vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My complaint is against Equifax and their failure to adhere to Federal guidelines regarding the accurate and fair reporting of collection attempts and credit related information. Their failure to adhere to Federal guidelines has caused me great harm, preventing me from purchasing a home. I received a collection notice attempt an attorney ( see document packet attachment ). I responded to the collection attempt asking for proof. The document furnished to me by the attorneys office as proof of debt ownership had been altered. Their document omitted the critical " lease end '' dates that will show our lease was month to month and we had submitted a " Notice to Vacate '' 30 days prior to moving-fulfilling our lease requirements of a " 20 day notice to vacate ''. This would have proven our claim that the debt is malicious, false and illegal. I have included a packet of the entire correspondence. I sent a similar packet contesting the validity and legality of the collection to all three credit bureaus. After a full investigation into my claims both XXXX and XXXX credit bureaus have removed the XXXX XXXX collection and the XXXX XXXX collections from my credit profiles. Both of my XXXX and XXXX credit profiles are CLEAR of ANY collections, yet Equifax illegally retains false, and in the case of the XXXX XXXX debt collections, illegal collection attempts. Please note that Washington State and Congress ruled it illegal for insurance companies to blind side and bill patients for " out-of-network '' doctor bills/fees. This is the case with the XXXX XXXX collection attempts over the years. Equifax refuses to acknowledge these false debts and remove them, where as the other credit bureaus have. Again, I have included a packet of all relevant documents proving my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have 2 Chase Credit cards that have always been paid on time. In an attempt to get my house refinanced I paid down my credit cards to get my credit utilization percentage lower, so my credit score would go up. 

After making payments of XXXX they lowered my credit limit by the amount I paid. This caused my credit utilization to balloon to almost 100 % crushing my credit score and now I cant refinance. 

Credit card companies lowering credit limits and the impact utilization has on peoples credit is a crushing combination. This disproportionately affects the people who cant afford to pay down their balance which in turn affects the credit score making things more expensive. Ultimately this will increase defaults and push more people into poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOEXXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXXXXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
Approximately 2 years ago, I was no longer under contract with XXXX. I had period of over 30 days that I had no internet service, XXXX claiming they had " local equipment issues ''. They promised me a credit, then did not issue it. Based upon the fact that they had not delivered the service I had paid for, and were not sure they could continue to offer the service, I switched providers. 

XXXX falsely claimed I was under contract. I produced documents that proved I was no longer under contract and could cancel. I also produced notes about the credit that was promised and never issued. 

XXXX placed me with a collection agency. I disputed it and provided the same information. That collection agency removed me due to the fact XXXX could not substantiate and I had evidence XXXX placed the debt a second time with a second agency, MRS . This is now a second placement of an approximately 2 year old false claim. It is unreasonable to expect me to hold onto documents indefinitely and have to provide them over and over again to random collection agencies MRS has also added a mysterious additional charge of {$200.00} for no reason. I have already disputed this and told them I require verification if they intend to pursue this. MRS has NOT answered me. 

XXXX can not charge me for a service they failed to provide me, especially a service I had already paid for. They may think submitting the debt numerous times to various different collection agencies will result in some money, but I am not going to fall for this unethical and probably illegal tactic. 

This alleged debt is absurd, I owe NOTHING and I want it removed once and for all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2020-09-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was Chase, I had gap insurance with them as well and my insurance company was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Made an International Wire from JP Morgan Chase Business Banking to go to the XXXX XXXX XXXX XXXX XXXX XXXX   bank acocunt in XXXX. The wire was debited on our account. When I went into the Chase Branch I was told that our accounts had been suspended and they were unable to give an answer as to why. At this point, I was issued a cashiers check for the remaining balance in the account but it did not include the wire that our vendor in XXXX never received. 

DATE OF TRANSACTION : XXXX XXXX AMOUNT : {$16000.00} USD THIS TRANSACTION WAS DONE IN THE CHASE BRANCH BY A PRIVATE CLIENT BANKER. 

It is my understanding that because of Covid-19 the Chase Wire Research Department is not open, and there is no further assistants they could provide at any level. 

What is the next step in getting a refund for the wire that was never received or how to track it down to get to our vendor? 

