vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank seized my XXXX federal tax refund to satisfy an old debt from a closed checking account. The amount taken was based on a debt of {$1000.00}, which I just recently received a report for. 

The original charges that caused the negative balance happened almost XXXX years ago. However, the financial harm the XXXX of my tax refund just occurred now, in XX/XX/XXXX. I was never properly notified of the debt, nor was I given any opportunity to dispute it before Chase took my tax refund. 

I contacted Chase Customer Service on XX/XX/XXXX. During that call, I was not informed about any existing debt or the possibility of an offset. I was told that I would be getting my tax refund back, which was not true. 

Later, on XX/XX/XXXX, I contacted Chase again and was told that because the charges were more than XXXX years old, they could not help me or open a dispute. They repeatedly refused to investigate, even though the financial impact just happened this year. 

I requested a breakdown of the charges and proof of proper notice. I have not received sufficient documentation supporting Chases actions. 

I am requesting : A full validation of the {$1000.00} debt, A refund of the seized tax refund amount, And a review of whether Chase followed proper legal procedures regarding notice and dispute rights. 

Account information for identification : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX Closed Account Number : XXXX Routing Number : XXXX Account Type : Checking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to deposit {$9900.00} in cash via ATM today of XX/XX/year> because today was Monday and there are some people already lined up inside. I usually go to different branch close to my work, but I picked this branch because it is just close to my house. The ATM machine seems slow today and I waited a bit longer. The ATM machine finally showed the error sign on the screen : it can not deposit/withdraw cash and gave me receipt ( attached ) with phone number rather than the deposit amount. I talked to a person in chase branch and confirmed there is no deposit. Simple the atm machine took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not have any documentation or paperwork verifying that I owe money to a XXXX XXXX XXXX XXXX XXXX. The account may be closed on my credit report but it is still showing on my credit report and I never signed up for a company located in XXXX. I would like this false information removed from my credit report.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I purchased a home and obtained a conventional mortgage loan originally serviced by XXXX XXXXXXXX XXXX XXXX XXXX ), later transferred to Mr. Cooper in XXXX. At closing, the XXXX property taxes reflected a prior owners senior homestead exemption, resulting in artificially low taxes ( {$480.00} for the year ). Georgia law ( O.C.G.A. XXXX ) requires automatic removal of these exemptions after a home sale, which should have triggered a property tax reassessment for XXXX based on the purchase price ( {$4000.00} ). 

Despite access to public county tax records and closing documents, XXXX and then Mr. Cooper continued collecting escrow based on the expired {$480.00} tax amount well into XXXX. No proactive adjustment was made when the exemption legally expired on XX/XX/XXXX. Mr. Cooper refunded an escrow surplus of {$1200.00} in XX/XX/XXXX without reviewing the adequacy of future escrow collections, which contributed to the problem escalating. 

In XX/XX/XXXX, Mr. Cooper issued an escrow statement identifying a {$5000.00} shortage. Rather than replenishing the escrow account internally for the servicing error, Mr. Cooper spread the shortage across 60 months, increasing my monthly payment. The regular monthly mortgage payment was raised from {$2300.00} to {$2700.00} beginning XX/XX/XXXX. The shortage repayment of {$83.00} per month ( {$5000.00} XXXX months ) is now embedded in my bill. 

Additionally, a review of escrow statements from XXXX, XXXX, and XX/XX/XXXX reveals inconsistencies : the escrow balance remains negative, hovering between - {$3100.00} and- {$2200.00}, but the shortage amount shown never reflected the full {$5000.00} raising concerns about accounting errors. 

After multiple RESPA Notice of Error letters ( XX/XX/XXXX and XX/XX/XXXX ), Mr. Coopers XX/XX/XXXX, response declined any corrective action. Their reply wrongly shifts blame, suggesting it was my responsibility to notify them of the exemption change, even though federal law ( XXXXXXXX XXXX XXXXXXXX ( c ) ( XXXX ) ) requires servicers to base escrow projections on all available public information. 

Because the servicer had access to my closing documents, public records, and the tax reset law, and failed to make timely adjustments, I am seeking a full corrective action, including replenishment of the shortage and a short-term interest rate reduction similar to promotions offered to new customers. 

Supporting documents attached include all related escrow statements and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I the consumer XXXX XXXX XXXX is requesting a validation of debt such as a contract with my signature, the bill of sale, transfer of assignment, ownership of the debt, and flow agreement. according to the FCRA law code XXXX XXXX XXXX debt collectors must provide written notice including the amount of the debt, the name of the original creditor, and a statement about the consumer 's right to dispute the debt within XXXX  days. I have the right to request verification of this alleged debt. Portfolio Recovery has furnished my credit reports with all three credit agencies such as Transunion, Equifax, and Experian with many inaccuracies/ differences such as ( Accont types, Open/close status, account status ) which are violating the Fair credit reporting act due to reporting inaccuracies which is UNFAIR as it states " according to the FCRA XXXX XXXX XXXX procedure in case of disputed accuracy governs access to consumer credit report records, and promotes accuracy, fairness and the privacy of personal information assembles by CRA 's ( XXXX Reporting Agencies ) ''. 
As per the FCRA I will attach my Driver 's license, and Social security card for identity purposes. 

Thank you so much for handling this matter seriously, and promptly Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the information related to the is FTC complaint as it appears on my credit profile. I request validation of the debt in question to confirm that it belongs to me, XXXX XXXX. If the debt can not be properly validated, I request that it be removed from my credit profile, as it is negatively impacting my life. Please be aware that verification does not constitute validation.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the information related to the is FTC complaint as it appears on my credit profile. I request validation of the debt in question to confirm that it belongs to me, XXXX XXXX. If the debt can not be properly validated, I request that it be removed from my credit profile, as it is negatively impacting my life. Please be aware that verification does not constitute validation.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within XXXX days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I don't have a contract in place with this business named " The CCS Companies ''. They did not provide me the original contract, which I requested. The account is apparently for a house I sold in 2019, and I discovered last year that XXXX XXXX never closed my account as requested and kept taking automatic payment from my checking account for 5 years. Since I had other accounts with them on a rental home and my business, I did not detect that automatic payments as abnormal. A technician came to that old house instead of my XXXX address, which alerted me to the problem. He said they could only close my account by sending me a letter to that address, which is rediculous because I sold the house 5 years ago. I have not access to this account, the charges that are claimed as past due or when those charges were assessed. They will not give me access without a letter in the mail to an address where I can not receive mail! Now " The CCS Companies '' of XXXX, MA has filed a collection on my credit report supposedly in relation to this previous address, XXXX XXXX XXXX XXXX XXXX XXXX, FL, although they did not provide me with proof. I should not only have this credit report collection removed immediately, but also XXXX XXXX owes me XXXX XXXX  Dollars in overpayment they took from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called to pay my past due mortgage payments of {$1900.00}. But the representative wouldn't accept my payment! Shellpoint restricted me from paying online too! The representative said that my account is being sent to foreclosure department and until I get paperwork from them I can't pay. So, i waited but the added fees were astronomical! Instead of paying my total pastdue of {$1900.00} they demanded over {$7000.00}! 
I can't pay those extensive fees! I requested a modification but they want over {$25000.00} for a down-payment! 

I need your help to save my home that my entire family including grandchildren that had to return to since Covid. 

Please accept my past due payment of {$1900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation