot of companies offered me to help only to steal my money. i ended up talking to an attorney and they recommended me to get into chapter XXXX, but when the covid epidemic my husband lost his job, my father and mother who are senior citizens with no income live with me and my XXXX children were struggling I tried again with fay servicing but they don't want to work with me and i feel that i am being forced to lose my family home, the back payments ate all the equity in the home but still worth the money owed on it. its value and what i owe on it is breaking even. but i have no other sources to go to any more. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
My co-payment at XXXX XXXX was {$50.00}. The collection company Americollect company keep posting the same {$50.00} repeatedly on my credit and my score keeps dropping. The same charge is on my credit 3 times. This is the same charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am going through a short sale of my home and I was promised a relocation assistamce amount to help me move. An investor was purchasing the property and wanted the house vacant before closing, I moved out of the property only for the investor to back out of the deal. My realtor found another investor in a week and we were under contract. 

As of today, PHH Motgage and XXXXXXXX XXXX have disagreed to give me the relocation assitance because the home is vacant ( at no fault of my own ). 

My realtor and I have spoken with countless representatives at PHH mortgage and have not been able to rectify this situation. 

I am XXXX XXXXXXXX XXXX and this bank ( who used to ne Ocwen ) illegally foreclosed on my home back in XXXX  and had to recind the foreclosure after I caught the illegal activity done by the bank. 
I can go on an on about what this bank has done to me. The sole purpose of this complaint is to make consumers aware of this " so called '' investor XXXXXXXX XXXX and PHH mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX  XXXX Account Number : 16** Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

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 2021-06-17 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: NJ

Complaint narrative:
HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Someone has acquired a loan through US bank in which they are recieving monies and borrowing acquiring loans. Additionally attempting to acquire a XXXX XXXX credit card which I cancelled. 
XXXX XXXX XXXX XXXX is My social security #

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally was paid off by my insurance I was in hit run my car got totaled out. I am trying to get new car but ally still on there they need to say paid off I have called twice and emailed them I need help. XXXX 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 non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have returned the Vehicle on XXXX XXXX 2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under XXXX Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than XXXX points. I want the acount to be close already and for the late payment to be fixed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
availed of CAPITAL ONE 'S $ XXXX balance xfer offer for 0 % for 15 months with 2 % xtion fees in XX/XX/XXXX. been paying minimum or more monthly pymts. hv other similar xtions w/ other cc companies that showed promo expiration dates on stmts & provide XXXX days to pay full bal w/o penalty. then came XX/XX/XXXX stmt w/ {$100.00} interest. i assumed 0 % finally ended so i paid full bal 3 wks after but more int showed on XX/XX/XXXX stmt so i called & pleaded abt waiving int & told had to borrow for $ XXXX full pymt just to clear acct but not even an amt for courtesy adj was made that other cc companies do esp pandemic time. i complained abt not putting exp date on stmt but supervisor was tough so i agreed acct to be closed. however in XX/XX/XXXX, been getting collection calls so i checked & late fees+int continued to accrue to {$290.00} so i called again. pled w/ another supervisor for waiver & asked if i cld just pay orig {$100.00} & consider debt forgiveness for the rest b/c i'm still unemployed w/ XXXX 4 yrs now, benefits denied, on food stamps, wife 's earnings seasonal only, home pymts unpaid since last yr etc. supervisor was either deaf or no heart for concerns at hand even after saying other companies are helping their clients b/c of pandemic effects. he agreed tho that promo expiration dates shld be on cc stmts & wld suggest it to admin. acct is XXXX if that helps. thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation