vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was given a check drawn from an account at XXXX XXXX  XXXX on XX/XX/XXXX which I deposited in my Chase Bank account. 

In XX/XX/XXXXXXXX  the maker of the check contacted me and asked me if I had redeposited the check on XX/XX/XXXXXXXX  as the funds were removed from his account again.. I told him that I had not and provided him with copies of my bank statement to show that I had not received additional funds. 

On XX/XX/XXXX, Chase debited my account by the amount of the check in question with the following explanation : " Debit for {$930.00}, an item was processed more than one time. The item posted on XX/XX/XXXX, and again on XX/XX/XXXX. Our reference number XXXX, Check Number XXXX, Deposit Location Number XXXX '' When I queried this with Chase after many phone calls, visits to the branch and complaints, I was advised that even though Chase knew I did not receive the funds twiceXXXX XXXX XXXX XXXXXXXX told them to remove the funds from my account because the check had been deposited twice and Chase had no choice but to do what XXXX XXXX XXXXXXXX said . They further advised that I should contact the maker of the check to tell him to file a complaint to XXXX XXXX XXXXXXXX for an unauthorised presentation of the check XX/XX/XXXX and to verify that I was not the recipient of the funds of the second presentation. 

The maker kindly spent an hour and a half on the phone with XXXX  XXXX XXXX who told him that they could not do anything and I should contact Chase to get my money back. 

I am a victim of bank fraud and both banks want to pass the buck to each other. 

I am enclosing copies of the check in question, bank statement showing the deposit of the check in XXXX, statement showing the second deposit in XXXX did not go into my account, and a statement showing teh debit by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
XX/XX/XXXX  i noticed a fraudulent charge on my citicard credit card of {$63.00}. I immediately filed a dispute and closed the account. 5 months later ( XX/XX/XXXX  ) i received a bill from citicard with late fees included. I called Citicard back at least 10x to re-report. While it was in dispute i did not pay. I had PERFECT CREDIT and did not think that this could happen DURING A DISPUTE.. I attempted to co sign my daughters student loan ( as i did last year ) and that's how i found out that my credit score had dropped XXXX points. I was absolutely devastated and in panic, so i called and paid Citicard {$150.00} ( the original {$63.00} plus 3 months of late fees ) so it would stop lowering my credit score.I have opened a dispute with XXXX attorney General and also with XXXX. XXXX mentioned that i should also file a complaint with CFPB. I want my money back and my credit score repaired! They should not be allowed to do this! I just want someone to LOOK at my credit and SEE that i have NEVER paid anything late in my 27 years of establishing credit. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX bankruptcy XXXX Account # XXXX. 
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 a account without my written instruc
tions. 15 U.S.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 2023-08-21 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial is showing the account as a charge off, but it has been paid in full.

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 2023-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
i just informed Lobel Financial by mail of their violations in Federal Truth-in Lending disclosure retail installment loan that was PAID IN FULL by my credit transactions finance charge pursuant to 15 USC 1605 . By use of my social security number { credit card 15 USC 1642,15 USC 1602 } As well they are in violation of 15USC 1635,15 USC 1666,15 USC 1611,15USC1640,15 USC 15,15 USC 1692k { 5 } and 29 USC 1109 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Account # XXXX. 
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 a account without my written instruc tions. 15 U.S
.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2023, XXXX XXXX purchased a residential property through a foreclosure auction conducted by XXXX XXXX XXXX FL. I paid {$390000.00} at auction, and have incurred several thousand in additional costs maintaining the property since then. 

Two weeks after the sale I received a recorded certificate of title. All of the County data bases show XXXX XXXX  as the current owner. 

After the purchase I tried to buy title insurance, but the new title search found a XXXX XXXX, for which XXXX XXXX was the trustee. 

I contacted XXXX XXXX in early XXXX to learn about the mortgage. They referred me to XXXX  XXXX XXXX. I was having talks with XXXX XXXX XXXXXXXX when I got a letter from XXXX telling me I should be talking to Select Portfolio Servicing ( SPS ). 

SPS refused to talk to me because I was not on the loan. I sent them my documentation several times. I called them approximately 30 times. They eventually agreed to tell me how much the payoff amount. 

After receiving the payoff letter, I sent them a proposal to settle the matter. No reply until I called last week. 

But, checking for mail at he property, I found numerous letters from foreclosure attorneys, all addressed to the PREVIOUS owners. 

That made me suspicious, so I checked the court records and found a new foreclosure against the property, initiated in XXXX, but filed agains the PREVIOUS owners. The XXXXXXXX XXXX XXXX  in XXXX, filed the new foreclosure on behalf of XXXX XXXX as Trustee to XXXX. 

