vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Mortgage was recently sold from JPM Chase to a Mortgage company called XXXX XXXX. I received notification of this around XX/XX/XXXX from Chase Home Loan. I was with Chase since the existence of this loan form XX/XX/XXXX. I understand the terms that this could be done at anytime during the course of the length of this loan. The reason I'm filing a complaint with the CFPB is that my credit score as of today has dropped 13 points. and the reason is because Chase has indicated on all 3 credit reporting agencies that my mortgage loan is CLOSED! In big bold red letters indicating ACCOUNT CLOSED. A note from my credit monitoring service says between XX/XX/XXXX and XX/XX/XXXX it appears Chase has closed a mortgage account in my name. I called Chase to inquire about this and they transferred me to a person who handles credit reporting in that department at Chase. After asking for my personal demographics to identify me, he looked at what Chase has placed on my report and he says it says transferred, But I told him it says closed and this has caused my credit score to go down considerable. They asked if my new loan holder was on my credit report. I said no. I have had a 23 year credit history with Chase home loan now they have caused incorrect credit scoring on my report. The he says wait 2-3 months and your score will increase with the new mortgage company. Like he wants me to wait to start over something it took me almost 30 years to build up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TX

Complaint narrative:
I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXXXXXXDEPT OF ED XXXX XXXX XXXX XXXX   MOXXXX  This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: MN

Complaint narrative:
Dear FFAM I ASKED YOU FOR THE CREDIT APPLICATION WITH MY SIGNED Signature attached You sent some billing statements that anyone could have made it. ONE MORE TIME IF YOU ARE UNABLE TO SEND ME THE INFORMATION REQUESTED I ASK THAT YOU CEASE AND DESIST OR ELSE YOU WILL BE SUED FINAL WARNING IF YOU HAVE PUT ANY MARKS ON MY CREDIT FILE I SUGGEST YOU DELETE THEM TODAY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: UT

Complaint narrative:
Experian is taking legal police reports and converting them in there in XXXX system to numeric codes to the debt collectors XXXX XXXX XXXX XXXX which the debt collector is verifying which should be a crime. How can they legally convert police reports to numeric codes? 


The police department stated this was a legal affidavit and it can't be converted to a CODE. 


Police Reports REPORT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from SYNCB Walmart and SYNCB XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

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 2019-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My BK is over 10 years old. I asked chase to remove the BK from my mmortgage statement. It embarrases me and i cant submit for a second loan. They refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants Inc. contacted me via phone about a debt owed to XXXX XXXX XXXX. After repeatedly requesting them to verify the debt as the account in contention was opened in error on the behalf of XXXX XXXX XXXX, they refused. I submitted an online dispute for both companies and received the below response from XXXX XXXX XXXX. DCI simply responded back stating the debt was valid even though the original debtor states that it was not. This error on both of their parts has resulted in a 80+ point reduction in my credit score and I am unable to resolve with the DCI through normal means. 

I called in back in XXXX of XXXX to add a line for my son and get him a new XXXX. At the time I was offered a promotional deal where we could buy one XXXX XXXX XXXX and get one for free ( on the same call ). The agent processed the order after I repeatedly inquired whether or not I was eligible for this promotion or not. Within a few days I received the phones and called again since the number on the box was not my own. I was told that that was a mix up and that I could simply use my existing SIM card and should be good-to-go. 
After a month or so, I received a letter stating that I needed to pay my XXXX XXXX XXXX bill for a phone number that I was unfamiliar with. I disregarded until I received a second bill stating that I owed for the entirety of the balance for the phones. I called Customer care again and explained the situation and was informed that the issue was resolved. I even received a letter stating the account had been closed. 
After another couple of months I began getting calls from a company called Diversified Consultants Inc. claiming they were working on your companys behalf to collect a debt. I again, called Customer care and was told the account was cancelled and that it would update on their end in the near future. 
The week of XX/XX/XXXX I received numerous phone calls from DCI and after repeated attempts to get them to re-verify the debt, a derogatory remark was placed on my credit causing a 80+ point drop. I attempted to call DCI to no avail and have yet to be able to get in touch with anyone to rectify the situation Below is the email from the Office of the President at XXXX XXXX XXXX stating they have corrected the error. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX <XXXX> wrote : Subject : XXXX XXXX XXXX Case XXXX To : XXXX Hi Mr. XXXX, I have removed the account from being written off with an OCA and also adjusted the balance owed on the account. I am still working to rebuild the installment plan on your line.Thanks again for your time and have wonderful week. 

Thank you, XXXX XXXX Office of the President XXXX XXXX XXXX XXXX , XXXX. 
o XXXX ext. | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called and spoke with the person who answered. I repeatedly asked why my credit score was going down while everything I was doing was positive. He repeatedly skirted the question giving me canned answers. I asked for a supervisor 3X before finally being given over to one. The supervisor was absolutely no help as well. He could not answer or would not answer any of my questions or concerns. 

