vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, this is XXXX XXXX XXXX, currently getting involved in the lease scam. 

I got a contact from XXXX messenger and this is his profile ( 1 ). His name is XXXX XXXX XXXX, and you can find the contact info from the link ( 2 ). 
( 1 ) XXXX XXXX XXXX XXXXXXXX ( 2 ) XXXX XXXX XXXX I also attached the documents that I signed and received as a receipt. 

The reason why I thought it is a scam is because of these reasons. 
1. I called the XXXX apartment ( which they said will be the XXXX apartment, # XXXX XXXX on the XXXX floor ), and was told that they dont do the short-term lease. + They only make a contract in the leasing office, not with the XXXX XXXX office. 
2. According to the XXXX apartment, there is no contract under my name. 
3. I made payments through using XXXX Chase ( XX/XX/XXXX - {$1700.00}, XX/XX/XXXX - {$1700.00}, which is {$3400.00} in total ). It was for the deposit + one month 's rent, and I found that the recipient is XXXX XXXX ( XXXX ), which was an individual but not a leasing office. 
4. According to the receipt I received, it is only said XXXX floor but no ext unit number. 
5. I called XXXX XXXX XXXX phone number, XXXX office number, but all calls were rejected immediately. I was unable to contact them, and when I asked friends to call them, it was all same. 
6. When I went into XXXX and clicked the out links XXXX, XXXX, XXXX, I was routed to itself or to the main page of the social media, not connected to the relevant offices official page. 
7. I try to contact through the mail and XXXX I used, but they dont answer even if they read my messages. 

Due to these, I can not but consider it as a scam, and immediately called and visited Chase. 
I told them that it seems its like a scam, so I would like to cancel my payment ( pending state on my check account, but already money is out ). I was told that they cant cancel the payment but can claim the file. But told that the result will take more than 10 business days and can not guarantee the results. 
+ I was told by Chase that it is beyond their hand and can't help me further. They suggested I report to the police. 

Will there be anything I can do further? I desperately need help to solve this problem, and I would be really glad if I can get help. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX had irregular and fraudulent billing on my account during the beginning of pandemic in XXXX, 2020. I was sent the incorrect cell phone, returned the phone with the packaging they provided and they then charged me for a damaged phone. The dispute went through arbitration and received a settlement from XXXX XXXX for the amount they incorrectly billed me. My apartment community, XXXX XXXX is responsible for tenants cable payments via rent charges. 
I do have the settlement letter and do not know why I was reported to collections for {$1100.00}. I have contacted both collection agency and XXXX and neither has been able to produce any bills for the amount reported to collections. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The companys involved are XXXX XXXX XXXX XXXX Experian ; I opened a credit card with XXXX XXXX XXXX in XXXX over 11 years ago which I was having financial hardships at the time I couldnt find a way to continue making payments due to legal issues I went through ; in XXXX I was sued by XXXX XXXX XXXX for non payment of the credit card account which I was struggling to pay and eventually the account was closed I was then ordered m by the courts to pay the amount owed to the credit card in a lawsuit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to remove the delinquent account from my credit report and I thought I would eventually move on with my life but I was wrong over a decade later this item still haunts my Experian credit report and has never reported correctly any of my payments I made to XXXX XXXX XXXXXXXX for the duration of the terms in which I paid the complete debt off and received letters assuring that this delinquent item will be removed from my credit profile which it was with 2 of the 3 credit bureaus XXXX and XXXX ; but the delinquent account with Remained on my Experian reports until this day after ; I reached out to XXXX XXXX XXXX by phone which I was met with a rude and unprofessional representative from the collection department who didnt want to help me with the issue ; I then contacted XXXX XXXXXXXX XXXX and Experian by Fax and Mail which i still have not received the help needed to remove this delinquent item thats been haunting me for more than 12 year ago when I was a young man now Im grown and been trying to apply for a mortgage to support a growing family I havent had a late payment since this issue 10 years ago my credit report and score is outstanding besides this one factor that still isnt resolved and its XXXX which means this account violates the statute of limitations for debt in NYS also there were new bills introduced by the now Governor of New York in regards to consumer debt that makes me question what Experian and XXXX XXXXXXXX XXXX is putting me through

