vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
My husband and I, and father, have attempted to track down and recover funds associated with a certificate of deposit ( CD ) that was purchased for me by my father from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio on XX/XX/XXXX. The amount of the CD at that time was {$3000.00}. It had an interest rate of 7 %, payable annually, and it was for a term of five years ( with a XX/XX/XXXX maturity date ). Importantly, it included the following : AUTOMATICALLY RENEWABLE FOR SAME TERM. 

We understand that the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX of XXXX Ohio, became XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX. We also understand that, in XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX and was later acquired by ( merged with ) JP Morgan Chase in XXXX. After coming across the CD this summer in a safety deposit box, I telephoned JP Morgan Chase to determine what I needed to do to redeem the CD ( phoning twice in XXXX and AXX/XX/XXXX ). I even presented the CD at a JP Morgan Chase branch office in XXXX XXXX Maryland in mid XX/XX/XXXX. In addition, my father, who purchased the CD on my behalf, visited a branch office of JP Morgan Chase in XXXX, Ohio on XX/XX/XXXX to see if he could help. Shortly after my fathers XXXX visit, which resulted in no resolution, I filed a complaint with the U.S. Governments Office of the Comptroller of the Currency ( OCC, case number : XXXX ) onXX/XX/XXXX. In addition, on XX/XX/XXXX, I also filed a complaint with the Federal Deposit Insurance Corporation ( FDIC ). 

JP Morgan Chase has maintained that they are unable to determine what happened to my money and suggested, most recently in a XX/XX/XXXX letter referencing my OCC complaint, that we check with the State. Having done that on a number of occasions and having received emailed responses on XX/XX/XXXX and XX/XX/XXXX from the Ohio Department of Commerce 's Office of Unclaimed Funds, the State also has been unable locate my funds. We are frustrated and are seeking to determine what I should do next to recover my funds. JP Morgan Chase in aXX/XX/XXXX email to a researcher at the Ohio Office of Unclaimed Funds stated that their " Retention policies span 15 years and provided the given dates, the record is likely purged by now. '' The Ohio researcher suggested that we " find a contact at Chase that handles CDs that can research from the back end. '' We can not understand how a bank, which has used my money to make money ( i.e., via loans, acquisitions, etc. ), should not be obliged to return the funds to me ( with interest ) or to at least definitively inform me about where the funds went. Particularly given that the CD was to be renewed automatically until redeemed. I would like to know what I can do to compel JP Morgan Chase to adequately address this matter. If not, I would like to know what else I might do recover my money, which with interest, should now amount to more than {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: CT

Complaint narrative:
I received a phone call from XXXX XXXX calling about I debt I do not owe. I explained to him that i have health insurance and that the bill was never presented to my insurance carrier after calling XXXX medical and telling them that I had insurance and that I gave it to them during my emergency room visit and I gave them the information again. It's a violation of law to bill a consumer because the hospital didn't bill my medical insurance. After I spoke with XXXX XXXX explaining that I never received any information from his company he explained that they had an incorrect address on file. He corrected the address and started that they would send the information again. He also stated that its scheduled to go on my credit report even though I disputed it with him.

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 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
CFPB 1. USAA continues to lie to me and commit fraud. After talking to many tax attorneys, Certified Public Accountants, reviewing IRS documentation, and watching many videos on the subject it is clear to me that once a 1099-C is issue and a debt is forgiven or canceled the lender can not continue to attempt to collect money from the borrower ( double jeopardy ).

2. After the Great Depression the government passed many laws to protect the American people. After the Great Recession of 2008 the government again passed many laws to protect consumers and borrowers from predatory and unfair lending practices. Many were lost everything and were left homeless like myself. 

3. I had two loans with USAA. One Home Equity Loan ( HEL ) and one credit card loan. The home equity loan debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. The credit card debt was resolved and settled by USAA in XXXX and a 1099-C was issued by the IRS. USAA has continued to try to make me pay for these cancelled and forgiven debts. 

4. In XX/XX/XXXX USAA said they had a right to change the 1099-C ( false and fraudulent act ) and demanded that I pay {$4600.00} to settle the debt. I did not know better so I paid them. Now they want me to pay the {$54000.00} for the HEL that was forgiven and cancelled in XXXX. 

5. USAA is committing fraud and unfairly taking advantage of veterans and their families. Ive tried to settle this with USAA for several months and they keep giving me false information and making illegal and unreasonable demands. They are in violation of Consumer Financial Protection Bureau ( CFPB ) and Fair Debt Collection Practices Act ( FDCPA ). 

6. I am providing copies of the 1099-Cs and other reference material that clearly explains the law and supports my position. Please take appropriate action against USAA and get them to refund me my {$4600.00} that I gave them when I did not know this debt had been forgiven, cancelled, and resolved by the IRS and USAA. 

