vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX XXXX XXXXXXXX claims i owe {$9700.00} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

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 2022-03-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2022 - I submitted a payment using my Chase app to make a payment on my XXXX Chase credit card in the amount of {$2000.00}. I usually don't use my Chase App to pay I usually use my XXXX XXXX XXXX to pay all my bills. When I submitted my payment to my card it was automatically placed on hold by Chase and my card was suspended. In talking with over 6 reps from Chase on XX/XX/2022 no one could tell me why my account was on hold accept that I was on hold for financial review that could take up to 10 days and that my card would not be available to use until then. I asked for a manager and got a call back within 24 hours - the manager apologized and said that the account was on hold because the payment came from an unknown bank. Which is when I realized that I made a mistake and paid thru the wrong app. I told the manager that but she said the payment went thru and everything was fine. I used my credit card again and everything was good then it declined again. Come to find out that payment didn't go thru and with no word from Chase they closed my account because of one mistake with a payment which I have been trying to resolve. I have had this account for years and have an excellent track record with payments, paying off the card and not going over the limit. This is completely unfair and the only reason why I use this card is because of our recent trip plans to XXXX. I even increased the XXXX premier level to earn more in rewards and XXXX dollars as this is a surprise trip for my moms birthday. So I have been using this card as my primary card to build points for XXXX. Also I am in the middle of buying a home so to close my account as closed will ruin my credit history as which is totally unfair as again I have had no prior history of credit issues with Chase - heck they even raised my credit limit last year or the year before. A company wouldn't do that if they were concerned with the consumer and especially with a consumer whom doesn't pay. I want my card reopened with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.

furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I contacted The President and CEO of Portfolio Recovery Associates LLC, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and PRALLC responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I originally file a Complaint XXXX more than XXXX  days ago since then the Problem is between Affirm and XXXX. It appears XXXX Loans done on XX/XX/2021 and XX/XX/2021 where the XXXX was not available or Returned. The Loan company Affirm and the Retailer XXXX FAILED to zero out these loans since these dates. I have Uploaded Proof to your agency, Affirm from XXXX. It appears XXXX promised XXXX system and DID NOT have it ready for Affirm until currently in the store and XXXX. I can not tell you the hardship this causes us as consumers. XXXX CLOSED my online account due to " Suspicious Activity ''! What happen on XXXX order it billed Affirm and Our Credit Card? This error lied truly with XXXX as it also billed Affirm! I contacted XXXX and Affirm both have stalled for months doing nothing but threaten to report it to the Credit Bureaus for the errors they both caused by in XX/XX/2021. The Loans are Loan : XXXX which is order # XXXX and Loan : XXXX which is order XXXX. Both Loans Either Cancelled/Returned or Fail to Deliver Goods. But sought payment even though both Cancelled Per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is refusing to update all three credit reports.

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 2022-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is refusing to update all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
cooper Im waiting funds from the homeowners help program that will pay up to 24 months back mortgage payments im currently 60 days behind I have tried to pay even sending them a full one month payment they sent it back to my bank I dont have a lump sum of XXXX in full at once I also called them to do a payment plan they told me to wait for my payment to post to set it up then they send my payment back to bank My question is at 60 days behind they noted on my account the last day of the demand letter is XX/XX/XXXX i thought u dont receive the demand letter In pa until 3 months behind And get 30 days after the demand letter to fix the account I feel like they are being sneaky the money Im paying that they are returning is not even noted in my account to see any transactions I made or them should be able to be seen regardless of retuned or not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank offered a & XXXX bonus to people that opened a direct deposit account in 2021. My banker never made me aware of this bonus XXXX XXXX, I found out about it by accident now the bank will not honor there bonus and I have spent hours on hold and no response. 
Sincerely 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 non-monetary relief
Consumer complaint received 2022-03-18 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: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
A bunch of errors was being stated in my XXXX XXXX XXXXXXXX, I have sent out letters to both Bureaus and Creditors about the erroneous information but they have neglected my request of submitting to my address any proof or documents to validate the accuracy of their investigation. They failed to meet the XXXX XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
XX/XX/XXXX I received an alert for a hard inquiry from Rocket Mortgage that was not authorized. I advised Rocket Mortgage that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have XXXX several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
In summer 2021, I received notifications to recertify my XXXX despite the COVID-19 forbearance/moratorium on all federal student loan payments. I completed the IDR so as to not default on any PSLF payments, and my amount due tripled. I recently learned that during the COVID-19 forbearance period, I was NOT required to recertify my XXXX payment plan despite reminders from FedLoan Servicing that I needed to complete that paperwork. I'm trying to contact FedLoan to revert back to my old payment plan as I'm legally allowed to do so. FedLoan was VERY misleading and never informed me of this. I only found out about this incredible cost-saving option through XXXXXXXX XXXX PSLF thread. The fact that no one is advertising this will have serious financial implications for those who got married, had children, or other major life events during the pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: VA