The only way I check my credit scores is through XXXX XXXX. I know this is not totally accurate but they should be close. Over the recent 14 days my credit score with TransUnion has dropped 4 pts. while XXXX has increased by 28 pts. 

This is what is found on XXXX XXXX at the present time XXXX XXXX Transunion XXXX XXXX XXXX A 78 pt. difference. 
Hard inquiries, 3 4 1 pt. difference Total Accounts. 
20 28 8 years difference Credit History 2.6 years 3.3 years .7 years difference Derogatory Marks 0 0 0 difference Credit Card Utilization 45 % 45 % 0 difference Payment History 100 % 100 % 0 difference I need answers to several very important questions 1. Why is TransUnion lowering my Credit score as  I pay bills down? 
2. Why does XXXX have 28 accounts while TransUnion only has 20?

3. Why does TransUnion only have 2.6 years of credit history while XXXX has 3.3?

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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Automatic payments were set to go out every two weeks from my Arvest Bank ( XXXX ) account to a student loan account with the XXXX XXXX XXXX managed by XXXX XXXX. Payments were being made until the account was below a certain amount. Auto payments were stopped from Arvest Bank to the XXXX XXXX XXXX on or around XX/XX/2019 due to a lack of funds and Arvest continuing to send and then charging a insufficient account funds fee of {$17.00} on XX/XX/2019 and XX/XX/2019. Arvest advised me there was no way to not submit the payment if the account was below a certain threshold and auto pay would send the check or other means anyways even if the funds were not there. As such, auto pay was requested to be stopped so insufficient fund fees would stop. 

Shortly thereafter I started receiving phone calls from ( XXXX ) XXXX stating they were a payment company affiliated with Arvest and needed my credit card number to make the {$35.00} dollar payment since the last one had been returned. They had my name, phone number, and the amount of my last payment. I did not give them my credit card number and I then called Arvest Bank to ask about this. Arvest said they would investigate and I never heard anything back. I have blocked the ( XXXX ) XXXX number and that number is still attempting to call two to three times per day. The only way this company would have received my personal number and the payment amount is through Arvest Bank. 

On XX/XX/2019 I noticed that {$35.00} was taken from my Arvest account via ACH noting the following : XXXX XXXX XXXX RETRY PYMT. This was not authorized. I contacted Arvest bank and they told me there was no way to verify if an ACH request was authorized by the account holder or not and that I would need to pay a {$30.00} fee to stop the payment. In addition, this payment would have put the account into a negative balance and another {$17.00} insufficient fund fee would be applied by Arvest Bank if a new deposit was not made. 

Main complaints : - Arvest Bank financial practices to recoup revenue on unwarranted insufficient fund fees - Arvest Bank not verifying ACH requests are authorized ( acceptance on file, code sent, etc. ) - XXXX XXXX XXXX or their affiliate using unauthorized means to collect payments ( ACH request, phone calls, etc. ).

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 2019-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing  Acc # XXXX XXXX XXXX  Loan  MIN  # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : I has been requesting a complete copy of the Financial Statement of account # XXXX under SPS servicing from 2012 to present. But SPS has refused to disclosed it. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, 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 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, MO-XXXX This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.

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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Police Report ( Case Number- XXXX ) XXXX credit cards were fraudulently used without my permission. It's been a difficult task finding the police report and number due to our house being flooded and losing everything. But I found the police report and PORTFOLIO RECOVERY has failed to remove this debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a Bank of america revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted Bank of america on XX/XX/2019 and they couldn't help 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 non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is the complaint regarding the XXXX credit   card. The clothing store XXXX. 
I made a telephone payment for about {$14.00} on XX/XX/XXXX, which is also the due date for that billing cycle. However, I was told by the XXXX credit card supervisor that payment was posted on the account on XX/XX/XXXX XXXX therefore there is a late fee {$30.00} was charged. Today, XX/XX/XXXX, I made a phone call to XXXX, they are not willing to remove my fee. And informed me that I must pay it otherwise there will be after late fee and interest. I had them to cancel my credit card now, until we settle down this case. she also stated that even I cancel the account, there will be late fee and interest to put in the account if I don't pay on XX/XX/XXXX. 

This is not fair to the consumer at all if a credit card company keep rolling up the fee like a snow ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
many inaccurate and old information are reporting under my equifax credit report, these were removed and returned all at once. these are inaccurate and fraud account not belonging to me, the creditors had different address and phone number on file of these accounts that were activated under my name, these do not belong to me, please please have equifax removed all these inaccuracies thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: TX

Complaint narrative:
I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
MIDLAND FUNDING LLC and XXXX XXXX has erroneous been reporting a fraudulent debt in my name. I was able to find the police reports in regards to this matter. It was hard to find after our house flooded we lost most documentation. The detective emailed me a copy of the police report information. 

Police Report ( Case Number- XXXX-XXXX )

Company response to consumer: Closed with explanation