vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Fraudulent Account JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, On XX/XX/XXXX, there was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the XXXX XXXX XXXX XXXX. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. My credit and life have been ruined due to your negligence. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GA

Complaint narrative:
High I'm reaching out because I recently got my equifax credit report # XXXX and I've noticed these hard inquiries on my credit report that I don't recognize or gave written consent to anyone of them. I have rights under 15 usc 1681 that state Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I ask these inquires be looked into and verified along with proof of verification. If said inquires can't be verified or shown proof I ask they be removed from my equifax report XXXX XXXX did a inquire on XX/XX/XXXXXXXX XXXX XXXX # XXXX did inquires on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX did a inquire on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
For nearly a year now I have been charged {$14.00} on the third of every month from XXXX for a XXXX  membership. My XXXX XXXX  membership is a student yearly, not monthly. Upon looking into these charges further, I found an unknown and fraudulent account had access to and was using my credit card to subscribe to these monthly charges. XXXX is not able to remove my credit card because of the lack of profile verification, and Apple has said that it is between me and XXXX. Neither side will help, but Apple is being the most blithe about the situation. While XXXX does refund me the {$14.00}, that doesn't solve the fact that someone out there is still getting away with this. 

I am looking for Apple to block any incoming charges from XXXX  so that this isn't an issue anymore. Apple has said they don't have the capabilities to block charges from certain retailers, but the bank where I have an account can block retailers, which leads me to believe Apple is lying and doesn't want to deal with this issue. If Apple can not block certain retailers like their representatives claim, they I need a new card with new information so that I am not continuously charged {$14.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: FL

Complaint narrative:
I sent in letters disputing items on my credit report but haven't received an update about the results.

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 2023-01-05 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:
I sent in letters disputing items on my credit report but haven't received an update about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car 3 1/2 years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork

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 2023-01-05 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 — Problem with personal statement of dispute
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.

Complaint narrative:
Dear Everyone, Unfortunately, the system won't let me log in, so I can only email you. 


Complaint id XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the credit union trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case one more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Deceptive trade practices, Fraudulent misrepresentations during application process. On XX/XX/2023, I contacted Loan Depot for a refinance. I contacted them based on an advertised rate I found on XXXX. XXXX XXXX was the loan XXXX I was working with. I informed XXXX I was responding to advertisement I found on XXXX. She informed me that she could provide an even better offer if I was well qualified. I agreed to provide all the information she requested. She then proceeded to make me an offer that she presented as far better than what was advertised. I specifically asked her to reiterate the offer. She said I can get a 4.625 % rate on a 15 year fix loan with a {$7000.00} lender credit. I asked her twice to confirm that I heard her correct. She confirmed, but refused to provide an loan estimate unless I did the full application and gave her my credit card. Then I agreed to proceed with the full application. When I received the loan disclosures along with my application for signature, I noticed that there was no lender credit, but rather I was being CHARGED nearly {$25000.00} for points! I objected to this charge, and request the have the XXXX offer instead with zero points. In response, XXXX proceeded to lecture me about how much money I would save with her loan. She is dishonest, deceptive and a flat out liar. She should not be licensed to sell loans. I was conned into proceeding with an application on false pretenses. Luckily her company records all conversations. First, she plainly admitted that the XXXX ad was false to intentionally direct traffic to her company and that they would not honor that offer. Then she proceeded to apply deceptive and fraudulent tactics to overcharge me for points that I specifically and repeatedly told her I didn't want. This kind of behavior erodes the publics trust in institutional lending, is a deceptive marketing practice, and flat out fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I never received a VALIDATION notification via mail or electronically, from this company, if they did send one, I'm requesting Proof of Delivery. 
I have also disputed this on all 3 of my credit reports, which I did have success with XXXX and XXXX, however it keeps coming back VERIFIED each time I have disputed with XXXX even though I provided documentation of the collection being removed from my other credit reports. 
I also don't understand how they are reporting TWICE on my credit report, with the same " Opened Dates '' and " Original Creditor '', just different balances, and the account numbers are the same except for the last two. 
This company 's violations have affected my credit negatively for the the last 3 years. 

