vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/XXXX my daughter, XXXX, who was. a XXXX  at the time, received a notice from LJ Ross & Associates for a medical bill. I contacted them to correct the information and put me, her parent, as the guarantor and was provided the details of the expense. There should not be any collection account on her credit report as the debt is not owed by her. I agreed to pay the bill to them and provided my debit card information. They were to take three payments, one per month, of {$72.00} starting on XX/XX/XXXX. They deducted payments and I assumed this was resolved. 

Today, XX/XX/XXXX, I received a call from LJ Ross & associates. They spoke to my daughter and told her that since she is the patient she owes the money but they could not confirm what or when the services were rendered ; only that she owes it because she is the patient. That is incorrect. I contacted the provider who was unable to locate any record of her or me with a balance due. Upon further investigation I was able to find my own documentation regarding this arrangement. 

LJ Ross & Associates was made aware nearly two years ago and confirmed that this debt is not owed by my daughter. They agreed to a payment plan with my banking information to take monthly payments. and corrected the error to ensure that the debt is in my name. 

Today this call came to my daughter with an emphatic agent insisting that my daughter owes the money but could not explain what it was for or when. Further when she was told that the patient, my daughter, is not the guarantor, she stated that she owes the money because she is the patient. That is false. 

Lastly, no letter or phone call indicating that there is anything outstanding owed. She stated that a letter was sent in XXXX of XXXX to the address on the account which had forwarding and neither of us resided in for over a year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Valorem Lending LLC
State: AZ

Complaint narrative:
We completed an appraisal on behalf of the mortgage company and VA for use in the underwriting of a VA mortgage loan. The mortgage company has not paid for the appraisal services and has certified at the time that the order was placed that funds were collected and being held for this payment. The order requester XXXX XXXX XXXX ( NMLS # XXXX / AZ license # XXXX ) has misappropriated funds in the lending process. 
Funds collected from the veteran borrower to pay for the appraisal were never forwarded to the appraiser for payment of services. 
The appraisal was completed on XX/XX/XXXX. A total of 6 invoices have been sent. the VA regional loan center has been made aware of the non payment. 
A search of the XXXX website shows that XXXX XXXX XXXX  is a trade name of Valorem Lending LLC. Valor lending was contact by email and phone on XX/XX/XXXX. The receptionist confirmed that XXXX XXXX XXXX is doing business under there name. Received payment on XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone was about to get in my savings account and deposit out multiple transactions in the amount of {$80.00} 16 times. I got in contact with chase bank and filed a claim and they denied me saying they could not find any evidence that my account being tampered with and then told me the transactions was made using my phone. I asked what do I need to do to get my money back they told me to file police report. I filed a police report and fax it to the claim team and they told me they never received it. I fax it over again and when they finally received it they denied it. I asked about sending my bank statements and they said they did not accept those. I asked the person well what I can do and that I was even at work when these transactions was made and he told me to get my clock in logs to show I was at work during the time. I finally got ahold of those from my job and sent them over and now they denied those saying that's not enough evidence to reopen my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXXXXXX  I accepted a balance transfer promotional offer from Chase. The terms of the balance transfer were : 0 % variable APR based on the Rate through your billing cycle that ends in XX/XX/XXXX XXXX with a transaction fee at initiation of 5 % the amount transferred. 

The attached XXXX statement reflects the application of the {$12000.00} balance transfer and the {$600.00} transaction fee. 

I pay the statement balance of this card automatically every month. There was no adequate indication that the statement balance would include the balance transferred under the promotional terms. The automatic payment options on this card are : " Statement balance, '' " Minimum payment, '' or " Fixed payment. '' There is apparently no option for a responsible person to arrange an automatic payment that recognizes the explicit terms of a balance transfer. 

The attached XXXX statement, the very next month, reflects an automatic payment of {$12000.00} ( plus {$96.00} in actual card charges ). 

I called Chase today to attempt to rectify the situation. The agent acknowledged that other cardholders had called with this same difficulty! I was transferred to the payments department. The only resolution they would offer was to reverse the payment, placing the {$12000.00} back onto the Chase card **at the card 's APR of 18.99 % **. Under virtually no circumstances would this be a prudent financial decision. Then I suggested they could refund the transaction fee of {$600.00}. The agent attempted to do so twice and was instantly declined twice, raising the question of what sort of adjudication, if any, is actually applied in these situations. 

With this practice, Chase lures customers to transfer balances up to their credit limit, using an attractive interest rate, collects a generous transaction fee, obtains repayment on a schedule that is inconsistent with the explicit terms of the offer, and then attempts to further gouge the customer at their standard rate. This is further predatory as it victimizes consumers who need their money back enough to justify a usurious interest rate. 

