vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Urgent <p> Extension to the previously filed complaint # XXXX submitted XX/XX/XXXX <p> On XX/XX/XXXX, at XXXX XXXX an aggressive man, hired by JPMorgan Chase Bank banged on my door and demanded I open it. I was in fear and did not open the door to him. The following morning, posted on my front door for anyone to see was a lawsuit labeled from JPMorgan Chase Bank NA v XXXX XXXX ( me ). After my previously filed, and closed CFPB complaint, and regardless of my conversations with my creditor, my letters sent certified, and their receipt of {$12.00} XXXX in American Rescue Act Funds, meant to help people struggling with debts during a global pandemic, they sued me and successfully won the award of {$30000.00} on XX/XX/XXXX. The case was presided over by XXXX XXXX XXXX. 
XXXX Though I am unemployed and have no retirement fund, savings, or other assets, I am selling my home to pay the debt I owe them. Presently, I am in escrow which is supposed to close on XX/XX/XXXX. The hold-up is with JPMorgan Chase as the escrow officer is dealing with the matter has stated. Her address is : XXXX ( XXXX XXXX XXXX ) <p> Though my future is bleak, and I have nothing but this condo, I am selling it so I can pay JPMorgan Chase Bank. I wish to pay them directly and not some third-party attorney. I wish to pay them the award amount of {$30000.00} without post-award interest per the proceedings. I wish to pay them on or before XX/XX/XXXX but I can not do that based on how they've set things up. 
XXXX I ask the Consumer Finance Protection Bureau to connect me with the legal ( or appropriate ) department at JPMorgan Chase so that I may sell my condo and pay them their award. I need to do this quickly because we are scheduled to close in a matter of days. I don't agree that I owe any more that the award with was thousands more than I ever borrowed. Know that they only escalated my debts during the pandemic, and then sued me for more though they accepted government funds that was meant for the people. I would appreciate a contact person, with email address and phone number who can quickly address this matter, and accept my payment of {$30000.00} per their award WITHOUT POST JUDGEMENT INTEREST. 
XXXX> Every cent matters to me. My situation has only worsened since they were awarded this judgment and I need help clearing the debt. Further, you should know JPMorgan Chase was not required to provide the agreement between us during the proceedings, all calls and correspondence were not provided during the hearing, and they weren't required to mail me any warning letters because I had signed up for electronic statements. This should change for all consumers protection. 

Thank you for your swift assistance. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a pair of shoes on XX/XX/2023 from XXXX using my citibank credit card. XXXX is a company that is supposed to act as a middleman to verify the authenticity of shoes. When I received the shoes I tried to verify them myself and I determined they were fake through using a verified XXXX channel that compares real vs fake shoes. The shoes I received were consistent with the fake pair the XXXX was displaying. I submitted a claim to XXXX within their 3 day guarantee they denied it based on saying I did not submit the correct pictures. I believe that this is impossible because you can not click submit on the form until all the requirements are satisfied. Then I tried to resubmit this claim with the shoe company and they denied it. This is when I escalated it to citi bank. After their investigation and receiving information from the shoe company, Citi gave me about a month to respond. In all honesty I had drawn up an email to Citibank on my phone with all the requested information and believed I sent it. However about a month after I thought I sent it I checked the Citibank phone application and they said they never got the email I sent and ruled in favor of the merchant. After asking them to reopen they declined, and now Im responsible for paying to fake shoes that I bought from a company who are supposed to verify that shoes are legitimate.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam , I am writing to express my deep concern and frustration regarding the lack of action taken by your organization to address the fraudulent accounts on my credit report. It has been well over 30 days since I first reported the identity theft, and despite providing all necessary documentation, the fraudulent accounts remain on my consumer report. This letter serves as a formal complaint against the credit bureau for failing to take appropriate action in removing these fraudulent accounts. 

To support my claim, I have attached a copy of my identity theft report, as well as my social security number and a form of identification for your reference. These documents clearly establish the fact that my personal information has been compromised and used without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate information on my credit report and expect the credit bureaus to promptly investigate and correct any errors. However, in this case, the credit bureau has failed to validate the authenticity of these fraudulent accounts before furnishing them onto my consumer report. 