I am demanding the two accounts be removed from my credit report. 
I am also demanding remedy for the following : Fair Debt Collections Practices Act 15 USC 1692g, 1692e, 1692f, 1692k FCRA 623 ( a ) ( 3 ) 623 ( a ) ( 1 ) ( a ) ( b ) Ignorance of the law is NO EXCUSE and being willfully non-compliant comes with a price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have attached the complaint under the " Attach Documents '' section. It was a little long to try to copy into this box.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: FL

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. 

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # 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 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020, myself and my underage minor son, XXXX XXXX went to the XXXX XXXX XXXX XXXX XXXX for an urgent XXXX XXXXXXXX test. My underage minor daughter, XXXX XXXX had been to the same clinic 2 days prior for the exact same test. We were all seen by the same doctor and had the same test performed- a simple rapid XXXX XXXX test. At the time I had XXXX XXXX XXXX XXXX insurance. 

Many months after the tests, I was sent direct payments cover part of the payment owed the hospital. In all I recieved different payments for each of us, as were entered into the billing systems with different billing codes. All checks I received were given IN FULL to the billing office at XXXX XXXX XXXX XXXX XXXX XXXX. They did not cover the original billed amount, but the agreed upon insurance covered amount. 

Unfortunately the staff at the XXXX XXXX XXXX XXXX XXXX allocated the funds incorrectly and overpaid some of our accounts ( XXXX ) and underpaid some of our accounts ( XXXX ), making it appear as if the account was unpaid. In all, the medical facility received all payment owed for the XXXX covid XXXX tests for all 3 patents. 

After many many months ( at least 8 months ) of disputes between the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and myself, the matter was finally resolved by management at the XXXX XXXX XXXX XXXX XXXX and the accounts were closed as paid and in good standing. The matter was closed. 

More than XXXX year later, I received a DEBT COLLECTION notice out of the blue from a company called S.W. Recovery Services saying I owed {$3200.00}. They did not reference when services were performed, for who, or any other details. I disputed the claim with them. 

They next sent me by mail and old bill from XXXX 's early visits showing the unresolved payments for the XXXX XXXX test from XX/XX/2020. I told them this matter was complex, had a lengthy dispute, was more than XXXX XXXX XXXX and had been resolved as closed and paid. They continued to threaten me with credit bureau reporting and legal action. 

How do I get them to stop trying to collect on this matter? It is not a valid claim. It was a closed, paid account. And it was an early XXXX XXXX test that became eligible to be paid in full without medical insurance REGARDLESS. No other services were rendered at that time besides one XXXX  test for a XXXX XXXX XXXX child. 

Thank you for your help in this manner. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has verified a fraudulent account without providing me an " Investigative Consumer Report '' under 15 USC 1681ae for XXXX XXXX. It must be provided from the CRA 's on the information I have disputed. Experian customer service says " that only the creditor is supposed to provide me the information in order to determine the accuracy of my report which goes against federal law. Another thing Experian also deny my right to dispute incomplete/ inaccurate information on the consumer report which violates FCRA XXXX They're online system won't even allow me to dispute. You have to call in & if a lender is link to an account, they're representatives will refuse to dispute. 

As a consumer, do we have to put together a class action lawsuit for Experian to update they're XXXX XXXX system which violates consumer rights under FCRA? They're absolutely no legislation that claims " if a creditor is link to any personal information, you must contact the creditor first even though that creditor is fraudulent in the first place & some creditors do not engage in DIRECT DISPUTES.

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 2023-01-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: RI

Complaint narrative:
Received a notice of pending forced placement for insufficient flood insurance, shortage of {$7800.00}. Property is owned by my husband [ XXXX XXXX ] who became sole owner after the death of his mother [ XXXX XXXX on XX/XX/XXXX ]. Current flood coverage is {$180000.00}. XXXX XXXX is +/- {$140000.00}. Previously notified by PHH that no further advances on this reverse mortgage are allowed since the borrower is deceased. Per FEMA the maximum allowed flood coverage a lender can require is the lesser of these three items : {$250000.00} as the max allowed in the Regular program, or the current UPB or, the maximum line/loan allowed on the reverse mortgage. Since no further advances are allowed the maximum coverage should be the current UPB. I scanned my request for re-consideration based on the above logic on XX/XX/XXXX. I received emailed notification from PHH that no reconsideration would be granted on XX/XX/XXXX and they will proceed with forced placement .PHH XXXX XXXX XXXX  is the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: LA

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 Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 response to consumer: Closed with explanation