vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 there was an Unrecognized Withdrawal for {$11.00} that Chase has Not credited and why Chase closed account. There is also a {$110.00} credit from XXXX along with {$3.00} monthly credits from XXXX that I have not received along with disputes I previously put through 1 year ago that Chase does nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi Mgr ; I was 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 2020-08-24 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: DISCOVER BANK
State: IL

Complaint narrative:
During the Covid lockdown Discover student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nexera Holding LLC
State: CA

Complaint narrative:
Hi there, I have a mortgage broker who reached out to NewFi prior to submitting the loan to them for a cash out conventional ReFi. The process started on XX/XX/2020 when the loan manager at NewFi stated they are a " No Nonsense '' lender. The broker asked for all the necessary mortgage info ( W2 's, utility bills, tax returns, etc ). We submitted everything. Now, I'm not sure on SOP for banks but they seemed to only respond to us every 14 days without giving much info or a conversation. What got to me was the banks ability to mishandle documents. We submitted our W2 's / Tax Returns four times with them, which has me worried that they are mishandling our documents with all of that sensitive information. The straw the broke the camels back for me was the 4th time asking in XXXX for information we sent in XXXX. They basically told our broker after that they find our loan too risky ( despite meeting all requirements, having perfect credit, etc ) and that they will not submit an official denial of the loan, that they'll continue to stretch this out and ask for random items. It felt melicious and that they were agists to us given we are a young couple purchasing a home. I feel they were judging my fiance because she is XXXX as well. Always commenting about how the income is from XXXX, etc. She is an American citizen, bottom line and that should not be of concern to them since we file tax returns in USA every year. 

I tried calling NewFi myself to file a complaint and the secretary mentioned there is no way for me to make a complaint. I asked for a leadership position and she mentioned that there is no way since no one is in the office. I asked for her to send my number to someone and about four hours later, I called again, told her I really needed to speak to someone and she said she'll send it through. Someone called eventually and this guy basically was a brick wall. I couldn't get anything out of him, no empathy to the situation at all, just said I have to talk to my broker. I told him the broker can't get a response out of the loan managers unless there's a full moon out ... 

The whole process was a waste of time when we could have been filing with an organization that would fund the loan at another bank. They however deliberately wasted out time, mishandled documentation, unprofessional, horrible SOP, and bad leadership team. Their communication policy needs a serious overall and I want to complain about anger they have put us through. We were always professional, responding with request within 24 hours and wanted to help push this along. It seems to me the banks are more than willing to take the money from the Fed at a cheaper interest rate but aren't interested in funding loans and will make up excuses to not fund them ( just like what happened to us ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago, I called the Experian Credit Reporting agency regarding my Credit Report. There was a Negative or Poor Rating due to excessive Credit Report Hard Inquiry on my account. As I further investigate there were 12 Hard inquiry. However, 7 of them are for 1 specific car loan within 5 day timeframe. I tried to dispute this issue via telephone. The Experian Representative " XXXX '' ( Supposedly her name ) I spoke to was very dismissive, rude and talk down to you in an insulting manner. My inquiry and dispute was NOT resolve and proper explannation was NOT provided to me.These inaccurate reports are affecting my Credit Report in a Negative manner. Experian customer service are HIghly Unproffesional and detrimental to my purchasing capabilities.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX my bank account ( Chase Bank ) was  accessed by an unauthorized user. I received a notice on my phone of suspicious activity and noticed there were unauthorized transfers of {$720.00}, {$550.00} and {$500.00} through XXXX, the last of which was rejected and flagged as suspicious. I called Chase within 5 minutes of the transfer and asked them to stop the pending transfer and initiate a fraud investigation. They initiated an investigation, walked my through creating a new online account and restricting my checking accounts. They instructed me that the funds would be credited to my account after 10 days. However, after 13 days I called when no credit was applied and I was informed that my fraud claim was denied ( without notifying me ). They insisted that the transfer came from my IP address therefore it was not fraud. I insisted that I was sitting at my computer when the transfer happened and had not logged in for approximately 10 days prior, so I must have been hacked. The informed me they were very sorry, but I have no recourse for being hacked. I asked why I can stop an ACH transfer, Credit purchase or other transfer but not a XXXX transfer. They said because XXXX is a third party and the transfers are instant, I have no recourse. Chase shows the name and the phone number of the person who the money was transferred to, a person I do not know, and will only investigate superficially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 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: NV

Complaint narrative:
Problems with my credit report due to unverified misleading inaccurant 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 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During the Covid lockdown XXXX student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

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 2020-08-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
During the Covid lockdown XXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During the Covid lockdown XXXXXXXX XXXX XXXX has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

