vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
To : XXXX Re : Suttell & Hammer/ XXXX credit card account that is not mine XXXX I wish to make a complaint against a debt collector, Suttell & Hammer , who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. XXXX had claimed they issued a card to a person with the same first name, but a different last name than me, and now XXXX and the company they sold the debt to, Suttell & Hammer, claim that this account is mine. 

This identity theft XXXX  account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to XX/XX/XXXX, Suttell & Hammer, and the CRAs XXXX, XXXX, and XXXX. 

I do not have an account, nor have I ever maintained an account with XXXX. 

XXXX claims that the account was opened via an internet application we received on XX/XX/2016. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. Suttell & Hammer and XXXX refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both Suttell & Hammer and XXXX in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and Suttell & Hammer continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for Suttell & Hammer to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that XXXX be compelled to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on Experian is XXXX, on XXXX  is XXXX, and on XXXX  XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have never had a XXXX account in my name, this is not my debt. My husband has XXXX  in his name and the account is in good standing. If there was a debt owed prior to 2016 we declared bankruptcy and that would have been included then

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 2020-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I submitted a Goodwill letter to Capital One asking for a courtesy removal of late fees from my credit report. Capital One responded in a letter dated XX/XX/2020 stating due to the Fair Credit Reporting Act, they could not honor my request. This is not true, the Fair Credit Reporting Act does not prevent them from honoring my request. Stating that the Fair Credit Reporting Act is the reason my request could not be honored is misleading and in my opinion an improper disservice to me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is to file a complaint regarding a fraud with Chase QuickPay  where I lost {$850.00} on XX/XX/2020. 

For more than a year, I have been sending money from my Chase checking account to my daughter 's Chase checking account via Chase QuickPay Service on the Chase.com website. My daughter has been using her personal mobile phone number to register with Chase Quickpay. On XX/XX/XXXX I scheduled a recurring transaction to pay {$850.00} every month to my daughter via Chase Quickpay on Chase.com. The first transaction was scheduled to happen on XX/XX/XXXX. My daughter did not receive the money. When we followed up on XX/XX/XXXX, we learned that someone de-registered my daughter 's phone number from her Chase Quickpay on XX/XX/XXXX and linked it with a XXXX XXXX  checking account. So the money apparently went into the XXXX XXXX  checking account. This is either a mistake by Chase Quickpay ( service provided by XXXX ) or it is a fraud. My daughter did not authorize de-registering her phone number from Chase account and linking it with another account. My daughter does not have an account with XXXX XXXX  either. On XX/XX/XXXX, my daughter had possession of her phone for the whole day and no one else had access to her phone on the day. 

We promptly registered a claim with Chase ( claim # XXXX XXXX, but chase  declined to investigate the fraud and closed the case saying XXXX told them that the transaction happened as scheduled. But it was evident that the transaction did not happen as scheduled and my daughter did not receive the money. 

Upon escalating further, the case was re-opened three times, but every time Chase closed the case blaming XXXX for the error. Chase asked me to follow up with XXXX to get my money back. Chase representative gave me a XXXX claim number XXXX that Chase opened with XXXX through their back office. 

XXXX declined to register a claim for this or to follow up on the issue saying that I am not a XXXX customer and I need to work with Chase to resolve this. 

Both Chase and XXXX declined to own this issue and I was basically told that I lost the money and they can not do anything further on this. 

