vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with JPMorgan Chase Bank ( JPMCB ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with JPMorgan Chase Bank ( JPMCB ). This fraudulent account was reported by XXXX, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with JPMCB, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that JPMCB has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with JPMCB from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. JPMCB has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: BMO BANK NATIONAL ASSOCIATION
State: KY

Complaint narrative:
on XX/XX/2021 my credit report was released to 3 different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : Bank of the West XXXX XXXX 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 2023-05-23 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as XXXX and Experian carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like XXXX and Experian are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor XXXX and Experian have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to XXXX, Experian, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option. 

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law. 

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. XXXX and Experian have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services

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 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armcon Corp
State: CA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, for a violation of the No Surprises Act. 

The patient in question is XXXX XXXX ( redacted for privacy ), who received services at the aforementioned medical facility on XX/XX/2022. The services rendered were under the medical codes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The issue began when XXXX XXXX went in for immunization. Prior to the appointment, the office staff verified that she was covered by our health insurance provider, XXXX. We even found the facility using our insurance 's website for " in network doctors ''. This verification reassured us that we would be covered for the services received and would not incur any unexpected charges. However, to our shock, we later received a denial letter from our insurance company and a surprise medical bill from the medical office, which amounted to a total of {$1100.00}. We appealed the denial decision with our insurance, but they provided documentation to show that they were not in network anymore. 

In an attempt to resolve the issue, we contacted both XXXX and the medical office, which led to a verbal agreement for a payment plan and a lowered bill in the range of {$700.00} - {$850.00}, to be paid in installments. We were even told that if we did not pay we would be sent to collections and then offered a " cash discount. '' As a result, we paid three installments, each worth {$140.00}, totaling {$430.00}. 

Unfortunately, I fell ill and was unable to make further monthly installments. In response, without any prior warning, the medical office sold my debt to a collection agency, Coachella Valley Collection Service, for an amount exceeding the previously agreed upon maximum sum of {$850.00}. 

This action, we believe, is in clear violation of the No Surprises Act. Despite our earnest attempts to honor the financial agreement we had entered into, the office not only reneged on the established payment plan but also escalated the issue by involving a collection agency, thereby negatively impacting our credit rating. 

In light of the above, we kindly request that the Consumer Financial Protection Bureau intervene on our behalf to investigate this issue and provide a resolution. We believe that XXXX XXXX XXXX XXXX XXXX should be held accountable for its actions, which are against the provisions of the No Surprises Act, and thus unfair to us as consumers. 

We appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a loyal customer with Bank of America for 24years with two personal accounts. 2 weeks ago I met with a representative to re-title ownership of those accounts to a Trust. 

Th

e rep. looked over the Trust documents and confirmed with her manager that the accounts could be re-titled. She re-titled them in the banking system and send the Trust documents to their legal dept. Legal denied the re-title.

I said ok, put both accounts back in my name. Bank of America is refusing to switch the accounts back to my name. Why? I dont understand. 

Instead they are bullying and forcing me to close my accounts that Ive had for 24 years and open new accounts with higher fees and things that I dont understand. I dont want higher fees or new accounts. Just switch the name on the accounts back to my name.

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XX/XX/XXXX {$690.00} {$500.00} I request cashier check on XX/XX/XXXX I paid extra for overnight shipping next day they gave me tracking number since I put request in after XXXX it says will arrive on the XXXX ok cool I waited on the XXXX still havent came I waited the next day still havent came so I contacted XXXX they said the label was created but navy federal never gave them the packages so I contacted navy federal numerous of time they said they couldnt help me so I contacted them through emessage which I have to wait for a response 2-3 days so they contacted me saying I had to write a written request which I did then ithey wrote me back today saying they review my request wait 24-48 hours smh really my lights is off now n XXXX XXXX XXXX XXXX XXXX  now Im in a hotel smh