Thanks so much for your assistant and advice on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
i used to have my weekly paycheck direct deposited to FNB of PA approximately {$2000.00} ... from which i pay my monthly bills. In XXXX and XXXX of this year the bank paid only half of my bills and declared my account closed. returning the checks and not paying the bill was only part of the troubles ... they didnt return my money. youd think that at least with the account closed my money would be there.and not only that, all the bills nit paid charged me late fees and it dinged my credit ... please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Chrysler Capital was paid on XX/XX/2020 for the full payoff of the lease. They refuse to close out the account, which is causing my credit bureau to show an open auto loan. My wife is not able to purchase a vehicle because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America has consistently charged my checking account overdraft fees that are fraudulent and frivolous. Each time I have attempted to resolve the issue it resulted in a refund. However, this time they consistently put a POS Reversal on my account. Each time the POS Reversal appears it resolves itself as if it never occurred. The POS Reversal results in my account appearing to be over drawn. A few hours later my account is positive and the POS Reversals are no longer on the account. 

Secondly, the overdraft charges I received on XX/XX/2020 were erroneous. I called the bank to complain and was told they would not refund my money. I advised the manager that I wanted her to increase my daily withdrawal limit to {$1500.00} so that I could withdraw all of my money and then take my business to another bank. The manager blocked my atm card and disconnected my call. I was stuck in traffic, had no gas and needed access to my funds. These charges and more have caused my accounts to consistently overdraft. I was also advised by customer service that banks do not process over the weekend and my charges from XX/XX/XXXX through XX/XX/2020 did not process until XX/XX/2020. This resulted in my account appearing negative. I transferred {$100.00} from my savings account to the checking account on XX/XX/2020 and an additional {$200.00} was deposited to my checking account on XX/XX/2020. Bank of America received a total of {$300.00} to my account between XX/XX/2020 and XX/XX/2020. There is no reason why my account over drafted and no justifications for the over draft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
For the past 3yrs have been contacted several times daily by portfolio recovery for debt of someone else with same name. Notified them of this and that this person may have lived in XXXX XXXX XXXX, FL and may now be deceased. Said person 's accounts were handled by someone other than herself. I am in no way related to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: OK

Complaint narrative:
XXXX/XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the  company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. 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 2020-09-01 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: OK

Complaint narrative:
XXXX  continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: OK

Complaint narrative:
XXXX continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. 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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
on XX/XX/XXXX I made a deposit at a td bank branch atm of XXXX. The atm took my money which was two XXXX XXXX dollar bills then an error code came up on screen saying unable to process bulk deposits, gave me back my card, and not my money and then screen cleared. I immediately called td bank while there and they said they are filling a dispute and I should receive my funds in 3 business days. on the XXXX there was still no funds returned so I called again and was told that the claim on the XXXX was not done properly and they would have file another claim. now it is XX/XX/XXXX and I was told it has not been looked at still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
On XX/XX/2020, I went to check my credit report before applying for a new apartment since I was interested in moving to a new location a much larger place for my family and I. when I noticed a collection item on my credit report, I had no idea who the agency was so I tried to contact them, according to ( VANCEHUFFMAN ) the collection agency. I had a balance of {$730.00} I asked what was this balance for they stated they couldn't share the information and they had to send me details by mail, which in turn they stated an address that was not mine by any means. I brought that to their attention and immediately they asked for my current address which I refused to give to someone I don't even know and never the less to someone who can't even validate my name, address, or even ssn. I proceeded to ask them to email me the following proof of the debt owed, a signed contract by me, proof of my identity which I asked for my id, and ssn, and I also asked for proof of address which I already knew they had an address I never lived in. They refused to email me any of the required documents they stated they contact the credit bureaus to have the item removed and it was not removed. This is defamation of character I can not get approved for a home or an apartment due to this matter. I will like this inaccurate item removed from my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
For the second time in two months, USAA/XXXX  has failed to appropriately apply my payments. I made a payment on XX/XX/XXXX, using the USAA/XXXX  system, which ONLY allows me to make the current payment and either pay into additional principal or pay into additional escrow. I paid {$640.00} for the current mortgage payment and an additional principal payment ( CLEARLY MARKED IN THEIR SYSTEM ) of {$640.00}. FOR THE SECOND TIME IN AS MANY MONTHS, the mortgage company illegally applied the funds as an additional monthly payment, pretending NOT to understand what is meant ( in their own system ) by " Additional Principal ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: IL

Complaint narrative:
There is a class action settlement for the company that I had a loan with ( https : //www.awlsettlement.com/ ), they must have given my information to a collection agency. 
Alliant Capital Management LLC : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX - Toll Free : XXXX Fax : XXXX www.alliantcapital.net They are also calling my cell phone XXXX

Company response to consumer: Closed with explanation