vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery keeps calling every day through different phone numbers repeatedly it is very annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by XXXX XXXX XXXX XXXX XXXX ( XXXX ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from Halsted Financial Services ( XXXX ), I was informed that XXXX placed my account for collections with Halsted Financial Services ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-26 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX The results of their investigation did not produce the requested documentation therefore they ... XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Without my permission BB & T took it upon themselves to allow many charges on my account from a furniture company called XXXX numerous times causing overdraft fees which resulted in a negative balance many, many times! I am very furious i have close my account they took months to refund my funds, but it happened many times after that. 

Please compensate me for the stress that this has caused. 

Thanks, 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 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I previously had a line of credit with this company but decided to close it last year. Unfortunately that doesn't seem to be the case because every month they continue to send me a statement ( which shows available credit of {$2000.00} and a balance of {$0.00} ). I have contacted them numerous times about this and each time I am promised they have resolved the issue and that the account is closed and I would stop receiving statements. As I received a statement from them yesterday, I can confirm this is not true. When I log into my account with the company it still shows my line of credit as " active '' but then states " Your account is currently ineligible for new draws. Please refer to our email communication for more information. '' ( Note that no such email exists ). When I've tried to regain access to the line of credit the company tells me I can't and I would have to reapply. When I reapply I get an adverse and letter which literally lists the reason for being denied as " o ''. I've tried to call the company but they only provide false information such as " we have nothing to do with the adverse action notices they come from XXXX so you should contact them " ( even though the letter is signed by " Upgrade Inc. '' and states in part " The reporting agency played no part in our bank partners ' credit decision and is unable to supply specific reasons why they have denied credit to you. '' ). No one from the company has provided me a reason for the denial nor have they addressed any of the issues I've explained today and/ or have faced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022. JP Morgan Chase cash an altered ck # XXXX. I contacted them on XX/XX/XXXX, and submitted a Declaration of Unauthorized Endorsement or Altered item on XX/XX/XXXX as requested by JP Morgan. I called a few days later and the representative confirmed that they received the paperwork and submitted it to XXXX XXXX XXXXXXXX. I called back JP Morgan later to check on the status and they claimed that they did not received the paperwork. I went back to the branch on XX/XX/XXXX and requested that they faxed the information again and include additional information such as police report, and letter from the Office of the Receiver of taxes because the check in question was for my property taxes and it was payable to XXXX XXXX XXXX who is the Receiver of Taxes. On XX/XX/XXXX, they still claim that do not have the information. Again, the information was faxed by my banker on XX/XX/XXXX. JP Morgan is negligent in cashing a check that is clearly altered, and is refusing to give me back my money. I filed a complaint with XXXX  and they referred me to you the federally chartered institution that has jurisdiction over JP Morgan Chase. Please help me to resolve this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged {$200.00} on XX/XX/2022 for items not received. I contacted Macys and the company in question on XX/XX/2022. When I was not able to get the issue resolved, I re-contacted Macys on XX/XX/2022 and spoke with XXXX, at approximately XXXX pm cst. When she refused to solve the problem, I requested to speak with her supervisor. I wasnt connected to a supervisor.

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 monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The problem is with the Freedom Mortgage Company. On XX/XX/22, I sent the updated final documents that followed the loan modification period and asked the company to put my account on Auto pay through my bank. I asked them to make the monthly mortgage payment directly from my checking account. I sent the updated final documents through XXXX, and the tracking # is XXXX. I called the Freedom Mortgage company twice, and the customer services agent informed me that Freedom Mortgage had received the updated final documents. I also asked the agent to report that I called twice, asking Freedom Mortgage to directly take the monthly mortgage payment from my checking account. The agents informed me that he had noted my request twice. 
Nothing has happened so far ; no feedback from Freedom Mortgage, and the company has not put my account through the auto pay from my bank so I can pay my monthly mortgage payment as agreed. 
I have been dealing with this issue for more than 6 months now. This is the second time the problem is happening, and I have paid twice for the notarization.

