vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX, Chief Executive Officer JP Morgan Chase Cooperate Offices XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XX/XX/2021 Mr. XXXX, I am writing to you in hopes that you will be able to assist me in a fraud matter that took place on XX/XX/2021 with JP Morgan Chase Bank. On XX/XX/2021 at approximately XXXX, I received a call on my cellular phone from Chase Bank Fraud Protection Services . The person calling identified himself as XXXX XXXX, an employee of Chase Bank Fraud Protection. He informed me that Chase Bank had recognized someone in California by the name of XXXX XXXX was trying to remove/transfer {$5000.00} from my business account. He asked if this was an authorized transfer. The Chase employee was able to verify all my personal banking information. I responded to him that I was not trying to transfer this money. He went on the explain that in order to stop the transaction in progress I would need to XXXX the {$5000.00} from my business account into my personal checking account. During the process, the identified Chase employee sent me text messages with verification code. He told me the codes were used to verify my identity and help expedite the fraud prevention process. 
After I had completed all the steps he asked me to do and the phone call ended, I noticed the money was not deposited in my personal checking account. 
Once I realized that this had been a scam, I immediately called Chase Bank claims department on XX/XX/2021 at approximately XXXX. EST. I explained exactly what had occurred and told the Chase employee I could send them all the necessary text messages. I was told an investigation would be opened to further look into the matter and the {$500000.00} was temporarily placed back into my business account. 
After 6 days or so, Chase Bank informed me that my claim was denied because the money was sent to myself using XXXX. They further explain the justification of the denial was that I had used XXXX prior to this to send money to myself.

I requested at that time for the investigation not to be closed and to look further into this situation. Chase Bank declined by request and said the money was gone. I have been with Chase Bank for several years and the poor customer service and lack of an investigation is very discouraging. I have 2 accounts and any money transferred was always between those 2 accounts.

I have several supporting documents including, call logs, text messages and a police report. I am asking that this matter be re-investigated so that I can receive my funds back and whoever is responsible for this scam will be caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
Your website questionnaire is flawed. It does not have an option for breaking confidentiality. 

I received a text message from XXXX at XXXX Monday XXXX XX/XX/2021 stating : XXXX XXXX We have an important message for you from XXXX. This communication is from a licensed bill collector. Please call us at XXXX. 

As can be seen, anyone could see that this is a debt collection real or faked. Also my phone is set to speak txt messages due to poor eyesight. If I was in public, at work, with friends or family or conducting a business meeting then the others present would hear a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
To Whom It May Concern, The reason for my complaint. There were two unauthorized accounts opened under my name : a savings account and a checking account. When I realized I was a victim of identity theft, I contacted Wells Fargo Bank on XX/XX/2021. I opened a Identity Theft Report with the Federal Trade Commission, following their instruction, I contacted Wells Fargo asking them to immediately close the accounts and provide me with a letter exempting me from any responsibilities or charges inquired by the accounts. As of today, Wells Fargo has yet to close the accounts nor provide me with the letter although they told me the investigation was complete, in my favor and they were going to send me the letter stating I was exempt from any charges.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OK

Complaint narrative:
I am trying to get my escrow to pay insurance. They are refusing to pay for insurance and trying to force place insurance on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I have been applying for mortgage assistance with SPS since XXXX of XXXX when my whole family came down with XXXX XXXX. Myself and my other children recovered but my son XXXX age XXXX still continued to have shortness of breath and difficulties breathing due to XXXX. I used up all my funds to take him by XXXX to the Doctors for treatment, this went on for months. I advised SPS during this time of my hardship but only insisted I come up with the past due payments or foreclosure be my only option. 


XXXX xt XXXX On XX/XX/XXXX I submitted for modification assistance and on XX/XX/XXXX SPS stated they received the complete package for review. The File was received on Friday XX/XX/XXXX and denied Tuesday XXXX with this quick decision SPS never gave me a proper review for assistance and set a sale date while I was in review rep XXXX was not informable and when I requested a supervisor she hung up on me. I requested a copy of the denial letter but I have not received it. SPS has not helped me during these difficult XXXX XXXX times. 

I am asking CFPB to investigate into this matter I feel SPS are in violation of Dual Tracking laws an, Negligence and Failure to properly perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX I sent a letter to Experian asking incorrect reported items on my credit report to be reviewed and corrected and have not received any communication in over 30 days. FCRA says a response must be made within 30 days.

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 2021-09-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Filed a dispute in regards to the incorrect items on my credit report and it has been over 30days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
They have 14 different alleged accounts listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Identity Theft! The information that has been provided by the company who purchased this debt does not reflect to be true. Therefore this must be a case of ID Theft. Furthermore, Midland Credit Management from their own admission is not the original creditor and would have any contractual agreements that showcases any obligation that I would have if this was not a case of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is account on my name that is not mine, I tried contacting the creditor, they told me there is no account matching my social security number. The company is called XXXX XXXX XXXX This information was reported by Equifax, this information is incorrect and it's not mine. 

XXXX XXXX Report XXXX : XX/XX/XXXX Reported Balance {$76.00} Credit Limit {$200.00} Account Status PAYS_AS_AGREED Owner Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 22 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$76.00} Credit Limit {$200.00} High Credit {$190.00} Available Credit {$120.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND FUNDING would verify the debt. So I took it upon myself to ask MIDLAND FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
Prosper Loan Inc. called me on XX/XX/13 at XXXX XXXX  to let me know I was approved for an {$8000.00} loan. I never applied for a loan with them but was a victim of identity theft. Then they began to repeatedly text message me. I have received XXXX text messages since the first call and have requested they stop all contact with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
On XX/XX/2021 I Hack on my phone stolen and on my phone what is my virtual card they the person that went into my phone took everything from my bank account my checking account I noticed that my sons was getting low so I called Wells Fargo bank and talk them them about the fraud they then put a claimOn the fraud and they said I had 10 business days to see if I get my money back well 10 business days went past and Ally got half of my not even half of my money back and they said the rest of the debit card charges well I didnt have my card with me and my phone had my debit card numbers and all that on there so they denied me I called the bank and they told me that that it was final trip there was nothing I could do about it so Im reaching out to the consumer finance Because I do not know what to do please help

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 2021-09-13 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: MD

Complaint narrative:
I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: MD

Complaint narrative:
I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation