vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: FL

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Fl XXXX RE Account : XXXX XXXX XXXX XXXX Dear XXXX I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!

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 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
There are 2 collection agencies trying to collect the same debt that has not been validated as i requested. it is against the fcra act to have two companies reporting the same debt less alone not validating it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: PA

Complaint narrative:
My friend XXXX XXXX referred me to Chime because they have an offer of XXXX dollars if friend opens an account with a direct deposit of XXXX dollars or more, on XX/XX/XXXX I signed up and opened an account with the expectation of the XXXX dollar bonus I in addition immediately went to Social Security. Gov and changed my direct deposit to Chime and the government said the first deposit would be XXXX of XXXX. When I didn't see my bonus I called Chime and inquired about the bonus and they said I didn't qualify because it took more than 45 days for the deposit to be made. No one on Social Security would qualify under these terms and therefore not a real offer just bait, because Social Security will always take more than 45 days to stop and start a direct deposit. Offer is totally bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
I rented a XXXX truck from XXXX, CA, in XX/XX/2023. The order was created by XXXX XXXX and completed by XXXX XXXX, both of them didn't give me any information on insurance on the phone. I sent my studio assistant to pick up the truck and they gave me a reciept which has no signature by me or anyone at XXXX branch. I took the truck to XXXX XXXX, where its catalytic converter was stolen. I called XXXX 800 number and they asked me to take the truck to XXXX branch for a trcuk swap. 
In XXXX, I got an invoice from XXXX for {$13000.00} with just two days to pay the amount and a phone number for the XXXX XXXX branch for any questions. Both the XXXX and XXXX XXXX branch did not have any information on this when I called them and even suggested that it must have been a misunderstanding as they said its unheard of that XXXX charges the customer for this kind of theft. I was relieved and forgot about the incident. 
Five days ago, last week of XXXX, I got a phone call from XXXX XXXX from the company XXXX saying he is a collection agent and I have an unpaid bill from XXXX. I was frightened and horrified. I called both XXXX and XXXX XXXX branches again, and they found out that the XXXX branch was the one who sent out that bill. I spoke to someone named XXXX at XXXX who refused to hear me out and insisted that I pay the full amount. 
Meanwhile, I called XXXX company to find out if they are having similar catalytic converter thefts and if they are charging their customers. They said yes, they have had several thefts and they DONT chanrge their customers as the compamy has insurance for their vehicles. My concern is that the XXXX branch is trying to threaten me to pay the charges for something which Im not personally responsible ( unlike a vehicle collision ). 
I need some advice. I'm a struggling XXXX and I'm in no capacity to pay this charge. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello. On XX/XX/XX/XX/XXXX I lost my debit card near my apartment in XXXX XXXX, Connecticut. Two days prior to this on XX/XX/. I deposited money into my bank account to pay my car payment and my rent for the month of XXXX, which is due on or before the XXXX of the month, unfortunately afterwards I paid my rent via XXXX but unknowingly lost my debit card after. On XX/XX/XXXX, as I opened my account to pay my car payment, i noticed {$110.00} missing from my account which I hadnt used since i submitted the money for my rent. I realized my card had been stolen and used by someone so I contacted Chase Bank right away to report fraudulent transactions and to cancel out my card. They informed me that outside of the 4 transactions that the thief processed with my card, 3 more separate charges were declined by another merchant. They issued me a temporary credit to my account pending their investigation so that I would still be able to pay my car payment on time but after almost 3 weeks of them investigating, on XX/XX/2XX/XX/XXXXthey deemed my claim insufficient and denied my claim which subsequently cause them to reverse the credits they put into my account simply because they claim that one of the places this thief used my card at was close to where I live which is in a heavy traffic area as I live downtown XXXX XXXX, CT. I told them it wouldnt be uncommon for someone to have found my card and tried to use it nearby to see if it was working before they travelled farther out to where those other 3 transactions were declined. My card was used at places I have never been to in the 2-3 years I have been banking with Chase and yet they refused to refund my money and left my account almost- {$70.00}. If there is any way that to help me during this situation I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In or around XXXX, I had a Chase checking account, the account was closed for suspicious activity when I was helping my mother, who was working cleaning houses in the US deposit her earnings and I would pay her bills ( She did not have legal status at the time ) My account closed and I never followed up with chase but that was the reason they gave me. 
In XXXX, I tried to open a business checking account and was denied, I received no reason. 
In XXXX, I applied for Chase Saphire Preferred credit card and a Chase business credit card, I was approved without problems and for about 75 days I had the credit cards, I paid them on time and kept low to XXXX balances. 
In XX/XX/XXXX, I randomly logged in my account at XXXX and it said all my credit cards were closed. No reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX  or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called Credit Collection Services. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with XXXX the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who CREDIT COLLECTIONS SERVICES is! I am sending this complaint because the XXXX reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month. 
They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely XXXX5 USC 1692e as well as allowing CREDIT COLLECTIONS SERVICES violate 15 U.S. Code 1692f - Unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: Medical-Commercial Audit Inc
State: SC

Complaint narrative:
I received a collection letter from : MCA Collection Agency XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to XXXX Credit Reporting. 

