vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received two credit card inquiries  from banks ( XXXX XXXX and JP Morgan Chase ) that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Sent letters to dispute the validity of the XXXX negative account being reported to the credit bureaus on XXXX, XXXX and XXXX. I have not recieved a response from XXXX regarding the dispute letters, which confirms that you did not investigate my dispute. I also have obtained a recent copy of my credit report that proves your failure to report the account as disputed which further proves you did not investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Ernst, Ernst & Artmann, Inc.
State: AZ

Complaint narrative:
They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX Group Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$2300.00} Acct # XXXX Collection Agency : XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} Acct # XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/2020 I sent certified letters of dispute to all 3 credit bureaus in reference to my accounts being reported differently to all three bureaus on several accounts. I included screenshots showing evidence of this. Rather than them deleting these accounts that were reported wrong, I got responses such as remains or updated. How could you simply " update '' something that was reported wrong in multiple places? If they were all different, who is to say which is correct? It doesn't seem right. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Due to COVID Financial hardship, on or about XX/XX/XXXX, I applied and was approved by PHH for a 180 day forbearance as provided by the CARES ACT. I have attached a copy of PHH website page which contained the forbearance option along with the form. 
Still having financial hardship due to COVID and under the CARES ACT, I submitted an 180 days forbearance extension to which PHH denied my extension request - without any detailed written explanation as called out by Tenant, Homeowner & Small Landlord Relief and Stabilization Act of XXXX ( AB 3088 ) nor was I given my right to an appeal of said denial as called out by AB 3088. Instead I was thrown into a foreclosure trustee 's sale date of XX/XX/XXXX - the most darkest time of pandemic. PHH 's action will cause me and my family irreparable harm as if XX/XX/XXXX happens we will be homeless and exposed a to COVID related hospitalization and possible death. 

Pursuant to the extended California Homeowners Bill of Rights, I was never by PHH contacted to discuss possible foreclosure alternatives. 

PHH has continued to act above the law and trample by legal rights as a homeowner. In addition to the above listed unlawful activities, PHH as also violated state law and committed unfair and deceptive practices by charging me for unnecessary fees and overpriced force placed property insurance. Charging inflated and duplicative fees and not responding to fee disputes and/or a written accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: SC

Complaint narrative:
I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

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 2021-01-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

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 2021-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-12 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: TX

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
We have a case pending with USAA and they are going after the identity theft and fraud for a car loan and credit card debt that happened to me XXXX XXXX and my Father XXXX XXXX under the same USAA account USAA had told us that it would be to take enough or credit and taking the care of a year or more ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: TX

Complaint narrative:
My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.

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 2021-01-12 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: TX

Complaint narrative:
My Identity was stolen and accounts and vehicles were purchased. The vehicle was purchase in 2017 for approximately {$85000.00}. XXXX I contacted the credit bureaus and Credit Union concerning Fraud they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX, please send me proof of permissible permission used for fraudulent loan dated XXXX, loan # XXXX to myself and Transunion and XXXX. You have refused for 4 years to comply. I will stop complaining when you comply and send copy of credit report used together with the permissible permission. I am including Transunion and 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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc
State: MD

Complaint narrative:
The XXXX insurance was supposed to be billed and they insurance never got any bill. It belongs to my children who were XXXX at the time. They are kids and its not my account. I have called them that insurance said they have to reach back out to them. Which they refused to do so. And said they going to put on my 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 explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was going to NY. to take care of some business from XXXX XXXX at the XXXX XXXX XXXX at XXXX XXXX XXXX NY. XXXX # XXXX confirmation # XXXX in which i booked through XXXX. On XX/XX/2020 i received a call from the hotel stating they had to relocated the guess in the hotel for that week to do some cleaning and i also email from XXXX XXXX  XXXX on XX/XX/2020 stating i was being relocated to another hotel. the XXXX XXXX XXXX in XXXX XXXX..once i arrived to the hotel the desk clerk took my credit card and charged me for the hotel stay.. not until I received my bill did I see that XXXX Charged my credit card for the prior hotel.. I called Capital One ( my credit card ) and explained what was told to me by the Hotel was closed for that week and I couldn't stay there.. Capital one gave me a phone number to call in which i did and got no one on the other line..I called them back and they gave me another number to call in which I did and that person gave me a Fax number to fax the documentation and the fax number never work. I again call the person back she gave me the same Fax number and again it never worked..the customer service rep.. states she could do no more than that.. i aske to speak to a Sup. and got the same info that did work..i then contacted the XXXX.. the hotel then contacted me by email confirming they were closed during that week and i had to speak to my Credit card company, XXXX  i contacted both and got no results..The Charges are still on my Credit Card Statement..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance
State: MS

Complaint narrative:
After looking over my credit reports. I realize that this company American Student Assistance is reporting this debt on my credit report. This debt is defaming my character, ruining my life, ruining my credit profile, they are harrassing me which is a violation according 15 USC 1692 a.b.c.d. I have attached my SSC AND ID

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had purchased flights with capital one credit card in XX/XX/2019, the trip was cancelled due to COVID-19 and I have been working to receive a refund from the airline carrier. I finally recieved the refund back to the same credit card I used on initial transaction and I want the full refund sent back to me as a check ; well, capital one used half of the funds to pay the account balance on the credit card, which is for my business account when i need the full refund from the flights so my account are not commingling. I requested to have the full refund sent to me and Capital one says they are not able to do so, even after I offered to pay the account balance on the credit card with another form of payment, not from my returned credit refund. 
Horrible customer service and it seems illegal they can keep my funds to pay for their account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, my father is XXXX XXXX XXXX. Portfolio Recovery Associates is continuing to report an item on my credit report ( s ) to XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXthat is not mine. I have never opened an account with XXXX XX/XX/XXXXor Portfolio Recovery Associates. I have made several written disputes with Portfolio Recovery Associates and XXXXXX/XX/XXXX under Section 609 of The Fair Credit Reporting Act which requires both of them to produce specific items, including but not limited to authorization to pull credit reports and copies of contracts and/or agreements. As of the submission of this complaint neither XXXXXX/XX/XXXX nor Portfolio Recovery Associates has complied with my request in violation of Section 609 of The Fair Credit Reporting Act. I am once again attaching specific notices under Section 609 FCRA that REQUIRES XXXXXX/XX/XXXX and Portfolio Recovery Associates to comply with. They can not comply with this notice under Section 609 FCRA because I did not have an account or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Capital Accounts, LLC
State: TX

Complaint narrative:
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.

Company response to consumer: Closed with explanation