vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Over the past 9-12 months. I have had several financial issues that have stemmed from potential theft, to temporary freezing of my assets due to unknown parties attempting to access them without my permission. My primary checking account with J.P. Morgan Chase has has several issues. Transactions that happened more than a week ago are just now being posted. Credit line increases that have not been issued to my primary credit card account with them, as well as an abnormal credit line increase with concerning an Amazon XXXX rewards account where at the start, I was given a {$2500.00} dollar limit, then in no less than XXXX months, it increased dramatically to {$6500.00}. In 2020, I contacted J.P. Morgan Chase concerning a banker on their staff that I had known personally that may be interested in keeping a keen eye on my accounts with Chase due to animosity we have towards each other. That investigation resulted in zero findings, I am continuing to have issues with this bank, culminating in wire transfers that are being halted for reasons unbeknownst to me. I am requesting the CPFB to inquire into this bank and see if any unprofessional behavior is being committed concerning my checking account, my savings account, and my two credit cards I have with this bank. Specifically the rate at which specific transactions are being posted, as well as abnormal credit line increases. I visited a branch last week and they assured me that nothing abnormal has arisen. There is a strong possibility that my account is not the only one affected. There is a strong possibility that someone at this nationwide bank has given unauthorized access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
The company took advantage of my XXXX and discriminatory predatory lending because I received XXXX. Then they are holding license plates till first payment and That is two weeks after purchase XXXX I was pulled over with expired temporary tags when I went to the Fast Finance company to talk with TNT Financial XXXX XXXX Mi XXXX XXXX city XXXX MICHIGAN XXXX XXXX 
Sales tax license number XXXX dealer license number XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX. 
Vehicle identification number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX XXXX 120 days late XXXXEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX / XXXX / 120 days late DEPT OF EDUCATIONXXXX XXXX XXXX / 120 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On Sunday XX/XX/2022 Comenity Bank contacted my mother and a place of employment, which I have not been associated with in over a year. They left a message on the voicemail at the previous employers and also on my mother 's cell phone. They left private information like my name and that they are attempting to collect a debt. I made a payment on this debt this month, and plan to continue to make payments. I was about 3 months late, but the payment was made and cleared on Monday, XX/XX/2022. I have had issues with this company in the past contacting family members regarding my account and I have already filed one complaint, and they are now doing it again. They are also contacting previous employers of mine. This is ridiculous. They should not be calling family member or employers and leaving personal messages on voicemails. Apparently this is something that Comenity Bank is known for and they clearly do not care if complaints are made against them because they continue to practice these unethical debt collections. I made a payment of {$100.00} this month, so there is no reason for them to be calling. They have only tried to reach out to me once, which was yesterday, about this debt. They did not even give a chance for me to call them before they started calling family members and past employers. Also, calling places of business on a weekend and leaving voicemails regarding my personal business is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: NE

Complaint narrative:
they will not listen to me, dept was wrote off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had a recurring withdrawal set up with Coinbase to purchase {$25.00} every Saturday. This recurring transfer performed for three weeks ( XX/XX/XXXX, XXXX, and XXXX ). However, it did not occur the following Saturday ( XX/XX/XXXX ). I contacted Coinbase and asked for an explanation. All they did was " look into it '' repeatedly and then the representatives would respond with a generic cut and paste of how to set up a recurring transfer. I explained to them they did not answer my question, namely, why my recurring transfer was eliminated without my permission. I did not authorize deleting my scheduled recurring transfers but Coinbase could not give me an answer how it was deleted. This is clearly a security breach of some sort. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 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: LJ Ross Associates
State: MD

Complaint narrative:
Issue : L J Ross Associates, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX  XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with XXXX during XX/XX/XXXX once discovered the negative filing on the credit report. XXXX confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. XXXX system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I feel as though I have been harassed daily by Portfolio Recovery Associates. I literally receive calls 3+ times a day from different numbers. Weekends, holidays, after and before normal business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: NJ

Complaint narrative:
I filed a fraud alert to Equiax to remove this account off of my report. Equifax removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: IL

Complaint narrative:
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Sunrise credit service has added a derogatory mark on my credit report for a debt i do not owe. it is stopping me from getting a home.

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 2022-02-07 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: MS

Complaint narrative:
I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following inquiry are fraudulent : XXXX. XXXX XXXX XXXX OF DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 5. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan Depot has stopped sending me any mortgage statements or information about my loan. I have called them at least three times over the past several months to please start sending me my mortgage statements. 

They have not done so. I can not work online banking as I am older person and do not like online banking. I need my mortgage statements mailed to me. Can they please send me my mortgage statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
This debt was suppose to be paid by my insurance XXXX XXXX XXXX XXXX. This was a surgery that I had last year. Furthermore I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Provide a copy of my signature with the provider of service to release my medical information to you I asked for this before and have not received anything. So I need this bill removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
ChexSystem is reporting XXXX XXXX  XXXX Account Number : XXXX on my file as Non- Sufficient Funds ( NSF ) for a Charge Off Amount of {$590.00}. This bank account was opened fraudulently under the address XXXX XXXX XXXX XXXX, PA XXXX, I have NEVER lived at this address or done any business with this company under this address therefore ; this UNPAID BALANCE I am being accused of is FRAUDULENT and MUST BE DELETED per the FCRA. Please keep in mind, this is my second attempt to resolve this matter with ChexSystem. I have attached a FTC Identity Theft Report to substantiate my claim. I have also notified the Federal Reserve for ChexSystem non-compliance and willful neglect of Federal Law. Attached to this Complain is a copy of my Photo Identification with my ACTUAL proof of residency.

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX. My mortgage servicing was transferred to LakeView Loan Servicing effective XXXX. My experience with LakeView has been a complete disaster as they continue to claim that I have not made payments, which I have proof of payment in my bank statements and pay by phone payment records. Lakeview continues to claim that I am past due in payments, when in fact I have made multiple payments, multiple times to clear up their accounting errors. They have erroneously reported past due and late payments on my payment record. They are currently, right now, holding onto payments that they refuse to correctly apply to the account. Their customer service, or lack there of, is reprehensible. If I could have ANY influence on firing them, they would have been gone long ago. Their business practices are substandard. I want help resolving my payment issues with them as I continue to make every effort to take my business elsewhere. 

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 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: MD

Complaint narrative:
Hello, I recently received an unsolicited Netspend Prepaid Mastercard issued by XXXX. This was sent to a former address of mine and I was alerted about it. The paperwork states they received my name and address from a 3rd party data provider. I called in to the number they provided to opt out of future mail offers. I provided just my name to the rep and she said she has removed me. I asked her to verify the card number, address and account number associated with my name which she refused to provide. She asked me to disclose that info to her and she would confirm that way - I declined.

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 2022-02-07 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: NJ

Complaint narrative:
I filed a fraud alert to XXXX to remove this account off of my report. XXXX removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CT

Complaint narrative:
Covid relief program with the mortgage company was supposed to postpone payments due to financial hardship, and now after program is over, mortgage company is tacking on XXXX dollars to your bill. And on top of it, extending your maturity date by 10 additional years, charging 10 more years of payments and interest. This is not a relief, this is not 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 2022-02-07 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: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-02-07 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: CA

Complaint narrative:
Equifax, XXXX, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.

Company response to consumer: Closed with explanation