vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I saw this listing from XXXX about a rental home for military personell and upon checking everything looks legit and I even did a background check about that website and people said its pretty legit and how its easier for military members to look rental houses there. I reached out to the one of the listings there and he replied right away he sent me application forms and even his identification that he is legit. So i filled it out sent it back to him he said i need to put down {$1000.00} for security depost and another {$1000.00} to finally secure the house. So i did and he emailed me my lease with his attorneys signature, his signature and mine on it. So weeks before Im trying to move in he said, him and the property manager will hand the keys to me on the day i move in. So the day i move in he was nowhere to be found, doesnt answer the phone and doesnt reply through my texts. And thats when everything fell apart on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under RMP Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like the 3 Credit Bureaus : XXXX XXXX, TransUnion to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like the 3 Credit Bureaus : XXXX, Equifax, XXXX to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is the clam number : XXXX. Three ( i believe it was around XX/XX/XXXX ) months ago i had a sell phone fixed. The merchant claimed he repaired my phone. But phone was not repaired. I contacted my bank wellfargo an explained. I stated i wanted to stop payment cause merchant did not fix my phone. Women on phone from bank stated she would open a clam i stated i wanted to stop payment an get my money back. Women from bank stated its wrong a person shouldnt have to pay for a service they didnt get, an refunded my money. I assumed this was the last i had to worry about this. But XX/XX/XXXX i checked my account at XXXX XXXX an with out prior notice XXXX was taken out of my account. I tryed to explain to bank but was unable to speak to anyone in clams dept until XXXX. But when i finally spoke with some one from clams dept i was told merchant denied clam so i had to pay. An that she was done an i could try to speak to customer service. Upon speaking with customer for a 3 time, a supervisor i was told i was using money i didnt have, that wasnt mine. I tryed to explain if i would have been aware of the XXXX i could put money in my account so i would not have accured two XXXX dollar fees. I was ADVISED to put money in my account if i had any other charges coming so i wont have to pay more fees. I tryed to explain but i was treated as if i stole money!!!!!

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 2021-01-27 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: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
My concerns with Mr. Cooper and their unfair credit reporting processes. 

I paid my account within 30 days XXXX XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner.

My payment was reported late for 9 consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have never admitted to owing Westlake Finance over {$16000.00} because I DO NOT. I don't receive correspondences from them as I have been requesting since 2018 such as the contract proving that they do own my account and that I so call owe them the amount they claim I owe them. This account has destroyed my credit score as as a result of their poor handling with providing proof and substantial documentation. 
I have disputed this account numerous of times and the credit bureaus continues to say they have verified this account accurately which is not true and is a result of violating my rights as a consumer.

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 2021-01-27 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: FL

Complaint narrative:
some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.

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 2021-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've not received the XXXX AA miles after spending $ XXXX and have tried to contact them on several occasions. They said they needed the promo code but the physical mailer doesn't have a code ( see attached ). They also said that they don't see it in their system, however they did say on XX/XX/2021 that it would be deposited to my account within 5 business days. Confirmation XXXX On XX/XX/2021, I have been hung up on the last call to get this resolved while spending over an hour. The account XXXX doesn't respond or is helpful. I have seen other complaints of this happening before with other Citibusiness checking promos. This is not the first time.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi1, I contacted the company and transunion and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye XXXX rep was very rude and said to contact FTC and that they was not going to remove the hard inquires

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
No deposits have been made since XX/XX/2020. I cant log in, says my log in information is not correct. I know its not. My daughter had and still has the exact same problem and her card has never been loaded and she has been waiting seven months. Iowa workforce development has passed the buck to you. In essence I can not access my account in anyway or change passwords or do anything I am completely locked out and my card has not been loaded for nearly a month.

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 2021-01-27 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: BlueChip Financial
State: OH

Complaint narrative:
In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Automatically upgrading to premium checking @ XXXX dollars per month. Should be an opt-in not an opt-out which is buried in fine print. XXXX and ethically questionable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My mortgage loan was sold to NewRez LLC in XX/XX/XXXX. I have an escrow account to pay my property taxes and homeowners insurance premiums. My property taxes were due in XX/XX/XXXX, with penalties for delinquency if not paid before XX/XX/XXXX. On XX/XX/XXXX I contacted the mortgage company because the taxes had not been paid on my behalf. I was assured they would be paid on time. On XX/XX/XXXX I became aware the taxes had not been paid, although my mortgage statement reflected the amount due for taxes had been debited from my escrow account. 

Since XX/XX/XXXX ( day i learned taxes were delinquent ) I have tried to contact the mortgage company repeatedly, with calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally I emailed their customer service with a copy of the notice of delinquent status on my taxes from XXXX XXXX NC, which also reflected late fees that had been accrued so far. 

I have been unable to get any resolution, I continue to be given no date for resolution and just the same information I already have - that the amount had been taken out of my escrow account. 

I need help with this matter before the tax penalties continue to increase, a new penalty is due to be added on XX/XX/XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I started receiving phone calls from someone last summer claiming that I owe a debt for a pay-pal purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a pay-pal account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a XXXX XXXX XXXX XXXX. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XXXX XXXX, 2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a pay-pal account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying SYNCHRONY BANK, PAY-PAL CREDIT

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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
XXXX Called 2 family members asking for me and wanting information to contact me. 
I called and spoke to a woman named XXXX. She immediately asked my name, social security number and address. Did not state the reason why and could not tell me the amount or name of debtor. Wanted my credit card and bank information to pay a debt that isnt mine. She said she would send me a letter via email of the breakdown of the debt and nothing ever arrived. This company is calling my family and myself and it is harrassment for a debt I do not owe or the company fails to prove it is mine.

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center I wrote the exact same information to transunion conserning the same compalaint i am making today. 

-- -- On [ XX/XX/2020 or XX/XX/2020 XXXX I disputed an account reported XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXn the file you maintain under my Social Security number. 

I was informed on XXXX  XXXX and XXXX XXXX XXXXat the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

1. Requirements relating to reinsertion of previously deleted material 2. Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

-- -- - I have contacted this company and i have the othere two about the account that keeps coming back on to my credit report. thank you for reading this and i appretiate your help thank 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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation