vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My chase checking account was closed by chase at XXXX. Chase didn't provide me any reason or information about why my account by closed. They hold all of my money until now XXXX, I have to borrow money to pay my rent and living. I call the chase service number every week, I call them more than 20 times, and everytime they give me the same answer " back office still review your account, after they finished review your account then deicide whether they decide to release your fund. They not gon na tell you when they will finished review ''. And I also visit Chase branch for 4 times, they can't help me anyway. This has made my life very difficult and even made me afraid to open a account in any bank, because once you put your moeny in, you have no right to have your money! 

I feel like chase a bank acting is bullying the consumer, you can't fight with a bank and they don't give you any reason why they don't give you your money back. Such behavior is simply bullying consumers. I need CFPB give me some help please. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TRANSWORLD SYSTEMS INC had purchased a debt from XXXX XXXX XXXX CO and is now attempting to hold me liable. 
I do not have any contract with TRANSWORLD SYSTEMS I and no obligation to pay, offset or discharge any debts not owed to them. 
I've asked for the Original contract with wet ink signature identifying the liable party making a claim that I owe a debt ( to them ) yet I have not received anything. 
This has negatively impacted my credit score. 
The amount of {$86.00} is attempting to be collected from a man but no other wo/man has identified themselves as the owed party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Hello, the debt is being reported from Jefferson Capital Systems which was sold as a debt from XXXX XXXX for {$54.00}. They said that XXXX charged it off back in XXXX of XXXX and they received the account in XXXX to send me a letter in XXXX to an address I haven't lived at in 4-5 years. I contacted them today XX/XX/XXXX to dispute it with them because my number was ported out with XXXX and in order to port out the account balance must XXXX, and also the fact that I was not contacted about anything owed in all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I have been working with XXXX XXXX XXXX HUD Certified Housing Counselor since XX/XX/XXXX. I have also applied for the State of Minnesota 's HAF program. Since I started with this process, my loan servicer changed from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. While I was with XXXX XXXX, the State 's HAF program representatives were able to communicate with them to get the information they needed to help me catch up to be current on my loan. When I was switched to Shellpoint Mortgage Servicing HAF sent a request for information and was told that I did not have rights to authorize this request stating " Owner Deceased ''. This mortgage loan was taken out by my late wife who passed away in XXXX. I had supplied the necessary documents to the Loan Servicer at the time. On XX/XX/XXXX my Housing Counselor emailed Shellpoint Mortgage a copy of the Certificate of Examiner of Titles. My Housing Counselor called Shellpoint on XX/XX/XXXX to confirm they had received it. She was told that yes they had. We then asked that HAF resend the request. They were again denied due to XXXX XXXX. Today I called Shellpoint with my Housing Counselor and was told that they did not see the document. Shortly afterwards the representative saw the email and the document. She stated she would send it to Loan Servicing and that in 3-5 days we were to call to confirm they had received it and to find out if this document was sufficient to show I have the rights of survivorship. If they had approved it, we were told to ask that an email be sent to the department who handles HAF stating that this was approved. We were told that we would need to call again to confirm that department has the document. Once we know that the HAF department at Shellpoint has this document we were told to ask the representative to ask Shellpoint to reach out to the State of Minnesota 's HAF program or for us to contact the states HAF program and ask them to resend it. We were told that depending on who we spoke with they may or may not be able to assist us with this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
I am writing to file a dispute against Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX Acct # XXXX & XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: OR

Complaint narrative:
After sending out multiple letters to the credit reporting agencies and then calling to follow up with my XXXX report sent to Transunion with all the required documentation, Transunion has continued to violate my rights as a consumer, per 15 USC 1681c - 2 ( a ) The CRA is REQUIRED to block any of the information on the report and or file of the consumer if the consumer identified the information as a result of an alleged identity theft within 4 business days after the receipt of the identity theft report and required accompanied documents. Every single time I have called to follow up the person tells me they can not remove the accounts even after stating my federally protected rights to them. They send me on a wild goose chase connecting me to supervisor after supervisor who says the same thing as the previous. TRANSUNION has also violated 15 USC 1681b ( a ) ( 2 ) ALL CRA 's need your written instruction/permission to furnish anything on your consumer credit report. Which I have not given and they continue to argue against the law and report these fraudulent accounts on my credit report and file due to the CRA 's lack of professionalism and honesty in reporting. My rights are being violated and this needs to stop immediately!

