vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I submitted a claim for the amount of XXXX. The claim was credited than reversed due to JP Chase stating that " they could not get a hold of me via phone call and didn't have the date of the situation '' They did not use another mode of communication such as Email or postmail to inform me that they needed to speak with me further. Furthermore, they stated the reason the claim was reversed was that they needed the date of when the situation happened, and during the initial processing of claims, I verbally told the claims agent the date. They even closed out the claim. I called to reopen the claim and submitted the documentation as proof. Four claim agents stated they would look into it further. My account remained in a negative state for over 3 weeks. I continued to get calls for me to take care of the overdraft fees and negative balance in my account. I informed them that the claims department made the error and needed to be corrected and I do not owe money on the negative balance. I have told this several times when Chase Bank called me several times to take care of this issue of the negative balance. 
When I informed them that I would go ahead to submit a complaint to CFPB, a manager from the claims department began to be very aggressive and authoritative towards me in his tone, and he informed me that he would not reverse the claim, it is final! '' in an elevated tone, belittling tone, and abusive tone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/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 2023-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
They called my phone almost everyday since XX/XX/XXXX. The employee 's name is XXXX, she leaves a message to return her call to her or one of her associates but never states the reason for her call. I finally returned the call today XX/XX/XXXX at XXXX. I get the automated service that asked questions to verify who I am and that I have an active mortgage account with Carrington Mortgage. 

After verifying I get a live person that I asked to speak to XXXX. This associate continued to ask more questions that did not pertain to my concern of continued calls from them. I politely stated my reason for calling, which was for them to stop calling me everyday because I'm current with my mortgage and I communicate with Carrington Mortgage via my online account. 
The associate said if you don't continue to answer her questions she wouldn't reveal why they were constantly calling me everyday and if I would hang up that they would continue to call me after I specifically ask them to stop calling me and communicate with me via mail or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX | Account : XXXX | {$200.00} XXXX | Account : XXXX | {$0.00} XXXX XXXX XXXX XXXX Account : XXXX | {$820.00} US DEPT . OF EDXXXX | Account : XXXX | {$0.00} US DEPT . OF EDXXXX | Account : XXXX | {$2400.00} US DEPT. OF EDXXXX | Account : XXXX | {$2100.00} US DEPT. OF EDXXXX | Account : XXXX | {$3900.00} XXXX DEPT. OF EDXXXX | Account : XXXX | {$1700.00} US DEPT. OF EDXXXX | Account : XXXX | {$4400.00} US DEPT. OF EDXXXX | Account : XXXX | {$4900.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$7100.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IXXXX XXXXorm XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX form XXXX : XXXX XXXX AND XXXX XXXXorm XXXX : Application For Award For Original Information Overview with the XXXX XXXX XXXX against ALL entities involved.

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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Capstone Private Mortgage Holdings Limited
State: AZ

Complaint narrative:
Prohibited acts XXXX have been carried out by XXXX XXXX XXXX XXXX such as fraud, scamming, lying fake " buyer '' XXXX who did not go through the 6 stages of application process. Possible ly kickback scamming XXXX XXXX Loan was not secured properly. Application not real. XXXX stated on the CAPSTONE FINANCIAL LETTERHEAD he was the BRANCH MANAGER - he is not. The OWNER of capstone & CTP is XXXX XXXX who ( in writing ) denied XXXX was associated with him or his firm. XXXX XXXX XXXX is AUTHORIZED TO REPRESENT CTP and XXXX denied this. XXXX approached me directly from the listing of my personal property ( not on XXXX ) that he had a " client '' who was preapproved. XXXX went on to fraudulently say " they '' ( him and his client and client daughter ) to view property. Only XXXX arrived with an excuse he " views all properties for his BUDDY ''. In writing XXXX said an offer was coming immediately. The " client '' ( XXXX XXXX ) then called me saying an offer was coming from him. This was a LIE. XXXX gained access to my property in a deceitful manner and under FALSE PRETENSES & MISREPRESENTATION. I have much evidence and more information to add and send by way of emails from XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
Purchased 8 Vanilla Visa cards through XXXX. Received them XX/XX/XXXX2023 tried to activate them, 4 activated with no problem, the other 4 would not activate and kept saying error. I contacted Vanilla and reported the problem, I also contacted XXXX, XXXX would not take them back to give me new ones, Vanilla said to wait 24 hrs, which I did and tried again same error, contacted Vanilla again, again they said wait 24 hrs I did. Then the 4th call they said there was no money on them. I said I haven't even got them to activate. They said to send in pictures of the cards front and back, along with my drivers license front and back and sales receipt which I did on XX/XX/XXXXXXXX  I sent it twice to make sure, I got 2 confirmation e-mails stating they received them. Have not heard anything and when I tried to put in my case number they said they have not received anything, I said I had 2 confirming emails that said they received them, so I sent in again today XX/XX/XXXXXXXX. At this point I don't think they are going to replace or refund the cards it seems like I keep getting the run around. These were XXXX  gifts totaling with purchase fees are {$490.00} the total gift cards were 2- {$200.00}, 1- {$50.00} and 1- {$25.00} and purchase fees for the 4 cards. They have to be able to see when I tried to activate them and wouldnt activate and all the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX merrill lynch closed my account and said the funds settled and i would be set a check now they are tryingto say i owe them which is not true i only deposited 1 check that cleared and they will not give my funds to me they are my funds and they weren't suppose to send any funds to XXXX which they did not do they are rude and thieves and my statements show what and when they took out my money but they wont give it to me. They violated my rights and their contract aggreements.And they are still holding my money.now they said i owed them and that is letting me know they still have my funds.

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 2023-12-21 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Credit bureaus are reporting a business account to my consumer credit. the name of the company is XXXX. 

Nothing in the contract permits the credit bureaus to report this business account to my consumer report.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of any such hard inquiry or attempt for credit with the companies listed below. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt or inquiry, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Dave Operating, LLC
State: WI

Complaint narrative:
from XXXX Claim with id XXXX I had my card lost money was stolen out of my account I did not authorize any of these transactions it was not even my name on the transactions I kept getting all kind of reasons they denied my dispute even though it clearly wasn't me who made these transactions it was like they were literally lying about why they denied my dispute and did not refund my stolen money of XXXX $ from a XXXX I have never ever done business with this merchant I have bills to pay it's ridiculous how I been treated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: KS

Complaint narrative:
Optum Financial XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I enrolled in XXXX XXXX XXXX XXXX Account for XXXX. XXXX established a medical savings account in my name and deposited {$3000.00} in my Optum Financial savings account. XXXX agreed to pay a {$2.00} monthly maintenance fee on the account. In XX/XX/XXXX, I was notified that XXXX would no longer honor the agreement and disenrolled me. I was notified by XXXX that I was responsible for the maintenance fee on the savings account beginning in XXXX. `I was not a party to the agreement between XXXX and Optum therefore I am not obligated to pay the maintenance fee. The money in the account is to be used for medical expenses and maintenance fee on the account is not a medical expense. I am prohibited from withdrawing the funds in the account according to XXXX. Under contract law, XXXX should be required to continue paying the maintenance fee that they agreed to as opposed to a consumer who had no knowledge of the fee, and did not agree to the fee in the event that XXXX decided to stop offering the plan.

Company response to consumer: Closed with explanation