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to assert that I have no ownership or liability for the alleged debt referenced in your recent communication. This letter serves as notice of estoppel, based on the principle of estoppel by silence and your failure to provide sufficient evidence of the debt 's validity. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$750.00} I have received correspondence from your agency claiming that I am responsible for the aforementioned debt. However, I dispute the validity and accuracy of this claim. Despite my requests for supporting documentation and verification of the debt, you have failed to provide any substantial evidence linking me to the alleged debt. 
I HAVE NOT SUPPLIED PROOF UBDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V, GRAVENS ( MO ) 281 sw 715, 719. I PRESSURE THAT NO PROOF OF THEIR ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I HAVE NO OWNERSHIP OF THIS DEPT. I NEED IT TO BE COMPLETELY DELETED. 
The principle of estoppel by silence applies in this case, as your repeated attempts to collect on a debt without providing proper validation or ownership verification has created a reasonable expectation on my part that no such debt exists or that any potential debt is not enforceable against me. 
Therefore, I hereby assert my rights under estoppel and insist that you immediately cease all collection efforts, remove any negative remarks or entries related to this alleged debt from my credit reports, and confirm in writing that no further collection activities will be pursued against me. 
Failure to comply with this notice of estoppel may result in legal action being taken against your agency for violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
Please consider this matter seriously and respond in writing within 30 days of receiving this letter, acknowledging the application of estoppel and confirming that all collection activities will be halted. 

Thank you for your prompt attention to this matter. 

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
I used to work for XXXX XXXX XXXX for about 2 years. I have not owed anything with them nor did they tell me i owed anything the entire time working there. I do not kno what this collection is for and i have been consistently harrassed via excessive phone calls every other day. When working there, i reported that my boss was XXXX XXXX  and XXXX XXXX me repeatedly over the entire time i was at XXXX. The next day, i started experiencing harrassment from supervisors and was fired 2 days after my report for unknown reasons. when i asked them to state the reason on my termination letter, they refused to contact me. shortly after, i began to receive harrassment from this debt collector company assosciated with the company. I do not owe anything to the company and have asked them multiple times to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have disputed late payments on this open account with the three bureaus several times, and these accounts have not been updated to good standing. I have explained to them that some of the late payments information is inaccurate, also that I had a slip and fall on XX/XX/2017, which I already provided proof for, and wasn't able to work so I fell back on my bills, and I've been able to pay on this account for the past few years on time when I was able, but they just updated the account instead of putting the account in good standing -XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My XXXX XXXX XXXX credit card account ( account number XXXX ) was targeted by fraudsters who made unauthorized charges totaling {$300.00}. I took immediate action upon discovering the fraudulent charges by contacting XXXX XXXX  XXXXXXXX XXXX  customer service to report the incident. However, to my dismay, they refused to remove the fraudulent charges from my account, leaving me responsible for the financial burden. 

The impact of this identity theft has been severe. Not only did it result in the tanking of my credit score, but I also had to bear the cost of paying off the fraudulent charges in order to close the account. Despite my relentless efforts, including writing multiple letters to the credit bureaus to dispute this fraudulent account, no proper investigation was conducted, and the account remains on my credit report to this day. 

The frustration I feel is overwhelming. Not only did I suffer financial losses due to this incident, but the charged-off account associated with the identity theft has had a devastating effect on my credit score. It is deeply unfair that I am forced to endure the consequences of someone else 's fraudulent actions and subsequently face the arduous task of rectifying this situation.

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 2023-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: PA

Complaint narrative:
My one loan consolidation of XXXX is Directly owned by the Federal Government. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education to bailout the failed financial institutions. 

My XXXX account identifies the ACS one Consolidation Loan as a Direct Loan with a XXXX XXXX XXXX. This is the only loan I have with ACS as shown and verified in my XXXX  account. 

My ACS XXXX Loan Consolidation was purchased by the Federal Government as part of the XXXX financial crisis bail out for failed financial institutions.

ACS has been found guilty of fraud in Federal Court for having loans in more than one que. If ACS thinks my one consolidation loan of XXXX is commercial it is because of this ACS practice of keeping Student Loans in more than one que. 

How ACS was allowed to change their name to Conduent and reorganize after having been found guilty of fraud in Federal Court and allowed to remain a Student Loan Servicer is beyond belief! 

When XXXX acquired my XXXX one loan consolidation in XXXX it was a Direct Loan : there were no other loans to consolidate or add to the consolidation ; the two loans and one consolidation added to my XXXXXXXX account by XXXX are bogus ; the two XXXX XXXXXXXX XXXX from XXXX were cancelled in XXXX never disbursed, XXXX dollar value, did not exist after XXXX, they were cancelled and not part of the XXXX one loan consolidation because they were already cancelled non-existent. When something is cancelled it no longer exists can not be resurrected! 

My one loan consolidation of XXXX has been Directly owned by the Federal Government since XXXX. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education bailout for financial institutions.

Company response to consumer: Closed with explanation