vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had locked my rate with Chase bank in XXXX of 2021, the rate lock product is a XXXX day conventional lock. I am building new construction so I wanted to take advantage of the current mortgage rates. I have near perfect credit with a XXXX score and am a chase private client customer. I did meet all the lending criteria and chase charged me a $ XXXX application fee, I have a fully executed closing disclosure which shows the rate lock and closing costs agreed to. 

Additionally, Chase uses XXXX XXXX to check consumer credit and has run my credit on 3 separate occasions, they shared they needed to re app my loan which I never agreed to. these hard inquiries had a XXXX point negative impact on my credit score and were done without my permission.

With the sudden raise in interest rates, chase is now adding new loan conditions which previously cleared. for example, My income was cleared already as I do 1099 consulting work and have been in the same industry for over 20 years now. Chase is now refusing to observe my income since I have been on my most recent client project for 22 months which they say is short of 2 years. This is not new news as chase locked my rate and knew this in XXXX of 2021. I also have additional W2 employment earnings, chase is not willing to observe my commissionable earnings for this role as they shared that is not 2 years as well. In total, chase is only observing 12 % of my total HH income which is supported by my tax returns and has been consistently the same for the past 5 years.

Chase came back and is now saying that I need to liquidate my 401K in order to get a loan and put more money down even though I again have the earnings to meet the debt to income ratios necessary. Chase has also increased my rate lock from 3.25 % to 5 % with additional closing costs. Chase has told me this entire time that my rate was locked and again there has been no changes to my credit or income. The activities by Chase are deceptive and I could use professional assistance. I missed out on a rate lock with alternate lenders as Chase assured me that my deal was approved. the difference will cost me over $ XXXX in interest over the life of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

Complaint narrative:
i have new evidence equifax is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AZ

Complaint narrative:
Conditional Acceptance Letter XXXX XXXX To Whom It May Concern, I agree to pay the following financial obligation regarding student loan account in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent and requested for you deliver to me the following : *Provide validation of the debt, that is, production of account and the general ledger statement. 
*Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX and XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' *A statement admitting whether you are the holder in due course or whether you are a servicer. 
*A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
*The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
*The CUSIP number under which my loan was securitized to. 
*|Make available for visual inspection my original wet ink promissory note ( not a digitalized or photocopy version ). 
Please provide the above and If you are unable to provide this proof as I have requested within 15 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ) By law, all collection activities must cease until this matter is resolved. Blatant disregard for this law is subject to fines by the FTC. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX, XXXX XXXX XXXX/ [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. There has been rounds of dispute and these accounts still remain. 

I am preparing to take this to a small court and recover damages immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: CA

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 Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* USDOE/XXXX XXXX USDOE/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/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 instruction 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 2022-04-22 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:
i have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure. I WANT TO KNOW ALL PARTIES INVOLVED SO I CAN CONDUCT MY OWN INVESTIGATION

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 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card was closed immediately without notice or any communication before closing please see attached documents

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 2022-04-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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 2022-04-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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 2022-04-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
on XX/XX/XXXX I submitted a dispute. The dispute came back as verified. I then wrote the bureau and asked for a reinvestigation. I went to check the status of the reinvestigation and could not see the results. My letter for reinvestigation was received on XX/XX/XXXX... The bureau submitted my dispute on XX/XX/XXXX ... and the results were ready by XX/XX/XXXX. on XX/XX/XXXX after waiting weeks to see the results of the dispute i called the bureau to find out why the dispute was completed without me seeing the results/outcome. I was told by a representative that the account i disputed would remain on my report even though i was never provided results or what i initially asked for in the reinvestigation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX XXXX XXXX XXXXXXXX XXXX Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I have addressed this matter numerous of times. I am preparing to take this to a small court and recover damages.

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 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN personal loan Doing fraudulent Bussiness Open an account using my social security On XX/XX/22 at their XXXX California location for {$6900.00} unsecured loan According to them they need a valid ID and paystub to open up a new loan which is why i asked them how could they use my social security number without a valid ID and pay stub for an application. 
Tried to dispute the loan but they said therea no way they can find the application under my social security so basically they cant help me on disputing the loan I live XXXX miles away from XXXX and haventt been there either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
In XXXX, I sent a debt verification letter to Portfolio Recovery to verify a debit they are reporting to the bureaus. There was not a inclusion of a written agreement and/or contract, but instead a bill. 

On XX/XX/2022, XXXX MST I called Portfolio Recovery. Im expressed my concerns over the documentation I received to a representative. She expressed that she was not able to understand the subject matter and transferred me to and a manager. After communicating my grievance to XXXX ( manager ), he informed me that I was bound by my social number. I told him that they didnt send me any verifiable information other than a bill to link me to the account and it was illegal for them to report to the credit bureaus. He stated 3 times that they would send me more information and documentation. I immediately informed him that we now have much larger /significant issue because they were supposed to send my all of the requested information. I also told him that I wanted a copy of the recorded line for admitting to retaining information needed to prove it was not me. He denied my request and stated we will agree to disagree ; call back tomorrow and talk to the dispute office. And forced an end to the conversation. 