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 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase.com/amazon credit card online payment center only allows me to make minimum payment. When attempting to pay more than the minimum payment, but less than the total balance the payment will not submit. This has been an ongoing issue with this credit card. Additionally, can not make more that 1 payment a month online, when attempt to make more than one payment in a one month period the 2nd payment will not submit. Great scheme JP Morgan has to maximizes its credit card interest revenue, is it legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX, I went through the chase website to apply for the Sapphire Reserve card. I went through the online process and was approved - but for a different card ( Sapphire Preferred ). At no point in the process was it listed that I was applying for more than one card or a different card. I contacted the company immediately ( so XX/XX/XXXX ) and was escalated to a supervisor, who listed her name as XXXX XXXX I told her what happened and how I felt this was not acceptable and she told me my case would be sent to an internal review team. She also gave me a reference number - Ref # XXXX and said I would hear back 3-7 calendar days. 

On XX/XX/XXXX, after not hearing anything for 10 days, I called and asked to be escalated again. The gentleman on the phone told me that there was a record of my previous call, but that nothing had been sent to be reviewed, despite being told it had. He assured me he would send it for review and I would hear back in a few days. 

XX/XX/XXXX I received a short letter stating my card would not be changed and no further action would be taken. 

Being given a card I didn't apply for with no indication that I could be approved for and sent a different card seems very bad business and I am understandably upset. And I know I applied for the Sapphire Reserve card on the site, not the Preferred. Humans make mistakes, but I make my living on the web, including formerly doing Quality Assurance on websites. I didn't apply for the Preferred card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX 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 the that in accordance with Article 9, 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 never received any documentation requesting validation from XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX 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 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
Finance of America Mortgage LLC started servicing my conforming mortgage in XX/XX/XXXX, including escrow of tax and insurance. In summer XXXX my insurance was due and they contacted me to update my insurance information with them. I did, but they never made the premium payment. I contacted them to ask them to pay and they assured me it would be taken care of but it never was. On XX/XX/XXXX I made a {$2100.00} payment directly to the insurance company, at that point it was past due and coverage was 2 days from lapsing which would have left me exposed to significant risk. From fall XXXX to spring XXXX I have been trying to get Finance of America to perform return the excess funds in my escrow account that should have been paid to my insurer. I have made multiple requests by both phone and digital messaging feature on their website but they have still not taken action. In fact, they have NEVER done an escrow analysis since they started servicing in XX/XX/XXXX. I've attached a printout from their website showing last escrow analysis was XX/XX/XXXX, a copy of my most recent written request for reimbursement, and my latest mortgage statement. I'd like to be reimbursed the ~ {$2100.00} in excess escrow balance that should have been used to pay my insurance premium in XX/XX/XXXX. Better yet, I'd like to cancel my escrow on this mortgage so I never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX. account # XXXX, and XXXX XXXX XXXX XXXXXXXX account # XXXX have 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 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 explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
In XX/XX/XXXX, I went to the XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Chase Bank location to create a joint account with my wife. I arrived approximately XXXX minutes before the bank closed and was told that I would have to come back because they were closing soon. I was upset because the bank was still open for another XXXX minutes. Nonetheless, I left and came back. The next time I came, they said that my wife had to be with me. On my third attempt, I came in with everything that I needed. I was teamed up with their XXXX XXXX, XXXX XXXX. After sitting down with XXXX, I told him that this was the third time that I had come in. He started laughing which bothered me a bit ( I didnt think it was funny ), but I said nothing. After that, he began to setup up my account while making small talk with me. I told him that I was not interested in the small talk and that I was upset that I had to come to the bank XXXX times to open this account, which should have been opened the first time that I came with my wife within business hours. After telling XXXX that I wanted the process to be as streamlined as possible, he said something along the lines of, " Listen friend ... ''. I told XXXX that we were not friends and that I just wanted to get my account open. XXXX then refused to open my account and kicked me out. Several days later, I tried to log into my Chase account, and it was closed. I called up and was told that my account was being closed, and they didn't have to tell me why. Soon after I received a check for my account balance amount. It is now XXXX, and I feel that my account was unfairly closed. Additionally, I have tried to apply for XXXX and Southwest cards and have been denied because they use Chase. I would like someone to remove the ban from my account and explain to me why it was closed in the first place. Prior to this event, I had been a long-time Chase customer, and I feel that they closed my account without a real reason. I think it was reasonable that after XXXX times of going to the bank, I didn't want to make small talk, and I just wanted to open my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and XXXX. He opened a credit card account at XXXX XXXX  last XXXX, another one from SYNCB/PPC last XXXX, and another from XXXX XXXX XXXX last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.

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