V/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: AFNI INC.
State: TX

Complaint narrative:
I received a debt collection letter from AFNI dated XX/XX/XXXX, regarding an alleged debt they claimed was mine. I submitted an email directly on their website requesting validation of the debt on XX/XX/XXXX. I received a response from their company a couple of days later stating they will contact me in writing with the results. On XX/XX/XXXX I received an alert from XXXX stating an account was added to my credit report from AFNI. I have not received any correspondence from them by mail or email. But yet they reported this on my file. I check my mail on a regular basis as well as my emails. As well as my credit report. Theyre obviously not taking consumer request seriously. Im beyond livid at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am XXXX and recently had to purchase promotional services for my social media for a total of XXXX USD. Being such a great offer for my business, I couldn't pass up the opportunity and decided to split the payment and make it through my XXXX XXXX charge card and my Bank of America credit card. I never passed any limit on these cards, however, my credit score was recently hit with a deduction of 42 points. As a person who is XXXX, a lower credit score will hinder me getting higher operating capital needed to make my business thrive. I'd appreciate someone's help with this. 

I've never ever missed a payment in my life and my current balance on these credit cards is close to zero ( they've already been paid off ).

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 2019-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I disputed something on my credit that is inaccurate providing proof the account is inaccurate and reported wrong. They will not remove it I have gotten it removed from my other credit account which I also provided proof of

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 2019-10-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I mailed a dispute letter to Equifax XX/XX/XXXX and a 30-day complaint XX/XX/XXXX, to this date I have received no response whatsoever in full violation of the FCRA. According to the FCRA Equifax is obligated to remove all disputed information from my credit report. The items are below : ACCOUNTS XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX wrong status XXXX  XXXX wrong status XXXX   XXXX XXXX XXXX wrong status XXXX XXXX   XXXX XXXX XXXX wrong status INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : DISCHARGED XXXX XXXX inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-16 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: GA

Complaint narrative:
I have this account on my credit report I have for it to be validated but they have not this one is not mines XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
XXXX  XXXX data breach and Equifax XXXX XXXX sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America is threatening for default loans, not due to none payment, but a huge mistake they have on the books. We have recently discovered a HUGE discrepancy in a duplicate loan by Bank of America. I only have 2 loans with Bank of American. Not 3, two of the three are duplicate loans and only one exists. This is a violation of ULA laws as well as federal banking laws.

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 2019-10-16 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: GA

Complaint narrative:
I have this account on my credit report I have for it to be validated but they have not this one is not mines 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 2019-10-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me of their legal ability to collect a debt and/or physical proof verifying of these debts so that they may be removed from my credit report or remain listed. Some of these unverifiable accounts were deleted while some of these unverifiable accounts remain. After further review, there are a total of 8 accounts now listed on my credit report that can not be verified as belonging to me. 
The letter also requested my legal name be corrected and any/all not-correct names be deleted. Correcting my name was not performed. 
The letter also requested incorrect addresses be deleted, the requested revisions were performed but on further review I have now found two more incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I received information that they were removed from my report. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have not received written notice that they are in compliance with my request. 
The letter requested telephone numbers that were listed that were not mine to be deleted from my report. Upon inspection of my report those phone number have been deleted. 
To date I have not received physical proof validating any requests of a physical proof. Transunion, did however email me a link to view my updated credit report - but I have not received a physical copy of it. The only physical letter received from Transunion was dated XX/XX/2019 saying that because I had previously submitted and electronic dispute of the listed addresses on XX/XX/2019 that by law now had an additional 15-days to complete the 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 non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Creditor has not provided verification of this debt including evidence that I owe this debt. 
On XX/XX/2019 I requested a formula verification of this debt as a key details were missing from the creditors response.. Specifically, I would like information Showing that I am legally responsible for this debt as I never had an account with the original. I have received no further information on this collection and it is still on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one data breach and XXXX capital one sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: GA

Complaint narrative:
THIS IS NOT A CREDIT REPAIR COMPANY. THIS IS THE ACTUAL CONSUMER XXXX XXXX. I HAVE ALSO SUBMITTED THIS COMPLAINT VIA MAIL WHICH YOU SHOULD BE RECEIVING ANY DAY NOW. I SUBMITTED A SIMILAR COMPLAINT OVER A MONTH AGO WHICH STILL HASN'T BEEN RESPONDED TO. YOU ARE WELL OVER THE TIME LIMIT FOR RESPONDING TO THE COMPLAINT AND THE ITEMS BELOW NEED TO BE REMOVED IMMEDIATELY AS YOU ARE NOT NOT COMPLIANT VIA THE FCRA. STOP DELAYING. AGAIN THIS COMPLAINT IS  DIRECTLY FROM THE CONSUMER AND NOT A CREDIT REPAIR COMPANY. YOU WILL BE SUED BY MY ATTORNEY IF YOU DELAY THIS AND DON'T REMOVE THEM ITEMS IMMEDIATELY!!! 


Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Please remove these asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect violated my HIPPA RIGHTS by somehow WITHOUT my verbal or written permission gained access to the procedure I received during a hospital visit. Nothing in any of my previous complaints against this company explicitly meany with plain language givea them the permission to access that info. XXXX XXXX XXXX should be very ashamed for divulging personal medical info without speaking directly with the patient. Medical info is highly protected. I DID NOT AT ANYTIME WHATSOEVER give AMERICOLLECT access to that private info. The only info I was aware they had was what was the amount of the debt. What they have done can not be allowed to happen to anyone. This is a blatant display of A HIPPA VIOLATION. 

Please see attached for further statements on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: GA

Complaint narrative:
this is not mines they will or have not validated this account 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 explanation