As I said at the outset, XXXX XXXX is the owner of record in the County systems. No competent title search could have missed that. So the omission must be deliberate. 

So, either they have been dealing with me in bad faith for the past 6 months, or they were deliberately trying to engineer a new " arms-length '' sale to dissolve my ownership interest. I have called the XXXX XXXX XXXX there times. They have not returned my calls. I sent the attached documents to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
There was a dispute made for payment made of {$1500.00}. The money was deducted from my account on XX/XX/2023. The dispute was made on XX/XX/2023. The dispute was canceled on XX/XX/2023. The update and confirmation was on XX/XX/2023, however, the funds have not been processed back to the merchant. The funds were a down payment for a vehicle and the dispute was originally supposed to be just for fraud website where I purchased a bag. This payment along with another payment was added to the dispute which is why I canceled it. The money was not sent back to me and the merchant is implying that the funds are not sent back to them as well. My vehicle is being detained due to these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: WVH, LLC
State: UT

Complaint narrative:
XXXX asked for me to stay to clean and then charge me for Rent. I would have just left because they kept my deposit and they charged me for doing what they had asked me to do. Then they charged me for Rent?! 
I finished my lease completely They offered month to month rent agreement ( I might still have the documents for this actually ) then 2 weeks later decided that I had too many complaints and because I lost my job ( which was found to be wrongful termination ) I was not even eligible to apply and I was told that " because you lost your income you no longer fit the requirements to reside here or any of our sister company 's and I wouldn't recommend that you apply because they can see the notes we have on file for you and you will be denied. " ( I am still not completely healed from my job loss, that destroyed me and my confidence and my life and this lady said this too me with no empathy, I left the office in tears ) they are the largest apartment company in my town. I was homeless with my XXXX kids, for a year after and I have applied to several places and keep getting denied. Or landlords show interest and then they get my credit report and I never here from them again. Im still looking for places but I'm stuck paying more than I can afford because I don't have any other options and I can't even try to repair my credit. I can't afford anything. This has really hurt me and my life has been destroyed. They have a collection on my credit too through simplified recovery, I've disputed this twice. Please help me with this issue, please. 
Thank you for taking the time to read this and please let me know what I can do to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, I became homeless and had to cancel my car insurance. I notified the agent at XXXX, XXXX XXXX, but they still charged another month. It went to collection for {$51.00}. 

I am not disputing the validity of the debt, and the debt is not paid. ( That was the only option I could choose that made sense on the complaint form. ) However, the original date of delinquency was almost 8 years ago. It should be removed from my credit report per the FCRA. I mailed a dispute form to XXXX about six weeks ago, after getting a copy of my credit report from XXXX I got a reply from XXXX on XX/XX/XXXX. It does not address my dispute, and I believe does not honor my rights under the FCRA to remove negative information after 7 years. 

I've attached a scanned copy of the relevant pages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Someone took out a fraudulent loan in my name. I immediately alerted Affirm and they assured me it would be taken care of. It has been 6 months and they have done nothing to investigate. They had 2 different debt collectors come to me on their behalf. All while they claim my dispute is still being investigated. My credit scores have decreased significantly because of them. They do not have any legit customer service. In fact, every time they send an email to me there is no name in the signature. This company is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
CFPB Case # : XXXX As per you response of above inquiry, If the consumer wishes for RTR to send him copies of this correspondence, he should email RTR and provide his consent to receive these documents electronically via email. 

At this time I will like to provide my consent to receive copies of all the notices and statements you have mail to me since XXXX XXXX  till now via email address XXXX. Due to the size of attachment restrictions by the email provider, it is OK to send multiple emails. 

If this can not be done by email I will reserve my right to and ask that you provide copies of above by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: Thrift Investment Corp.
State: NJ

Complaint narrative:
I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Thrift Investment Corp XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I been disputing false information on my credit report. requesting a copy of the original debt so it can be verified if not the information that doesn't belong to me should be removed.

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 2023-08-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, Experian, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer
reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This complaint is against THE CBE GROUP XXXX XXXX XXXX XXXX, IA XXXX. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer reports without my consent. You are in violation of the FDCPA if this account isn't removed from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX. I have never done business with XXXX XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows {$390.00} but why is the original balance {$390.00}? 

I also have the right to privacy I need this deleted/ removed because I never gave you consent. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account but the name of THE CBE GROUP? 

If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$390.00} past due as of XX/XX/2023 ''? I have never opened an account with THE CBE GROUP remove and delete this immediately. 

Why is there a date opened? I have never opened an account with THE CBE GROUP and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE/ REMOVE.

Company response to consumer: Closed with non-monetary relief