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 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I had IC system place a debt on my credit on behalf of XXXX XXXX XXXX XXXX on XX/XX/2023 in the amount {$2600.00}. 

I called IC system few times explaining them that the debt is not mines as I never signed the retainer with the law firm. My dad signed for the Financial responsibility and I was helping my dad through the process because of XXXX XXXX. 

IC system told me early XXXX that they would investigate the matter and get back with me. They never did and just went ahead and filed it on my report hurting my credit. 

I have no option other than waiting around because everyone tells me that this is going to take 30-60 days to get a response. I do not understand how they have are the right to ding peoples credit without having all the information.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I booked a flight on Capital One Travel Portal using my Capital One VentureX credit card in XXXX on XXXX XXXX for XXXX XXXX The tickets were booked on XXXX/XXXX/2022 and had to be cancelled on XXXX/XXXX/2022 due to my gf getting XXXX. At this point, the Capital One Travel Portal said I got a credit for XXXX XXXX 

Currently, I am trying to rebook the flight using my credits in their portal. The portal clearly states that I have a credit of XXXX $ with following information listed as banner on booking site. 

" Your travel credit is worth US {$230.00}. There are no rebooking fees for this trip. '' Please note that it clearly states that there are no rebooking fees. Once I selected the flight, the fare on selected flight was XXXX $ over the flight ticket price on XXXX and other portals where I can purchase the ticket. I called the customer care to price match the fare, since that's one of the benefits of Capital One Travel Portal. However, I was refused to price match stating that the XXXX $ is actually rebooking fees for using my travel credit. 

I feel this is unfair and unethical approach in dealing with travel cancellation where informations are not shared upfront but adding hidden charges to the customer. Even while rebooking the ticket, at no place they state the XXXX $ rebooking fee instead have implicitly increased the cost of base fare on the XXXX XXXX. 

I am attaching the screen shots of my travel credit, portal banner where it says there is no rebooking fees, final price summary where base fare is XXXX $ over XXXX pricing. The customer care claimed this XXXX $ is rebooking fee. This is clearly unfair and unethical business practices using hidden fees and charging them as part of base fare

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Portfolio recovery account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX New American- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I received a Loan Modification with Partial Claim on XX/XX/XXXX from XXXX Bank. My new terms were payment of PITI {$2500.00} with 5.125 % interest rate term of 480 months with Maturity date XXXX/XXXX/XXXX. There was a Quit Claim Deed removing my ex-husband from the deed. I signed the modification agreement which only had my name, returned it to XXXX and it was executed by them. I received a copy of the executed document back. My first payment was made to XXXX on XX/XX/XXXX with the amount of {$2500.00}. Shortly after that, I received notice that the loan was transferred to Mr. CooperXXXX in XXXX the following payments of XXXX & XXXX were made to and accepted by Mr. Cooper. Then in XXXX & XXXX they did not accept my payments. I was at that time informed that there was an issue with XXXX not giving the entire agreement to Mr. Cooper. I was previously working with a housing counseling agency XXXX XXXX XXXX XXXX ( XXXX ), so I turned to them again for assistance with this matter. So, on XX/XX/XXXX, XXXX XXXX from XXXX reached out to Mr. Cooper & was informed by the rep XXXX, that the modification agreement signed by XXXX had an error. At which time she advised that the Executed Modification Agreement should be honored, and I was conferenced on the call to make both XXXX & XXXX payments which I did right then & received a confirmation number. I also set up an automatic payment for the month of XXXX which on XX/XX/XXXX, the payment was withdrawn from my checking account. Thinking everything was settled, I felt all was back on track. When I went to make my XX/XX/XXXX, it was not accepted. Since then, XXXX XXXX ( XXXX ) & I have escalated the issue with Mr. Cooper and working with XXXX at the escalation dept. We were now informed by Mr. Cooper the issue was that my ex-husband 's name was not on the XXXXXXXX  Executed Modification Agreement and that his name needed to be on there. So, they were going to re-issue the agreement to include his name ; however, when I received the documents with my ex-husband 's name now, there was only a Partial claim, the Loan Modification portion was missing. We also noticed the maturity date and the amount of partial claim amount were different from XXXX. This was brought to the attention of XXXX XXXX escalation team ) and we are still awaiting a response. I have spent XXXX, XXXX XXXX and XXXX trying to resolve this issue. Numerous phone calls were made by XXXX XXXX and myself to have this issue resolved and thus far still won't accept my XXXX & XXXX payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.

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