vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
As part of a loan modification with SN Servicing, I was required to make 2 " good faith '' payments followed by 3 trial payments. My issue arose when I saw that the due dates between the last good faith payment and the first trial payment were only one day apart effectively requiring 2 payments at once. I made all 5 payments required for the modification to take effect but due to the due dates being so close together, the first trial payment was made after the grace period before a late fee would be assessed. I continued to make all monthly payments within 30 days of each payment but because that first payment was late, SN considered me a month behind and charged me late fees each month until I was finally able to get " caught up '' by their definition and make 2 payments in one month about 7 months later. This resulted in late fees on my account totaling {$580.00}. I have since explained my position to SN multiple times via emails and have requested the late fees on my account be waived. After multiple attempts and even advising them I would file a complaint, I still have not received any response to my inquiry other than one email stating a new account manager is handling my account. I contacted this individual as well and still am not getting any replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to the Chase branch located on XXXX XXXX XXXX in XXXX. I deposited {$1100.00} at the XXXX ATM ( there are 2, I used the one on the right. When the transaction was complete, the ATM reported I had deposited {$1000.00}. I checked my surroundings, the floor, the rest on the ATM, and my wallet to confirm I hadnt stashed the {$100.00}. I was unable to locate the money.

I immediately went to the teller who said there was nothing she could do and that I should call XXXX to submit a claim. She provided me the ATMs ID, XXXX 

I initiated the claim when I got home, they deposited {$100.00} in my account while they investigated, and I was told it could take up to 3 months for a resolution. 

On XXXX XXXX I received an email informing me of a letter that has posted to my account. It was an update to my claim stating they found no discrepancies in their investigation, hence theyd be withdrawing {$100.00} from my account after XXXX XXXX.

I called the claims department again to dispute the finds. The advisor who first answered my call stated there was nothing he could do since he had no access to the backend team that actually investigates the claim. He said all I could do was go to the bank and ask the teller for video proof to support my argument. I told him that didnt make sense, why should I have to be inconvenienced again? How wasnt that Chase was unable to obtain that information with me having to go and personally request it from the branch. The advisor became combative and tried to speak over me, then he said he wouldnt be able to assist me if I didnt let him speak. I highlighted that it was him who began speaking while I was still trying to relay my message. Seeing as how there was nothing he could do nor did he seem interested in helping me, I asked to speak to a superior or their customer relations department.

After a short wait, I was connected with his supervisor. She never identified herself, but listened to my retelling of the events and placed me on hold to review the notes in my case. She stated that theyd sent a technician, she didnt specify when, and that they didnt find anything wrong with the machine nor did they find a discrepancy in the funds to support my claim hence theyd not credit me the disputed amount. 

The supervisor said that I should get the receipt or see if the teller could support my claim. I explained that I received an e-receipt but that was for {$1000.00}, not the full deposit of the {$1100.00}, and that a teller had not assisted me so they couldnt speak towards the event. 

I deposited {$1100.00} because I had to make a payment for {$1100.00} to my XXXX XXXX XXXX. I did not walk to the bank, hence it isnt a possibility that I dropped the money. Id been driven to the front of the bank and I counted the money in the car before stepping out. I deposited {$1100.00} but chase is disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: OH

Complaint narrative:
I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

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 2022-08-03 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: OH

Complaint narrative:
I reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX XXXX three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXX bank XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING, for committing identity theft. I have never given MIDLAND FUNDING, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with MIDLAND FUNDING and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving MIDLAND FUNDING any right to collect on this alleged debt. 
I have never received any documentation requesting validation from MIDLAND FUNDING, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND FUNDING, continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I was out of town for a few weeks. When i returned home i was supposed to have a new debit card. I did not. So i looked for the tracking and it showed it was delivered and set beside my apartment door to my. It was not there. There were nothing by my door. I called how much that costs to redo all of those. It costs not even close to my budget. I then contacted wells fargo fraud department. They were the rude, disrespectful, made fun of me and told me to forget it. I was mortified and just sat on my Couch and cried because they wouldnt help me. That money was all i had to pay my bills including rent. Can somslne please try to get my money back? I have hardly anything. I barely have food in my cupboards because i expected to get my money back. Please help me.

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 2022-08-03 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went.

I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I then got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned, I feel this was not fair on my
part as I can not have control over how other people use their PayPal accounts I just really want my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX filed a written CARDHOLDER DISPUTE FORM with issuer for an unauthorized transaction in the amount of {$1.00}. Thereafter on XX/XX/XXXX, issuer responded saying that I will be refunded by mail with a new gift card in the amount of dispute. It is now nearly one month later and I still do not have the refund/new card. The case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX account # XXXX ( Phone XXXX XXXX ) has violated my rights. 

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

15. U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: TN

Complaint narrative:
My identity was compromised in XXXXXXXX XXXX XXXX. Subsequently I discovered a XXXX XXXX bankruptcy among several other fraudulent accounts were reported to and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, " LCI '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness. I DEMAND THIS INACCURACTE BANKRUPTCY AND ACCOMPANYING ACCOUNTS ASSOCIATED WITH SAID BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!

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 2022-08-03 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: FL

Complaint narrative:
First, I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: West Realm Shires Services Inc.
State: PA

Complaint narrative:
I sent a wire transfer to be credited on my FTX.US account on XX/XX/2022 and the bank that works with FTX.US still has not credited me my XXXX XXXX  ( see attached pdf )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2022, I was contacted on XXXX XXXX regarding some textbooks I was selling. The individual ( who deleted all of their account information ) asked to send me funds through XXXX, which I have never used before. I never received the funds, and they told me that their money ( {$180.00} ) was being held by XXXX because they selected the recipient ( me ) as being a business and told me I needed to send {$300.00} to a XXXX team member ( " XXXX XXXX '' ) in order to expand my business account limit. They told me that XXXX would give me all the money back ( {$180.00} + {$300.00} ). I got an email ( which I no longer have ) from " XXXX '' with instructions to send to them the money and I sent it to " XXXX. '' Afterwards, I got another email ( which I still have and is attached ) asking for the final process of expanding my business account, which was sending {$500.00}. I told the person that this was a scam and that you should never send money to anyone to open an account. They deleted all of their information and I was unable to settle the issue with the person. Requested a dispute of the transaction through my bank, USAA, and they denied the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
Dear I have been a XXXX XXXX customer since 2021 and during that time, I have enjoyed my experience with COMPANY NAME greatly. I am writing to see if you would be willing to make a " goodwill  '' adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced account that date back to 2021. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of was robbed. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that your is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 


Sincerely,

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 2022-08-03 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act Macys acct ending in # XXXX for the months XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without written consent.

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

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

Company response to consumer: Closed with explanation