vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received from my home insurance company a cancellation of policy, upon review of the escrow balance it was noted that JP Morgan Chase had not paid our homewoners policy. 

I contacted JP Morgan Chase on XX/XX/XXXX, they indicated they had paid a policy in XX/XX/2021, our home policy runs XXXX to XXXX. Upon further research it was found JP Morgan Chase Escrow Service had paid another XXXX 's policy in my town with the name XXXX XXXX from my Escrow. 

We held a 3 way conference call between JP Morgan Chase Escrow and the other person 's insurance company. The JP Morgan Chase representative was blaming the other parties insurance company, after further review the other insurance company confirmed JP Morgan Chase had indeed sent the funds. 

I have been trying to get my escrow funds restored, clearly JP Morgan has made a mistake, no " supervisor '' or decision maker is available to resolve the issue and they do not want to accept accountability for their mis-handling of escrow funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22 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 HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
We entered into a Cares Act mortgage forbearance in XXXX with Flagstar Bank. Our forbearance time was up in XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and let them know we couldnt make the current mortgage payments and wanted them to reduce our payments as per the Cares Act. They didnt respond to me until XXXX of XXXX. I called multiple times between XX/XX/XXXX and XX/XX/XXXX to check in because I was told it would only be 30 days to get a response. Each time I was given a different answer. When I received paperwork from them in XX/XX/XXXX the interest rate on our loan was not changed and our mortgage payment actually went up. According to them since there was an escrow analysis the payment was actually XXXX dollars lower. They told me that their investors would only allow this payment amount and no change to our interest rate. I told them I didnt want this new option and wanted to just do the partial claim instead. They sent me the contract for the partial claim in XX/XX/XXXX. My husband and I signed it and sent it back to them in XX/XX/XXXX. I called Flagstar Bank in XX/XX/XXXX to see if they received the contract because we were still getting collection calls from them and nothing updated on our online account. I was told they did receive the contract and processed and recorded it. I was also told that once I made the XX/XX/XXXX payment on the first our mortgage would reset to the new terms and we would see the new information on our online account and our next statement. The online system would not let me pay so I called Flagstar Bank on Monday XX/XX/XXXX and made my payment with a staff member over the phone. Today XX/XX/XXXX I received my statement. Nothing has changed. Nothing online has changed. We are showing as delinquent with XXXX XXXX dollars due immediately. Today is a Saturday and I cant call them because they are closed. Weve done everything required of us under the Cares act and Flagstar Bank has not followed the law.

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 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Fidelity Services, LLC
State: SC

Complaint narrative:
I received a phone call on XX/XX/2022 at XXXX am EST by this third party debt collection company. The representative I spoke to ( XXXX XXXX stated that the company was a third party agency and the purpose of the phone call was to collect a debt. She stated the debt was owed to a loan company. The alleged amount owed was {$2100.00}. I asked her to give me the name of the loan company and the alleged account number. I also asked her when this loan company originally contacted them to collect this alleged debt. The representative stated the debt was passed off to them on XX/XX/2022. 

I then received a letter/statement from this third party debt collection company stating the alleged amount owed, which was {$2100.00} to the loan company. The letter/statement also advised that I should respond to them no later than XX/XX/2022. 

I sent a letter of debt validation via certified letter on XX/XX/2022 to the debt collection company. I gave 30 days notice for the company to respond and provide me with the information that I requested ( validation of the debts they say I owe, a true bill and not a statement, and a completed government employee questionnaire ). 

I then received another letter from the debt collection company dated XX/XX/2022, which stated that they had received my letter for " debt verification '' and that I should be advised that they had been in contact with their client, the loan company, and that the loan company provided them with my alleged information and the alleged amount owed. They did NOT provide me with a TRUE BILL or VALIDATION of this alleged debt. Again, they stated this was " debt verification. '' The debt collection company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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:
XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.

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 2022-05-22 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:
XXXX, XXXX AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORTS. THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

XXXX XXXX XXXX XXXX This is not my account. Please delete.

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 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. SYSTEM, XXXX Account # 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
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX. SYSTEM, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-05-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX  XXXX Account # : XXXX ; XXXX Account # : 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 : 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
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase is an online crypto currency exchange that allows for buying and selling of various crypto currencies They allowed me to transfer my funds from my XXXX XXXX to them ( XX/XX/XXXX n XX/XX/XXXX ), allowed me to purchase their product ( XXXX ) and then immediately locked my account from selling or buying or withdrawing XXXX fell more than 30 % in price and they denied me access to sell ( after allowing me to buy ). I lost a lot of money due to this and still can not sell my purchased product. 
They kept citing ID verification despite the fact that ( 1 ) been a member since 2016 ( 2 ) they allowed me to transfer funds and buy without ID verify ( 3 ) I have submitted numerous times my drives license, my camera pic, my camera pic with handwritten note

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Oklahoma Student Loan Authority
State: NY

Complaint narrative:
I received federal debt discharge ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/2021 ; OSLA account shows XXXX balance ; Has been reported as delinquent to all 3 credit bureaus ; Credit is now ruined and my accounts are being closed from other credit granters. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Credit collection services is trying to scam me and make me pay a debt I never had. Saying I owe XXXX XXXX XXXX when I dont even use them. I have XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email stating my credit card was blocked and asked to update my payment method. It claims it is XXXX. I took a screen shot of the scam email and havent deleted it yet.

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 2022-05-22 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: TX

Complaint narrative:
So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my Federally Protected Consumer rights.

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 2022-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CFPB THIS IS NOT A DUPLICATE COMPLAINT. 

Dated on XX/XX/2022 CFPB Complaint ID : XXXX XXXX stated We take our customer service and consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. 
I, XXXX XXXX, a federally protected consumer, am filing this with the Federal Agency Consumer Financial Protection Bureau against the company Resurgent Receivables LLC. 
I am aware Resurgent Receivables LLC is attempting to collect an alleged debt from I, XXXX XXXX, and I refuse to pay the alleged debt. I am aware Resurgent Receivables LLC is in noncompliance with the law 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. 

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
I am also aware that Resurgent Receivables LLC has my private and personal information in their possession which is my name, date of birth, social security number federally known as Credit Card ( Pursuant to 15 U.SXXXX Code 1602 ( l ) ) without my consent and furnishing it to the public ( Credit Reporting Agencies ). Resurgent Receivables LLC stated With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus. if eligible. Currentlv. this Account is being reported to the credit bureaus on behalf of the Current Owner. I did not give any written instructions or permission to Resurgent Receivables LLC to purchase any account which helps me understand Resurgent Receivables LLC is in violation of The GrammLeachBliley Act. 
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. I have demanded Resurgent Receivables LLC to delete the account from all credit reporting agencies and cease all communications, resurgent continues to be in noncompliance. I do not want these company furnishing my private information. I have a right to privacy as a consumer and Resurgent Receivables LLC is in violation and must be held liable for all unlawful actions. I am demanding payment of all the violations mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: I.C. System, Inc.
State: AL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

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