Complaint narrative:
Certified letter was sent and electronically confirmed received by Experian on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and XXXX proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at XXXX, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.

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 2022-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am running for XXXX XXXX. 
I use the open source software called XXXX to collect federally required donor data- and to manage my communications with my donors. 
I have used this software since before XXXX and had the same account with Paypal to process donations and the process works flawlessly, reporting the donation, referring to paypal as the trusted processor- giving the donor the choice of using their own paypal account or a XXXX  or Debit card, transferring the donation amount to the paypal portal- then cycling back to the software about the transaction completion- including the fee amount. 
Paypal then has the money- and IS HOLDING IT- saying I don't have a reputation as seller of goods and service with proper shipping etc- I told them, I've had the account since XXXX and have used it everytime I've run for both local and federal office- and it's always released funds. 
They are illegally holding my funds- and stopping me from fundraising or campaigning. 
They claim their fraud protection AI is the cause- and they can't fix it. 
In the meantime- I believe they are illegally withholding political donations. 
I've trusted Paypal for a long time as a good payment processor- I will no longer recommend them to any of my clients ( I run an ad agency that builds websites for small businesses ). 
Currently, they are holding {$340.00} XXXX collected {$1000.00} without even trying- and they allowed me to transfer out {$800.00} I've delayed sending out a fundraising solicitation for XXXX weeks while I've been given erroneous information from their tech support people on how I have to somehow use their portal- or change my donation page to them exclusively. 
Neither of which is true. 
Their support sucks. 
And, according to their records my account is properly labeled as a political campaign - even though I can't find that info in their portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i noticed a charge on my credit card account in the amount of XXXX $ posted on XX/XX/XXXX from XXXX. 

i dont recall making any purchase with XXXX on XX/XX/XXXX. 

when i contacted XXXX regarding this charge, XXXX informed me that it was a purchase made on XX/XX/XXXX, but was not able to provide any information on this transaction. 

i contacted my bank ( chase ) to dispute this transaction. 

2 months after my initial dispute request, the bank responded to the dispute XXXX said i was responsible becuase i had prior purchases with this business. yes, i have shopped with XXXX in the past, and during that time period ( XXXX and XXXX ). However, i never authorized this charge for XXXX and no one ( XXXX or my bank ) is able to tell me what was purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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 accounts XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received an email from Barclays saying I was late on my payment. I DO NOT have a Barclays account/card and I have never received any kind of statement ( email or paper ) from them except the one telling me I was late. I called them immediately and had to give information that made me uncomfortable but I wanted to clear up this problem. They sent me a letter saying their fraud department was investigating. That is all I have ever received from them= XXXX email and the letter. NEVER A STATEMENT! They called today to tell me the charges are mine because it was my XXXX!? My husband does not have a Barclays card and I certainly didnt make him an authorized user since I DO NOT HAVE A BARCLAYS CARD! They could not tell me my XXXX name. They said I need to show documentation that I didnt make the charges. How can I do that when Ive never received any kind of statement from them? Please let me known if you need more information to solve this case. Id like to see the statements but I dont know the fraudulent account number so they wont see it to me. It is not right!!! Your help is greatly appreciated!!

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