I registered a police complaint to further investigate this fraud ( case # XXXX XXXX, IL ) and the police detective suggested raising a complaint on CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I send out a dispute letter to all there credit bureau XX/XX/XXXX Equifax, and XX/XX/XXXXto verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I send out a dispute letter to all there credit bureau XX/XX/XXXX, XX/XX/XXXX and Experian to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage company and servicer (XX/XX/XXXX/Shellpoint ) continues to send me letters threatening foreclosure, that my loan is in default, demanding profit/Loss and Dodd-Frank paperwork, placing me under Loss Mitigation status despite my being protected by Covid-19 hardship mortgage relief since XXXX ( CFPB case # XXXX ). XX/XX/XXXX/NewRez switched me to another mortgage servicer on XX/XX/XXXX, just Prior to my requesting an additional 180-day extension as provided by the CARES Act. Despite my sending multiple requests for extension via email XXXX XX/XX/XXXX and XX/XX/XXXX ) and fax ( sent XX/XX/XXXX ), the threats continued as they pretended to not receive them because I didnt use their online portal which binds you to their limited repayment options. After receiving foreclosure threat viaXX/XX/XXXX I called and spoke to an agent who confirmed my Covid relief had been extended through XXXX and to call back then. Yet the threats continue ; they say I must keep in contact while under Loss Mitigaton, yet when I call they have no agents available because of Covid. So they have ramifications from Covid but their customers dont? NewRez also erroneously claimed ( in a letter dating XX/XX/XXXX ccing CFPB ) that my mortgage is not federally backed and not eligible for relief under the Cares Act.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX My Loan Care XXXX XXXX has been notified on multiple occasions and for several weeks that the payoff balance provided and money they collected was incorrect. They have blatantly ignored addressing this matter and providing a refund. The following has been sent to them via mail and email multiple times and they refuse to respond at all. 

" I am owed a refund. Please view the table below and adjust my payoff amount and provide a refund, as per the payment history details. Loan was current through the end of XX/XX/2020. Principal Balance was {$440000.00}. Five months of payments in the amount of {$2400.00} per month were deferred for the months of XX/XX/XXXX-XX/XX/XXXX for a total of {$12000.00}. In addition to the remaining escrow balance for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX In the amount of {$54.00} and new escrow charges for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$280.00}. Total Deferred amount {$12000.00} ( 5 monthly payments + All Escrow fees ). In addition to original principal balance of {$440000.00}. 57, which Brings the FINAL PRINCIPAL BALANCE {$450000.00} from XX/XX/XXXX-XX/XX/XXXX.

I since made 5 payments in the amount of {$12000.00} which should have been applied to XXXX payment ( {$600.00} Principal + {$1800.00} XXXX XXXX and XXXX monthly payment XXXX {$600.00} Principal + {$1800.00} XXXX XXXX in the amount of {$4800.00}. 68 ( {$1200.00} principal + {$3600.00} XXXX ). BRINGING PRINCIPAL BALANCE TO {$450000.00}. XXXX ( {$450000.00} - {$1200.00}. The remaining payment balance in the amount of {$7400.00} ( $ XXXX {$4800.00} ) should have ALL been applied to the principal balance ( Per my specific request to pay down principal balance prior to refinance going into effect in XX/XX/2020. ) BRINGING FINAL TOTAL PRINCIPAL BALANCE AND PAY OFF {$440000.00} ( $ XXXX {$7500.00} ). Minus Remaining Escrow payment made ( rolled into deferral amount that was back charged ) for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$210.00}. BRINGING THE CORRECT FINAL PRINCIPAL BALANCE AND CORRECT PAYOFF AMOUNT TO {$440000.00}. 

Pay off payment made on XX/XX/2020 in the amount of {$440000.00} ( {$430000.00} + {$12000.00} ). Refund balance owed to customer in the amount of {$2800.00} ( {$440000.00} - {$440000.00} ). 

***Please make check in the amount of {$2800.00} payable to XXXX XXXX and overnight mail to the following address : The XXXX : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX , CA, 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 2020-12-02 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:
DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXX WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.

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 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. 

This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. 

I do not have an account, nor have I ever maintained an account with Discover. 

Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found out that AWA COLLECTION/ ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and wrote back on XX/XX/XXXX. The AWA Collection has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges.

2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 
3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 
4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 
5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of {$1000.00}. 
Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service. 
Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.

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 2020-12-02 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: FL

Complaint narrative:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XX/XX/XXXXto verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXX is XXXX, onXX/XX/XXXXis XXXX, and on TransUnion XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

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