vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
They took the entire balance due from my bank account, even though I never authorized it. I have multiple emails, of my authorizing the minimum due on a certain date. And they went ahead and took ALL of the balance due, leaving me with a zero balance on my bank account. To say I'm XXXX XXXX is an understatement. The emails attached were me scheduling the {$100.00} payment for XX/XX/XXXX, which I set up on XX/XX/XXXX, which I then canceled, and set it to pay on the XXXX, as I wasn't sure if I'd have all the money on the XXXX. And on the XXXX they took the whole balance, without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AFFORDABLE MORTGAGE ADVISORS LLC
State: PA

Complaint narrative:
I got pre approved for a {$130000.00} loan through Holland Mortgage. XXXX XXXX told me about a first time home buyers down payment assistance program through XXXX XXXX and XXXX XXXX. I find a property, put in an offer, and it's excepted. I pay the {$99.00} fee for participating which XXXX neglected to mention in the original conversation about the program. I take the required 8 hour course, counseling and 2 1/2 hour zoom meeting and jump through ever other hoop they asked. Before the inspection was even scheduled or had taken place Holland Mortgage taken {$610.00} from my account for the appraisal ( done by someone associated with there company ) causing me to get a {$30.00} bank fee because I always plan ahead for large withdrawals from my account. We get 15 days to closing and I'm told that the property doesn't qualify because of the way its listed with the county as a dual residency as apposed to a XXXX XXXX bath that the agent has it listed on zillow or trulia. No one made mention of this throughout the process and the information was available to them from the beginning and had he not been derelict in his duties and unknowledgeable about the program he introduced me to I would have never spent the money on the inspection, appraisal or the {$1000.00} for Hand money as I would have known the property wouldn't qualify. I would have negotiated differtly with the seller as far as the {$3000.00} in seller assist that should have gone toward some of the repairs that were cited in the inspection and not closing cost. My hands were tied as I had signed the agreement. They then tried to pressure me into using {$9000.00} of my retirement money while only giving {$1000.00} in lender credit while raising the interest rate. I think they should have to refund me the fees due to there negligence or flat-out lies setting me up for failure as they lined the pockets of those companies and programs they are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I rented at the XXXX XXXX XXXX. Since I moved there it was nothing but problems. For starters the gate arm constantly kept falling and one day it fell on me so I went to XXXX because I was so paranoid and scared. I gave XXXX ahead of time and constantly had to deal with stress and nightmares about the gate arm because everytime I went in and out I was worried sick. I was worried that it might fall on top if me or my kids again. On top of that the ceiling and the walls leaked water after it rained. There were areas that looked moldy. There were many many issues and I couldnt deal living there anymore so I left. I now owe about XXXX because I left but who the heck can live in such a unsafe community? I got a lawyer and there was a settlement for the gate arm accident. I tried telling the community that I couldnt not be there anymore because of the ongoing issues the nightmares and the anxiety. I asked if my debt could be forgiven and I was told no. I was told I could pay 60 % if my debt. I said I barely have money Im a XXXX mom with XXXX kids struggling but I got the funds. I asked if I could have this removed from my credit which is my main concern and i was told no. I would only have a settled debt on my credit and it will remain on my credit. How is this fair when the only reason I left was because this place was unsafe to live at. I had continuous nightmares of the gate arm falling on top of me or my kids or the ceiling falling on top of me or my kids because of the ceilings and walls that were soft from getting wet all the time. They should be ashamed of them selves for renting out a place like that and having a gate arm falling all the time. I cant have this on my credit report XXXX a mom thats XXXX with XXXX  kids and only count on my income. I cant even rent a place now and we are probably going to end up under a bridge at this point if this isnt resolved. Please help this is unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
The Pacific Retrieval LLC sent me a notice in the mail stating that I own money to a towing yard on a vehicle I do not own. They stated that I did not file a XXXX  when I did and contacted the DMV to verify which they did. I sent the debt company my copy of the XXXX they saiid they would not except it and they would then be taking legal action and that I did not know the laws. My wife talked with they lady and she said that my wife was trying to pull a fast one on them and that they do not play games. The lady was extremely rude and when I asked to speak with someone else she just left me on hold. I then called the DMV again and they told me that the company was only trying to get the money and that the car is registered to someone else and to complain about the harassment.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit card ( XXXX XXXX ) offers as a benefit a credit to cover XXXX precheck fee. I renewed my precheck on this card and was not given the statement credit. I called the card customer service several times and they are claiming I purchased the precheck from a third party ( not true, and not possible ) and therefore they will not honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Someone unknown opened a bank account in my name and address. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called bank and was told a fraud investigation was started, but I never got a complaint form to complete and mail back to bank.

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 2022-05-05 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: MS

Complaint narrative:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).

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 2022-05-05 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A 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 explanation
Consumer complaint received 2022-05-05 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: CITIBANK, N.A.
State: TN

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A 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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
CREDENCE RESOURCE MANAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. listed below are the actions they have done.

1. Wells Fargo has labeled my accounts with the credit bureaus as a Account Included in Bankruptcy, account in XXXX  XXXX Bankruptcy and Loan Modified. None of this is correct and this has a major impact on my credit score.

2. Wells Fargo does not list their account as Purchased by another lender, or that they Transferred to another lender.

3. Wells Fargo list date of last payment and 1st delinquent payment as XXXX/XXXX/201. Last payment was XX/XX/2016 because account was paid off and was closed XX/XX/2016. 
Wells Fargo list the account on my credit as if it is a second mortgage.

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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My loan services changed to Freedom Mortgage on XXXX. I was only notified a few days prior and was not provided a loan number to make my next payment. 

Ive contacted the company via email and chat and have been offered no help and their chat staff was not knowledgeable. 

I want to make my payment but can not and am incurring interest on the principal I want to lay down. Freedom Mortgage is basically ensuring extra interest income by withholding loan information required to make payments and I feel that is criminal.

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 2022-05-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-05-05 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: WI

Complaint narrative:
Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )

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 2022-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
Hunter warfield is attempting to collect a debt for a company I do not have a contract with and did not provide validation information with the company international realty listed as the creditor. after several attempt to get documented evidence confirming debt owed to international realty proceeded to report to credit agency falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation