vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX at about XXXX PM I noticed a charge to Remitly in the amount {$2800.00}, I called the number online for Chase bank and told the man that answered it was unauthorized and it was 100 percent fraud. He told me the Fraud Dept was closed and to call them first thing in the morning and suggested I call Remitly at the number listed on the transaction. I did call Remitly and didn't get anywhere, I actually was put on hold for awhile until I hung up, The next morning XX/XX/XXXX, I went to the Chase branch in XXXX XXXX WV and reported it to XXXX XXXX whom called the Fraud Dept herself. I had the debit card in my possession and XXXX XXXX cut it up herself. She stated the bank would be depositing the money back in my account within XXXX hours but it actually took a few days. 
On XX/XX/XXXX I received an email that a message was available to read within my account. It read that Chase was going to remove the {$2800.00} on XX/XX/XXXX that my claim was denied stating their investigation showed I authorized the said amount when clearly I did not. 
On XX/XX/XXXX I called the number on the email and talked to a XXXX XXXX at Chase she informed me If I went to the bank branch and signed some papers and had the bank fax it to her the money wouldn't be taken out and also suggested I file a police report.As soon as I hung up with her, I went to the Chase branch in XXXX XXXX and talked to XXXX XXXX. XXXX XXXX called the XXXX XXXX and argued with them I reported in a timely fashion and they told her their records showed they called my cell phone and I said it was OK. Chase never called my cell phone and talked to me and I have requested the records from that night from the phone company to prove this and will submit them when I receive them. XXXX XXXX said the bank didn't have any such papers to fax and said the Fraud Dept would be mailing me papers for me to dispute their claim. XXXX XXXX also told me I needed to file a police report.So I did go and file a police report when I left the bank. 
I have never received any dispute papers from Chase. All I received was what was emailed to me and I requested a copy of all documents relating to their denial. All it said was due to transactions. I have never sent a wire transfer to anyone or had any business with this company called XXXX. 
On XX/XX/XXXX I stopped by the Chase XXXX in XXXX XXXX to let XXXX XXXX know I filed a police report and she informed me per Chase that she couldn't communicate with me anymore, that I had to call Chase directly. 
Federal Law states I'm not responsible for Fraudulent transactions. I reported the theft to Chase within hours of it happening, reported it to the branch the next day and filed a police report .I want the {$2800.00} that was stolen by Chase replaced back in my checking account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, This complaint is for Experian regarding the FRAUDULENT ACCOUNT XXXX XXXX XXXX Simple ( account number XXXX ) that has been placed on my credit report illegally. I have never done business with ( XXXX XXXX XXXX and this account must be removed because it is made my life extremely difficult. By being stuck with higher interest rates, fewer loan options, and also hindered my housing. I need it removed immediately. I have contact Experian 30 days ago to remove this account and Experian have no responded back to me about this matter that holding me back to prosper in my life that should not be there in the first place. Legally they are obligated to respond within 30 days and Experian have not done so. The XXXX account in question have been opened at the time I lost my wallet and many other forms of identification. This is Identity Theft. I would highly appreciate if CFPB assist in getting this fraudulent account removed so I can get back to my life as it were before the traumatic incident. 
Thanks

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 2022-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent Experian a letter on XX/XX/XXXX in regards to be a victim of XXXX data breach as well as a victim of identity theft and that there are XXXX accounts on my credit report that aren't mine. It is now XX/XX/XXXX and Experian has not replied to the letter in regards to this problem. Due to XXXX day time frame for them to notify me of results are investigation i am requesting these accounts be deleted. It has damaged my ability to get assistance to provide for my family and I have been patient enough. 
Please delete now : 1. XXXX- account # XXXX 2.XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX These accounts are not mine and I have bee waiting past the 30 days for a response, update to my letter.

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 2022-02-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Contacted Mr. Cooper on XX/XX/23 to have my loan put on a 6 month forbearance due to losing my job. Everything was set up via phone call and I was told the forbearance would start as of my XX/XX/XXXX payment. I just received a bill today showing a past due amount and late fee for the XXXX payment. I called Mr. Cooper and they are saying they have no notes saying the loan was ever put on forbearance and that I need to bring the account current. When I asked to speak with a Manager I was put on hold for 10 minutes and then hung up on. All they have to do is pull the call from XX/XX/23 but I don't think they want to.This seems like a total scam to be able to collect fees and foreclose on the properties. This is also now showing on my credit report as a late payment. I need someone to step in and hold this servicer accountable. This company makes money hand over fist buying servicing from reputable mortgage companies and us consumers are stuck having to deal with their predatory practices. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX EXXXX XXXX XXXX  {$450.00} date opened 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 2022-02-01 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: MD

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MD

Complaint narrative:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
i have tried numerus times to get this account taken off of my account but the credit bureaus will not remove this fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have called repeatedly to ask for a lower interest rate. I have been a long time customer, and have never been late and in fact I pay the paymnt right after it gets on line. I also pay extra on it before the next due date. All they can say is they don't have a lower rate for me. nO REASON WHY THEY CAN'T EVEN THO i TELL THEM HOW LON g I have been with them no late payment and I pay extra. They are rude and mean.This company is Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MI

Complaint narrative:
In XXXX of XXXX, my Chapter XXXX bankruptcy was discharged. My mortgage was a continuing claim meaning I stayed in the house and continued to pay mortgage payments throughout and after the bankruptcy. 

XXXX and Transunion are not reporting my mortgage information even though the mortgage company reports to all three bureaus each month. XXXX is the only bureau reporting. 

My bankruptcy attorney and I have tried to get this rectified. My attorney talked with the mortgage company 's attorney and it was determined that XXXX XXXX is reporting the mortgage but the XXXX named bureaus are refusing to enter the information on my credit report. 

I was asked for a copy of my mortgage statement in XXXX, which I supplied but nothing has been corrected on my report. 

On my last conversation the representative at XXXX said he was completing the paperwork that should resolve the issue within XXXX days but that has not happened. 

When calculating credit scores, account mix is a relevant factor. The score from the bureau that is reporting my mortgage is XXXX points higher than XXXX and Transunion scores XXXX 

Their refusal to report my mortgage is costing me money in higher interest rates. I want to refinance my car loan, but I want the information contained in my credit report to be complete and accurate before I apply.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
In XXXX of XXXX, we had a house fire and the insurance company paid myself and the mortgage company, Fay Servicing, a lump sum of {$530000.00} in order to rebuild the home. I began construction in XX/XX/XXXX after delays due to covid, permits, and material shortages and I personally have invested {$200000.00} from my own funds in order to start building my home. Fay Servicing inspectors have come out to inspect the home and according to them the home is more than 50 % complete which warrants the mortgage company to release my funds. The inspector was told to purposely downgrade the inspection from 50 % to 39 % ( I have text message proof from the inspector ). Until today XX/XX/XXXX, Fay Servicing has only released {$60000.00} of the funds in order to build my home and is refusing to release the rest of my funds to rebuild the home. They have held my funds for such a long timeframe that at this point my insurance company is no longer paying for my temporary housing. I have explained to them on multiple occasions that because of their lack of urgency to release the funds I am in a situation where construction has halted, and I can not afford to pay the mortgage and pay for my own temporary housing. I feel that Fay Servicing is purposely engaging in deceptive practices so that I go into foreclosure and they can keep the funds that were meant to rebuild my home. I desperately need help and I can not afford to hire attorneys, pay for my mortgage, or temporary housing because all of my funds are invested into rebuilding my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I have a debt collector for XXXX $ i don't have any information about what o why is that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm has continuously treated me unfairly and refused to acknowledge and assist me, refused to research and cr report shows falsified amount of {$13.00} ; not only have they reported this FALSIFIED info of me owing them, I dont. They reported to the credit bureau since XXXX and denied me for almost 4 years by a false amount of {$13.00}. They failed to keep up with the returns and made up an amount and refused to credit my act fully. While they have a CLASS ACTION lawsuit for payment plans that encourage higher spending and make " returns tricky ''. dated XX/XX/XXXX the companys practices violate New York consumer protection laws. While they continue to be petty and violate my rights and ruin and disclose bad pmt history to the credit bureaus is outright WRONG. They need to remove bad info from my report and approve my history in any future transactions. With a rating of 1.5 out of 5, tells you a lot of who they really are-including the last class action suit. I spoke with XXXX in XXXX today XX/XX/XXXX as he was rude and refused to acknowledge the issue, Its their way or the highway. Does AFFIRM a financial inst. Not have to follow rules and reg as any other Finance company? Why do you allow this finance co to violate the law XXXX and treat customer unfairly? I fought and fought for years -see emails and still they get away with it. SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-01 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:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-01 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:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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