I am a responsible user of credit and to be targeted this way is the exact type of abuse the CFPB was designed to protect against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In receipt of letter dated XXXX XXXX XXXX from Bank of America. I respond as follows : 1. I never made any request to have the address changed. When you change the address you have to sign for it with the post office. 
2. You provide copies of everything except proof from the postal service that a change by me or XXXX XXXX was requested. 
3. If an address change was requested, then why were the mortgage statements, 1099s, and other correspondence from BOA still coming to XXXX XXXX XXXX, XXXX, Va XXXX? 
4. In XXXX, when I spoke with your Bank rep, in search of my 1099 to file taxes, he said the address had been changed to XXXX XXXX XXXX, XXXX, Indiana. Please note that the first part of the address is the property address and the city and state portion of the address are where XXXX XXXX currently resides. This looks suspicious. 
5. In your response to the XXXX  inquiry, you admitted in your response that I was a victim of " fraud. '' I never requested to change the address. I will swear to this in any court of law. Please provide the proof. I think you are not being truthful, but I know your security and access logs for that account will tell the truth. Will you provide the access and security logs for the XXXX  - present? If you are being truthful, then the access and security logs for this account will reflect that. Please let me know if i have to create a formal request and mail it to the address located in your letter dated 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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.

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 2023-05-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
To XXXX XXXX EQUIFAX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
To EXPERIAN XXXX XXXX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.

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 2023-05-31 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 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 2023-05-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX, XX/XX/XXXX - XXXX original credit limit was only {$300.00}. The account reports a payment of {$60.00} on XX/XX/XXXX and shows the account was in good standing in XX/XX/XXXX. It is reported as 30 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. It does not report the final payoff or closed date. 

XXXX Mortgage XXXX XX/XX/XXXX. Does not report payment history from XX/XX/XXXX to XX/XX/XXXX. The mortgage was in forbearance due to XXXX XXXX and was modified in XX/XX/XXXX. The payments were not late as the account was in forbearance. 

XXXX Mortgage XXXX XX/XX/XXXX - This Account was refinanced after divorce and this should have been closed as of XX/XX/XXXX. See account right above for clarification, new loan was opened in individual name in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX- This account was refinanced with XXXX Mortgage services in XX/XX/XXXX. There were never any missed payments.

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I originally had a savings, a checking, and a credit card account with XXXX. When they ceased operation and the accounts were transferred to Citizens Bank on XX/XX/XXXX, soon after that I contacted Citizens and closed my savings and checking accounts. I never received a new credit card from Citizens Bank. I'd moved on to use other bank and credit card. 

On XX/XX/XXXX, there was a {$10.00} fraudulent overseas transaction on my Citizens credit card, I did not notice the transaction until XXXX, when Citizens notified me by mail the balance was overdue. I contacted customer service at Citizens on or about XX/XX/XXXX and the representative put the card on hold, and requested I speak to " fraud department '' to remove the transaction. However no one answered after a 40 minute wait. 

On XX/XX/XXXX, I contacted Citizens again. I spoke to a customer representative about the fraudulent activity and again was transferred to the " fraud department ''. No one came to answer after an hour wait time. 

I wish to have the issue resolved and my Citizens credit card be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In accordance with the fair credit reporting XXXX account Affirm ID XXXX, has violated my rights. 
15 USC 1681 section 602 states have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on account under an open consumer end credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im trying to enroll in online banking using my debit card number and pin but the system doesnt recognize the information. I also tried to activate the card by phone and same issue, the system is not working. 
Can you please send a pin reminder to my mailling address or tell me how to activate the card and enroll without issues. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
NEW COMPLAINT : Pentagon federal locked my account AGAIN. That is 9 times this year, and for ***REGULAR*** payments and expenses I make. This is beyond ridiculous. Every call to them takes an hour to fix this, and usually requires more than XXXX call to fix. This is inexcusable. 
Pentagon Federal also was unable to fix the lock throughput the ENTIRE HOLIDAY WEEKEND which is also inexcusable. They seem to be fraudulently holding funds without reason and without the proper Personnel available to remedy the situation. These things violate the bare minimum expectations of a consumer towards their Bank and they need to be addressed.

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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
Im a victim of rental scam and I lost {$1000.00} this happened in XX/XX/ I called my online bank and let them know they made a dispute said it would take about 45 days and like 2 or 3 days they denied my dispute did not get my money back at all

Company response to consumer: Closed with explanation