I disputed with XXXX, asking for the same documents and they replied it's my debt and no documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Accounts : 1st is the Current XXXX  XXXX XXXX XXXX XXXX ; then Bank of America/XXXX  ; and the reason starting this FRAUD COUNTRYWIDE THST WAS FOUND GUILTY OF FRAUD AGAINST US MORTGAGE HOMEOWNERS. 
_____________________________ XXXX  XXXX XXXX / XXXX # XXXX Loan # XXXX ; then -BOA/ XXXX  - Loan # XXXX ; then - XXXX/BOA/ XXXX XXXXXXXX # XXXX XXXX XXXX ( They have and had all these loan amounts listed bogusly with bogus amounts to keep me from refinancing away without them being able to steal my equity with these bogus balloon balance ) XXXX XXXX XXXX ( is the culprit on all 3-loans ), XXXX  knows the fraud that is being committed with this bogus balloon balance ( s ). 

Balloon balances listed on my credit and payment Balloon balance listed {$150000.00} XXXX  balance list : {>= $1,000,000} ( Balloons are fraudulent and should be discharged or removed ) Illegal Fees pd XX/XX/XXXX. {$450.00} Illegal Escrow shortage : {$420.00} ( XX/XX/XXXX ) More now Unpaid bal : {$570000.00} ( XX/XX/XXXX ) wrong this should be about $ XXXX ( I have been in my home over 20 years with a 30 years and I have never missed a payment ). XXXX  started this fraud and BOA AND XXXX CONTINUED THE THEFT. 
New unpaid bal : {$620000.00} fraudulent- Please do your job and read, listen and hear what I am telling your office that is supposed to protect me. 

The XXXX  balance on my mortgage is bogus. It was place on by XXXX  illegally just before XXXX  went under due to FRAUD TO THEIR CUSTOMERS ( ME! ) I was a customer mortgage holder. This bogus XXXX  balance then passed on or was acquired by Bank of America XXXX who I sued in court but they failed to remove it due to fraud again they just tried to give me money and keep the XXXX  balance to illegally continue to steal my equity. Then because of this law suit that they tried to pass this XXXX  balance to XXXX  XXXX XXXX XXXX XXXX. XXXX knows they are still committed fraud still continuing stealing my equity and steal in each mortgage payments. They know I am XXXX XXXX XXXX and can not afford an attorney XXXX to fight in court which is why YOUR OFFICES, my governor and government should be ashamed not protecting me. I need this FRAUDULENT XXXX BALANCE REMOVED FROM MY MORTGAGE. 

XXXX  started this fraud and Bank of America and XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX knows this snd continues this theft and fraud because your offices will not do your job to correct this theft and protect me. Protect me and send this balloon balance back to XXXX the other two banks have been capitalizing offer of this fraud too long.

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 2023-07-02 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: FL

Complaint narrative:
XXXX XXXX XX/XX/ XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX RE Account : Dear TransUnion I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!

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 2023-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act

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 2023-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my bank sent me an email stating that there's been a new inquiry on my credit report -- from Capital One. But I never applied for this card. When I opened my mailbox on XX/XX/XXXX, this card that I did not apply for had arrived. My credit score has been negatively impacted ( i.e., decreased ) because of these events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
NELNET Stopped generating account statements in XXXX of 2020. I have been making payments routinely since that date. My annual tax statements have reflected virtually no interest paid which seems impossible as I have reduced my balance by thousands. 

I have has trouble with NELNET accounting behaviors and website in the past and I want an actual statement from their system showing it recognizes that my balance reflects the payments over the past 3 years. I am concerned that based on past NELNET behaviors when the payments restart the system will magically revert to some screwed up point and I will be hammered with interest or unreflected payments. 

I have requested that NELNET provide a current account statement and they have given me the run around. This is a condition that likely affects every borrower loan they are servicing. There is no justification for not generating monthly statements unless the servicers thinks they are going to be able to change the past and do not want a paper trail to contradict it. They also continue to fail to put an efficient traceable email communication method in place for borrowers. Their recent update has closed down the half solution form submittal driving borrows to the phones for undocumented calls or snail mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: KY

Complaint narrative:
I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: KY

Complaint narrative:
I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of Fair Credit Reporting Act

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime banking! 

Somebody made an unauthorized purchase on my debit card to XXXX XXXX  This flight was leaving XX/XX/XXXX - XX/XX/XXXX for XXXX XXXX. For {$600.00} some dollars thats a lot of money to lose. I filed a dispute in XXXX. 2 times already was suppose to get my money back or temporary credit back XX/XX/XXXX here we go XX/XX/XXXX and they still giving me the run around denies my claim before XX/XX/XXXX. Which is XXXX now and Im frustrated. The investigation team not doing they job. If I never checked in this flight. And the airline have proof that I never checked in. Then I should be able to get my money back. I even sent documentations before the plane left XX/XX/XXXX. Ive never got on this plane Im highly frustrated with this company! They want fix the errors or give my money back. They have some rude people answering the phones.

Company response to consumer: Closed with explanation