vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
An authorized third party did purchase on XXXX on XXXX. XXXX where initial transaction in the amount of {$700.00} by her credit card # XXXX was cancelled and immediately charged again on XXXX to my Credit Card # XXXX on file with XXXX. I complained to XXXX about the charge, then it was cancelled again and XXXX immediately refunded my credit card company on XXXX. 
Using my XXXX account, the initial purchase above ended up being charged to the authorized user credit card # XXXX on XXXX whose person received the merchandise. 
Last time XXXX refunded my credit card company was on XXXX and my credit card company insists that there is nothing wrong and refuses to refund me for the charge that XXXX has already refunded them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: OR

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My family was affected by Covid-19, I requested a mortgage forbearance because of the reduction in our income. Carrington granted the forbearance which expires XX/XX/2022. We received a foreclosure sale date for our home prior to the forbearance expiring. I requested mortgage assistance recently and Financials and all required documents have been forwarded to Carrington for them to process our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Account was charged XX/XX/2022 for {$79.00} from my bank Navy Federal Credit Union due to a child tax credit that Navy Federal Credited to my account without My Knowledge or Authorization months ago. I called my bank on this day to reverse this charge because I had no knowledge of this and it escalated to a supervisor which later told me she could not reverse the payment whether I had knowledge of it or not. This is Not Legal. This is Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I ( XXXX ) received a transfer of {$3000.00} from a relative from California into my checking account. 

XX/XX/XXXX A Bank of America ( BoA ) rep called me and informed me that the {$3000.00} was drawn from an XXXX account, that I was not supposed to receive XXXX money and my account would be closed and I needed to go to the nearest branch to open a new account. I immediately went to the nearest BoA branch to open a new checking account. The banker assisted me to open a new checking account and transfer everything minus the {$3000.00} to the new account. I was told that the money would be returned to the XXXX office in XXXX and returned to the original sender. My old checking account was closed shortly after. 

XX/XX/XXXX Relative informed me that she have not heard anything or received anything from the fund and proceeded to call BoA to open a claim. Later, BoA informed her that the money was sent to me and I have already received it and there is nothing they can do. For now both of us was out {$3000.00}. 

XX/XX/XXXX I called BoA and inquire about the missing fund, labeled " ACCOUNT CLOSING TRANSACTION : - {$3000.00} ''. After being transferred to multiple departments and giving the runaround, I finally got a hold of a supervisor, who confirmed on call ( I have all audio recordings of the call ) that the account closing fund ( - {$3000.00} ) was currently in BoA internal back office and she would not give me any date or estimated date when the fund will be released. It's been XXXX months since I closed the account and I still have not received a check for the remaining fund. BoA offered no solution and according to them they can just keep the fund there indefinitely without a date of release. The supervisor advised the original sender to call BoA and " recall '' the transaction. 

XX/XX/XXXX Relative called BoA and tried to do a " recall '' but BoA once again told her there is no such thing as a " recall '' and that there is nothing they can do. I then proceed with a formal complaint with CFPB about BoA 's practice.

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 2022-02-15 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: DISCOVER BANK
State: NY

Complaint narrative:
I had received a call in XXXX from Discover Card to ask me if I tried to open an additional account at which time I explained that I had made no application. Discover then told me that there is FRAUD on the account and the account would be frozen until I completed a 4506T verifying my information. 

I received a 4506T Doc-U-Sign from Discover from XXXX authorizing the IRS to validate my information. I executed the 4506T and it was rejected by the IRS as I had moved and my address had changed. Discover advised me to add my former address to line 4 of the 4506T and it was again rejected. I had called Discover again and then they sent me another Doc-U-Sign 4506T which was again rejected so Discover automatically closed my account as it was rejected 3 times from the IRS. 

Discover sent me an e-mail saying that they had closed my account due to conflicting information. I called Discover and asked " WHY '' they closed my account due to conflicting information as they sent me the Doc-U-Sign that they completed??? I have to highlight that I had told Discover that I did not receive the initial Doc-U-Sign at which time I received 2 additonal 4506T forms and I completed them both which the IRS rejected as they were both completed with the identical information. 

My card had a {$1300.00} balance at the time I was informed the account was closed and I paid the balance due to the Supervisor on the phone immediately so if they couldn't resolve my issue there would be no balance on the account. 

My pay practices with Discover had garnered me an increase in my account availability from the initial {$5000.00} to {$12000.00} over the 4 years I had the card at the time the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: Credit Plus Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2022 I logged into my account to see that Navy Federal Credit Union has debited my account for the amounts of {$510.00} and {$82.00}. Upon discovery I called customer service to investigate and they proceeded to tell me it was due to a provisional credit that was given to me for my child tax credit due to my account being overdrawn. I informed the representative that I did not receive any such notice and did not sign/agree and/or authorize any provisional credit to my account due to the fact I have multiple direct deposits being deposited in my account. To me this is fraudulent activity on their part and now has placed me in a deeper debt than needed to be and I will not be able to pay my bills as I need to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX XXXX as documented on the attached documents. I described the vehicle for which a bumper was ordered. I received the part and took it to a repair facility. It advised it was the wrong bumper. I emailed XXXX XX/XX/XXXX about the error and requested they ship the right part and furnish a return label for it. No response was ever received. I did order a bumper from another vendor after no response was received as the repair shop had to have one to complete the work. Documents from their website show which bumper should have been sent. On XX/XX/XXXX I notified Chase about the problem. They issued temporary credit but charged my account XX/XX/XXXX. I called Chase and was advised to reword my complaint which I did and resent it to Chase. Chase processed it and advised they considered the charge valid. Having no success with Chase I called on XX/XX/XXXX and was advised to ship the bumper back which I did at my expense. I emailed XXXX XX/XX/XXXX outlining the progress. The XXXX XXXX record is included. On XX/XX/XXXX XXXX confirmed receipt of the return information and thanked me. On XX/XX/XXXX I received a cell phone message from XXXX at XXXX that the bumper was received. On XX/XX/XXXX I advised XXXX about the call from XXXX who I was unable to contact. I continued to advise Chase of the progress. On 1

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dynamic Recovery Solutions, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and 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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XX/XX/2022 To who it may concern, I got switched to a new lender in XXXX ( Specialized Loan Servicing ) and called because I had questions regarding my payments since I had auto pay with my last lender ( XXXX  ) so I had to get my new account number from Specialized Loan Servicing to make my payment. During that process I called and spoke with them everything was fine, they told me how much I was going to owe every month and what specific day it would be best for me them to take money out since I was enrolling to auto pay with them as well. For the month of XXXX I saw they took out {$3500.00} from my account, I had called and spoke with them once again regarding what was going on and why they were taking so much money out. They started out saying I had late payments, and other fees but they never told me about any late fees or sent any papers regarding late payments or any fees. I spoke with a representative of Specialized Loan Servicing for the XXXX time regarding this situation on XX/XX/2022 who mentioned that it was a misunderstanding and that I should be refunded a total of {$3500.00}, since I do not have any late charges from my previous lender ( XXXX  ) statement XXXX. Showing {$590.00} payment from the last month period I had with them.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TX

Complaint narrative:
I have new information regarding an open complaint CFPB COMPLAINT # XXXX and XXXX. 
I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Experian a letter on XXXX letting them know that I have handled this account and asked them to remove it. Experian still have this company reporting negatively on my consumer report willingly and knowingly. Experian is in violation of 15 usc 1681.

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 2022-02-15 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
American Honda Finance received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and XXXX reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies .

I have attached a screen shot of my payment history from my American Honda Finance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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