vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Monday, XX/XX/2021 Someone posing as Chase bank texted me and said someone had tried to wire {$2000.00}. from my account and they asked if this was me. I said NO and they said to stand by and they would be calling me. They called from the same number as is on my Chase debit card which isXXXX. They said they were going to help me protect my account. They asked if I knew someone named XXXX XXXX and I said no. They asked if I had been on an unprotected internet like at a restaurant and I said not to my knowledge .They sent me an email from chase.com to confirm their identity. I have to admit I was suspicious by I went ahead with the call. They asked for my email and I asked them to tell me my email and they just said gmail. I went ahead and gave them my email address. Then, they said they needed me to go to XXXX and send myself all of my money to protect myself until they could clear up this person trying to wire my money. I feel XXXX but I did it and of course I lost my money. Immediately after this they charged a XXXX bill of {$190.00} directly to my bank account. I did freeze my account and canceled my debit card. When I tried to call CHASE their number showed with a scam flag for about 15 minutes. When I finally got through to CHASE they put me on hold for 30 minutes and then I spoke to their fraud department. They acted like they had never heard of this scam. I have since found out several people in my community have experienced this same thing. The representative acted like it was my fault but went ahead and filed the claim. The XXXX bill has been temporarily reversed. The XXXX  transfer was not reversed. They sent me a letter saying it was authorized and so they will not return the money. I don't feel like they really tried to get to the bottom of this and I know a big bank like this has insurance so I think it is downright cruel for them to dismiss me.I also am disappointed that they have not issued a warning or public service announcement and they continue to play their commercials about how great XXXX quick pay is and how safe it is. I know also that the other people this happened to go their money back so how do they decide who gets the money back and who doesn't?? I have had a CHASE checking account for 10 years and never had over draughts until this scammer got into my account. 
Also, I will not be using XXXX in the future. XXXX doe not take responsibility for these things either. Thankfully I have an identity theft company and they are helping me. I feel like I was totally dismissed by CHASE. They didn't even say they were sorry that this had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
In XX/XX/2021 I noticed a new collection on my account from Helvey and Associates. I contacted them via phone and spoke to a representative who told me a letter was sent to an address that was not mines. Confused about the entire process and being pressured to pay by the representative I paid the full amount of {$410.00}. I was told the account would be removed from my credit report. It is now XX/XX/2021 and the account is still reporting negatively although it was paid in full and I was told it would be removed. I spoke with a XXXX today who advised her company is mandated to report the account even though it has been paid. I asked her where the original notice of dispute was sent and she read off an address she said they got from a national change of address database. This is a clear violation of FCRA. Not only was I never notified of the debt or given the opportunity to validate the debt. The representative XXXX couldn't even validate my information today in order to prove the debt was even mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$140.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with Portfolio plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$71.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report today XX/XX/21, I noticed XXXX XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Address 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 explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I called into Navy Federal on XX/XX/XXXX to pay my balance in full on my credit card ending in XXXX because the due date is XX/XX/XXXX and I wanted the card to report paid in full to have a positive impact on my score. The representative informed me if I did so it would be because it would report on the due date and Federal Trade Commission would be closed over the weekend and holiday so any transactions over the weekend would be reported and have an effect so I did and we made the adjustments to do so. I paid up the {$1000.00} balance and some to cover any over flow that was pending at the time. Over the weekend I use the card as I was advised doing so would not have an adverse affect because I clearly wanted to know on what day to pay on to and Navy Federal Credit Union would report my card to the credit bureau so I know on that day I could pay and the union would report as such. Well was misinformed or the credit union for what I see has clearly reported false information to the bureau because the balance was XXXX with a credit when I paid on that day. XX/XX/XXXX when I pulled my credit report Navy Federal Credit Union showed a balance update on XX/XX/2021 of {$300.00} and has refused to correct ever since and allow me to speak with the Vice President regarding to make the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
hard inquires made on XX/XX/2021 by JPMCB Card and XXXX XXXX and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There were several attempts made to request loans and credit cards and bank accounts. A few were me but another werent