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 2020-08-24 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
AMSHERCOLLECTIONSERVICES # XXXX To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) AMSHERCOLLECTIONSERVICES # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
An unauthorized inquiry was made by Ally financial on XXXX XX/XX/2019. They have no signature of me or my consent to pull my credit. They cant verify how they were able to pull my credit report.According to FCRA if they cant prove it, they must remove it. I am extremely stressed because im in the process of buying a home and im unable to do so because of Ally financial inquiry.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I opened and M and T Premier checking account XX/XX/2020. The promotional terms were {$500.00} which I completed on XX/XX/2020. The bank confirmed my promotion and instructed me to wait. I waited the 90 days and now they state I am not able to receive a promotion .I spoke to the bank at least 5 times and they had many opportunities to inform me. They made me send identify documents twice. I feel they are being deceptive as they also charged me {$14.00} in service fees for 2 consecutive months. They had no intention on paying this promotion and merely bilked me for fees. I have attached all the records I have kept, and a copy of their promotion.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

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 2020-08-24 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 AM A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS KEEP APPEARING ON MY CREDIT REPORT. THESE ARE NOT MY ACCOUNTS, PLEASE REMOVE THESE FRAUD ACOUNTS FROM MY CREDIT REPORT. OR I WILL BE SEEKING LEGAL ACTIONS.

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 2020-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage Services offered me a streamlined refinance with no credit check, no income verification, and no appraisal. I was told twice via email that there would be no credit check. When filling out the application, I specifically DID NOT give consent to perform a credit check. Two days later I got a notice from XXXX that Carrington Mortgage had performed a hard inquiry on my mortgage file. Carrington also performed a hard inquiry against my wife 's credit file. We both have great credit, and they offered us a mortgage refinance, but they were dishonest and lied about accessing our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: MD

Complaint narrative:
I was notified that Enhanced Recovery Company reported a balance for an old sprint bill to the credit bureau 's in XX/XX/2020. This debt was not only discharged in a bankruptcy, but it was also reported well outside of the statute of limitations. They arent even reporting all of the required information, such as date the account first became delinquent with the original creditor. When the credit bureau 's attempted to validate the information with them, instead of checking their records they simply reported it as accurate. To date, this company has not rectified this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. in XXXX XXXX. The nurse on duty thought I was a XXXX patient and forced me to go to the emergency department which was a misleading and wrong judgment. 

I went to the XXXX XXXX and the doctor on duty in the XXXX Department wants to XXXX for XXXX XXXX on my back to prove their Wrong Assumption. I denied because both my wife and I were educated in XXXX XXXX when we were young. 

I pointed to the Doctor that my body XXXX and XXXX XXXX numbers are both normal, the chance that I have XXXX is very low. I dont want have the side effects of XXXX XXXX operation. He agreed and dropped that procedure. 

According to the last XXXX  who checked and talked with me before I was discharged from the Emergency Room, my problem was caused by XXXX in my XXXX XXXX, and it is XXXX. 

I stayed there for less than 24 hours and refused to be transferred to the normal patients room for extra stays. There are no medicine were used and no IV for liquid or medicine. 

I dont know how the hospital could bill the insurance company for {$55000.00}. ( Both the insurance company and I asked for the medical reports for all of the listed test/examination. Besides a few basic one, none of the listed charges have provide us evidence/reports. ) I have contacted TransWorld Sys Inc/XXXX for more than 3 times ( a collection company who purchased my data from XXXX and want me to pay the {$460.00} denied by my insurance company ) and Disputed with XXXX and provided evidence to support my requirements. 


I have dig into my medical records in the past two months and collected all evidence to prove that I am not responsible for the {$460.00} Transworld try to collect on behalf of XXXX XXXX XXXX XXXX ( Part of XXXX XXXX XXXX XXXX ). 

Attached please find the copies provided by XXXX XXXX XXXX XXXX. ( Patient Name : XXXX XXXX XXXX, Subscriber ID : XXXX, Claim Number XXXX. The claim was received on XXXX and processed in 30 day ( s ). Patient Responsibility : {$100.00}. Amount XXXX XXXX Paid : {$9500.00}. Network savings : {$46000.00}, Amount Billed by Provider : {$55000.00}. Please see all of the columns that under Patient Responsibility : Besides the {$100.00} Co-payment I have already paid, the rest of my payments are all XXXX. 


I have maintained a very good credit history in my life and wont let this ruin my credit score. 

Please go through the attached documents and help me to resolve this issue. 

Thank you very much! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was using a PNC smart access account to receive my unemployment benefits during this pandemic last Tuesday I went to use my debit card and it was not working being declined I called PNC and they told me that they had returned to the the most recent deposit and closed my account and will not give me an answer to why. so I am not waiting for that deposit to finally show up I was told it could take up to six weeks.

I'm not sure if it's the right thing to do to somebody by closing their  account that's only receiving the unemployment benefit deposit during a pandemic

Company response to consumer: Closed with explanation