I hereby demand that you remove the following fraudulent information from my consumer report within four business days : 1. Account Name : XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX Account Number : XXXX 3. Account Name : XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Furthermore, I would like to bring your attention to the fraudulent addresses associated with these accounts, which were included in the report without proper verification : 1. XXXX XXXX XXXX, XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX Please understand that failure to comply with this request within the specified time frame will leave me with no choice but to pursue legal action under the provisions of the FCRA. As stated in Section 616 of the FCRA, any willful violation of the Act may result in a penalty of up to {$1000.00} per violation, and I will not hesitate to seek remedies for each instance of non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the errors on my credit report. I expect to receive written confirmation from you once these fraudulent accounts have been completely removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RFNA, LP
State: MS

Complaint narrative:
I told Republic Finance in XXXX XXXX to pick up car as I could not pay for it. Car was picked up in XX/XX/XXXX. I called Republic in XX/XX/XXXX at the main office was told car was sold & I owed XXXX XXXXXXXXCredit report shows in involuntary repossession & balance of & XXXX. Have disputed several times never changes. So where is car? How much was it sold for? How much do I owe. Never disclosed as per state repossession law. This a mismanaged Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Citizens One has been auto drafting my monthly payment each month since I opened the account. XXXX XX/XX/2023, I called Citizens One and asked to stop my automatic withdrawals from my account. I was told by the representative that I have to have automatic withdrawals for that particular loan. I told the representative that I was pretty sure that is against the law and was advised there is no way to remove any of my account information, previous or current, and no way to stop the automatic withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NCB Management Services Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I received a letter from NCB Management Services , Inc stating that my personal information has been affected and compromised. NCB claim on XX/XX/2023, NCB discovered that an unauthorized party gained access to NCB 's systems on XX/XX/2023. After a thorough investigation, on XX/XX/2023, NCB confirmed that MY information was accessed by the unauthorized party. NCB claims that the unauthorized party no longer has access to my information. I'm highly upset as I was never aware of this company until they sent me a letter. How did this company NCB get my personal information? I never had an account with this company nor did this company have a permissible purpose to access any information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to LVNV Funding back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX and HSBC have violated my rights. Under 15U.S.C1681 SECTION 602, states I have the right to privacy. Under 15USC81 SECTION 604A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC SECTION 1666B a creditor XXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/2023 To Whom It XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A criminal was able to withdraw {$3700.00} from my GS-Marcus savings account just knowing my acct #. That money was transferred to a crypto currency exchange under a different name than mine! GS-Marcus website states that withdrawals can ONLY be made to EXTERNALLY LINKED ACCOUNTS, but the crypto-currency account ( with a different name than mine ) was NOT EXTERNALLY LINKED. 

GS-Marcus did not detect that unauthorized transfer- I did and notified them. After completing and sending back an unauthorized transfer form, the {$3700.00} was credited back to my account WITHOUT THE INTEREST DUE. I detected that after logging into my account. GS-Marcus never notified me of that credit. 

Despite numerous requests, an explanation was never received. That is in violation of CFPB Reg E which governs EFTs : " A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer [ Goldman/Marcus NEVER REPORTED THE RESULTS TO ME ] within three business days after completing its investigation. '' https : //www.consumerfinance.govXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On approximately XXXX XX/XX/20 I noticed that I was being charged {$21.00} by comenity bank XXXX XXXX I called the company and spoke to a representative and they told me I was being charge by XXXX to a credit card that was closed. Comenity then open that XXXX without my permission. I have an XXXX credit card link to my XXXX XXXX  so I know that couldnt be the case. The representative told me that she will use a {$30.00} reward to cover that balance and I asked to closed that account. Then I received another letter stating that I still owe that amount and with late fees, the amount went up to XXXX. I never authorized comenity to open that account in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It has still been discovered that the credit bureau Experian is still reporting a inaccurate address on my report. I sent a letter certified with my identification showing the address that should be reporting. They stated my current address is reporting however they are stating that a previous address is still reporting as accurate. I am steady telling them that the alleged previous address should not be reporting. I contacted the companies that are reporting this inaccurate address and have advised them that the address they have is not reporting correctly. These companies have advised me that they do not show a previous address that Experian is reporting so why does Experian keep knowingly reporting inaccurate addresses? I also contacted the other two credit bureaus XXXX and XXXX they stated they don't have a previous address showing, they only have a current address. I have attached proof that this address alleged previous address are not reporting with the other bureaus. Everything being reported a consumer 's report has to be reporting 100 % correct and it is not. 

According to Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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