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: CO

Complaint narrative:
This is an official complaint against Millenial Home Lending , Inc. I have been trying to get this issue resolved since XX/XX/2021 and have been given the answer of there is nothing that can be done. This is in regards to our refinance of our mortgage loan with Millenial Home Lending , Inc that has since been since transferred to XXXX XXXX DBA XXXX XXXX  XXXX  on XX/XX/2021. Previously we had our mortgage loan with XXXX XXXX XXXX XXXX  and on XX/XX/2021 we closed with Millenial Home Lending and the payout was issued on XX/XX/2021 from Millenial Home Lending to XXXX. As part of the terms of our refinance, we were to go 2 months of payment deferment. At the time of closing it was indicated in our paperwork that it would in fact be XXXX and XXXX. We had specifically discussed that we had already paid our XXXX mortgage ( keep in mind this was now XX/XX/XXXX and well beyond the mortgage due date of XX/XX/XXXX ), and it was stated we would be getting that refunded to us in the form of a check. XX/XX/XXXX we received our escrow refund, but no mortgage refund. At that time I began speaking directly to XXXX XXXX XXXX XXXX several times and they states that they do not issue refund checks but instead consider that a payment towards the payout, which was not what we agreed to with Millenial Home Lending. With that being said, the terms we agreed to of going two months of deferment is not being met and it seems Millenial Home Lending spoke on behalf of XXXX XXXX XXXX XXXX on how that payment would be handled. We paid XXXX mortgage and that was credited toward what Millenial Home Lending paid for our mortgage. In my opinion, we did not get the benefit, but Millenial Home Lending got the benefit of lowering the payout by $ XXXX- this is not at all what we agreed to and I believe to be dishonest. I was advised to reach out to our original loan officer who I contacted on XX/XX/XXXX, who passed this issue onto her manager that same day. I did not get any communication from the manager, and on XX/XX/XXXX a voicemail was left on my husband 's phone ( which he never checks which is why I requested to be contacted ). When he finally heard the message on XX/XX/XXXX he passed the contact information onto me and I called and texted ( as requested by him ) starting on XX/XX/XXXX, again on XX/XX/XXXX and then finally on XX/XX/XXXX I received a response stating that there is no further action they are taking on a Funded Loan. There is zero culpability on their part and they refuse to assist in correcting their mistake and honoring the terns of our refinance agreement.

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 2021-07-16 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased an item online that turned out to be a scam. The amount is {$110.00}. I originally contacted my bank, but they relied on the information from PayPal and deducted the amount from my account. I never received this merchandise and PayPal has refused to refund my money even though this is a fraudulent company. This fraudulent company has sent a stolen tracking number to PayPal to show that something was shipped and delivered to my address. It was a tracking number assigned to another person who purchased an item from XXXX. My purchase was not from XXXX. It was from a group calling themselves " XXXX XXXX XXXX XXXX XXXX ''. No one responded to my email, nor is there an address or phone number for this company. I have contacted PayPal via phone and text. Either way, they would not respond to my call or text. They originally said on my first call that they couldn't do anything because XXXXXXXX XXXX  was working on it. They are no longer have anything to do with it. They charged my card back for {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent a dispute letter to the three major credit bureaus to verify information being reported. Equaifax is reporting a " derogatory " account status on a PAID account. all three bureaus are reporting inaccurate and incomplete information. I have not received a response from XXXX, XXXX or Equifax,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received a letter from radius global solutions for a XXXX, XXXX  stating I owe a debt of XXXX regarding My XXXX XXXX visa. I never had a Visa from XXXX XXXX. I don't owe anything. This is not mine. 2 dated XX/XX/XXXX and letter state the same thing from first letter dated XX/XX/XXXX have not received any thing from another company just from Radius Glodal.

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 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I reached out to the company I C Systems ( XXXX ) about this alleged debt on my report on XX/XX/2021 and my complaints fell on deaf ears. I've also filed a XXXX  complaint on XX/XX/2021 and after that they finally responded by sending me a bill. When i filed a CFPB complaint they said they would mail me information and you closed it but they didn't mail anything. I have been asking them to validate this alleged debt for over 120 days and all they did was send a bill through the XXXX  portal not even to me. How can they fail to validate this debt for over 120 days and still report it on my credit report. I know if they can't validate it in 30 days they must delete it off of my report. Well its been 130 days and no proper validation. A bill is not a validation i asked them for the original application that shows the debt is mine but they are playing games and ignoring me. They must delete this information ASAP.

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 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I attempting to transfer {$1000.00} from one checking account at Bank of America to another of my checking accounts at Bank America and accidentally transferred the money to a line of credit account that was closed years ago.

I have called Bank of America on four different occasions and they told me the {$1000.00} would be credited to my account within 72 hours of me notifying them of the error. 

The {$1000.00} has not been credited back to my account and I have bills to pay.

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 2021-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I am retired drawing social security by direct deposit. My wife is XXXX and draws nothing. I discovered in XXXX that First American title loans had been taking money from my SS account without me knowing or giving me a recipe so I would know. This has been going on for over a year. Upon checking all our cards found out they also took my wife 's stimulus money from her XXXX XXXX account .They didn't have a right to take it out. They were stealing. I borrowed XXXX in XXXX and payed over XXXX back. They couldn't steal money in XXXX because I took my money out the first of the month. So now they want my camper and have me arrested

Company response to consumer: Closed with explanation