This company is violating my FDCPA rights ( 1 ) for reporting to the bureaus without any verifiable proof the account belongs to me and ( 2 ) for withholding requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I decided to make a purchase of some dresses for my wife and used PayPal for payment.The seller told me that I will receive my order within 2-6 days, now is telling that I will receive it no less than a month or 45 days. accidentally l checked the invoice the shipment coming from XXXX XXXX it is an XXXX store. I can not wait so long for several XXXX products.so I am disputing this transaction, I don't like lying. And I do not want t pay for a products that I don't wear. Just in the invoice please check the website but I was told that it is a local store a little far from XXXX  XXXX of all the seller send the shipment after I made a dispute. My wife ordered from the seller some goods like clothes etc. from website https : //envofashion.com where the average price is {$50.00}, I paid {$370.00} Calculating I supposed t get 6-7 items and I supposed to get a medium or big box, instead I received an envelope 7 by 4.5 inches where the seller could fit no more as a postcard. The seller decided to send something via USPS and through tracking number USPS can decide that I received the shipment and Paypal closed the case to seller 's favor. Please ask the seller how much is the weight of the envelope.Just in case I attached the envelope to compare with XXXX size paper.The envelope came from XXXX, GA. Also the shipment came from a company XXXX XXXX, I googled and found their XXXX page https : //www.facebook.com/search/top? q=Jewelry % XXXX where they sell jewelry and whatches worth $ 10-20.couple of those could fit in the envelopei paid XX/XX/XXXX the shipment appeared on XXXX after i started the dispute and i am not sure what is in the shipment. if it is what i ordered i will cancel the dispute. Theseller reported somg government agency. I am requesting from Paypal and the seller to provide me any type of explanation to what was in the envelope, otherwise the seller 's only response was Tracking info provided by XXXX XXXX XXXX which is I XXXX Shipped by Other .And the buyer received the shipment, which is an envelope. Not PayPal not the seller don't provide me with any serious information to response, only threatening that there is a report somewhere. But in reality this is becoming internet fraud, because paying {$370.00} and getting an envelope with a postcard where PayPal is involved too, because the transaction was done through PayPal, which is reviewing seller 's information two weeks, usually it takes 5 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22 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: U.S. BANCORP
State: CA

Complaint narrative:
Billing Errors Pursuant to XXXX 15 USC 1666 ( b ) Please see attached documents

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I called XXXX to remove the debt from my credit report. It has been paid 6+ months ago and has not come off, even after phone calls to stop reporting. I am purchasing a home and it is directly slowing us down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I placed an online same day delivery order with XXXX XXXX on XX/XX/XXXX for a TV in the amount of {$480.00}. I was home the entire day and I didn't receive the TV as I anticipated, so I called XXXX XXXX the following day to inquire about the status of my package. I was told the package was delivered, however, I expressed to the representative I didn't get it. The representative opened up a claim and told me I'd get a response within 48-72 hours. I waited. Radio silence. I called XXXX XXXX again and I was told the same thing, again, I waited and nothing. 

I then decided to reach out to AMEX and discuss the situation, to which they opened up a claim. I waited for a few weeks to get a response, and I was ultimately awarded the credit. However, the credit was subsequently reversed after a few days. I called AMEX and they explained that the merchant sent over " documentation '' to support their claim. I asked for that documentation to be sent to me and they said I would receive it in a few days. I received it XX/XX/XXXX. All I received from AMEX was an exchange and return policy and a copy of the tracking information, which isn't at all reliable because it doesn't ascertain anything. 

Furthermore, I called AMEX again to have my claim reinvestigated based off that very vague and insignificant information. My claim was reopened again because the representative agreed with my findings. Then I noticed my claim was closed the following day. I called AMEX and asked why my claim was closed : I was told because XXXX XXXX sent over " additional '' information. I asked the representative to specify what it was and she explained that it was allegedly a text exchange between the delivery driver and I. I didn't have any conversation with anyone that day regarding my package, therefore it was completely false and fabricated. The representative even noted that my number didn't appear on the text exchange ( interesting ), so she reopened my case on those bases. The case was closed the following day, yes, again. I called and asked what else can be done and I was told I could write a letter, as I obviously didn't have any additional documentation to support my claim. I wrote the letter on XX/XX/XXXX. ( What documentation would I have for an order I was supposed to receive that didn't arrive? ). Fast forward, on XX/XX/XXXX my case was closed. I exhausted all of my resources at this juncture. This is my last resort.

Company response to consumer: Closed with monetary relief