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I have a credit card with Indigo. At the beginning of the year the monthly fee was applied which was XXXX. I forgot about it and my card went over the XXXX limit. The new balance was now XXXX. On XXXX XXXX I made a payment of XXXX which would leave a balanced owed of XXXX. The payment cleared on XXXX XXXX, because it was after noon when I made the payment and they only use bank accounts to receive payments. I stopped at a gas station on XXXX XXXX and I was told my card was declined. When I called to check my balance, it was stating my balance was XXXX. I spoke with a representative and was told my card was placed on hold pending verification that the payment made would clear and I would not be able to use my card again until XX/XX/2022. I informed them that the payment cleared on XX/XX/XXXX so it has been fully verified that the funds are good. I have never submitted a payment to them that did not clear. I was then informed that yes they did clear and was on their end that they were holding the payments. So I stated, you mean to tell me that you have the funds, you just verified that you are holding them on your end and I can not use my card again until the XXXX of XXXX and the only thing you have updated in your system is the made payment? There is nothing in your system showing my account is on hold. But the negative XXXX is showing and my balance is XXXX. The first representative actually laughed and stated " well its not with everyone its just yours. '' I said excuse me. I got off of the phone and called another representative which stated they've been doing this since the company has been established and if I would have made a smaller payment and not a payment of XXXX my account would not have been placed on hold. I informed him when I made the payment of XXXX and something the year prior, they did not place my account on hold. And he said no they didn't. We just do it sometimes, we never know when and it just so happened this is your first time. I told him, so you guys have my payment and it has been verified but you're not updating my account in the system nor to the credit bureaus and you're not allowing me to have use of my card until XXXX XXXXHe stated that is correct. I said this is some fraudulent stuff you guys are doing and I received no warning and your stating it is because I paid a higher amount. So if I paid a lower amount, i wouldn't have a hold and he stated that I was correct. So i asked if I pay the remaining XXXX will there be a hold and he stated I wouldn.t know that until you paid it. This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through zelle and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. XXXX XXXX verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through Zelle. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple Zelle and wire transfers. So i did XXXX dollar through three Zelle transactions to XXXX XXXX ( XXXX ) and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from XXXX XXXX that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Navy Federal again refused to accept a payment on my account and it appears that they are denying the payment for now several payment attempts dating back since XX/XX/XXXX in order that they can access late payment penalties. An attempt to pay on my account in this latest effort came on XX/XX/XXXX which was not processed. A follow up attempt was made by calling in to one of their CSR 's in which that payment attempt also was not processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased an online course titled, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' from " XXXX XXXX XXXX  ''. I was charged {$530.00} and I had used my Discover credit card for the purchase. Immediately after purchasing, I had watched the first four " lectures '' and I immediately felt misled. Each of the so-called " lectures '' was only two to four minutes in duration. After finishing the fourth video and feeling disappointed, I scrolled through the list of lectures and found that the short videos were a common theme within the " course ''. I then emailed the support email, XXXX, about requesting a refund and I immediately received an automated email. The automated email stated to reply to the email and a response would be given in XXXX business hours however I did just that and I never received a reply to my request. After this point, I was very frustrated and had decided to wait until Discover would let me file a chargeback. On XX/XX/XXXX, I had filed a chargeback with Discover essentially stating that I had been purposely misled and that the advertising and descriptions surrounding the course were mostly false advertising. On XX/XX/XXXX, I received a message from Discover stating that they had ruled against me because the merchant was able to provide a receipt of my purchase. This had nothing to do with my original complaint and the false advertising issue was never addressed. In addition to this, after being notified that I had lost the dispute, I logged into the website that provides the courses and realized that my access to the course that I paid for had been revoked. Not only did I lose the dispute and the money, but I also lost my access to the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KeyStone Financial ,LLC
State: SC

Complaint narrative:
I sent a debt collector company Keystone Financial a validation letter dated XX/XX/2022 wanting more information regarding the alleged debt that I supposedly owe them. A person by the name of the name of XXXX XXXX XXXX responded using obscene and profane language as well abusive threats saying that " I am past due '' and that " they are going to report to the credit bureau ''. These are violations to me as a consumer and also included is a copy of a contract which has no signatures from either party. The debt collector also has me listed as a " borrower '' for a " loan '' under the Truth in Lending disclosure which constitutes false and misleading information. Truth in Lending does not define a borrower, loan, or debt. The debt collector also did not provide the required disclosures they never provided a right of rescission disclosure, or the any disclosure that giving me the option to have my information reported to any third party and the consumer reporting agencies. This company is willfully violating my rights as a consumer under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Complaint about mortgage company withholding surplus disbursement of XXXX which indicates understated escrow balance for a month. During the period, escrow balance reflected XXXX less. 

I received annual escrow analysis indicating escrow surplus but no check! 

Mortgage company requires a cushion of XXXX ( or {$1100.00} ) of anticipated payment of additional funds held in escrow in order to prevent balance from becoming overdrawn when an increase due to taxes & insurance premiums. 

Despite surplus overage disbursement and required cushion, total mortgage payment increased from {$1500.00} to {$170.00}. Interest rate is fixed at 4.12505 %. 

This situation continues to occur regardless of increase of monthly payments applied to escrow. Last year was over paid ( surplus ) of {$1300.00} with an increase of monthly payments from {$1500.00} to {$1500.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt of XXXX to replace carpeting in XXXX XXXX unit XXXX. I responded on XX/XX/22 with the following : " I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XXXX they responded with a copy of the lease and a picture of subsurface stains in a small section of the carpet. I responded with the following on the same day : " I do not have any responsibility for the debt youre trying to collect for carpet replacement. Unit XXXX was professionally cleaned on the move-out day and contained no noticeable surface damage. Under-surface stains are likely from previous tenants. The lease agreement contains no liability for carpet replacement. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. '' With no further response of proof, they submitted a collections event on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. Pursuant to 15 USC 1692g ( b ). 

I sent certified mail USPS ( XXXX XXXX XXXX XXXX XXXX XXXX. ), a notice to the consumer reporting agencies about some inaccuracies furnished on my report. 

I also sent certified mail USPS ( XXXX ) to progressive management services about these inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize or consent to the following inquiries that are listed on my Transunion consumer report on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-26 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: CA

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CA

Complaint narrative:
Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-03-26 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-03-26 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: CA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-03-26 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello, I have an account with XXXX XXXX aka Nordstrom Card Services. They recently reported my account as overdue past 30 days to my credit file and my XXXX score dropped XXXX points. Due to the Covid epidemic, I was visiting my elderly parents for the first time with my children in over 2 years. I have never had a late payment with Nordstrom and I pay my balance in full every month. I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from visiting my parents and received a notice on my credit monitoring that my XXXX score had plummeted XXXX points. I have EXCELLENT credit- over 800+ and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 8 year cardholder with exceptional payment history. I am so incredibly frustrated I will no longer remain a customer. Please help me with this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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