vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX, I submitted a claim with Jp Chase Morgan Bank. It was an XXXX purchase of {$600.00}. returned this product an have yet to receive my funds back onto the account. Not only is it that transactions but its multiple. Those disputes cases are for XXXXXXXX XXXX XXXX XXXX {$600.00}. The reference number is # XXXX, for the Mulitple transactions- {$200.00} the reference number is XXXX, For the XXXXXXXX XXXX XXXX XXXX the r4eference number is # XXXX and the XXXX XXXX sent money - {$200.00} reference number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter is being sent to you in response to a listing on my credit report. This not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to reque validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that! have some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), its important to clearly outline your issue, what actions youve taken, and what resolution you seek. Heres a template you can use to structure your complaint : -- - **Your Name** [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Against Experian Regarding Identity Theft and Inaccurate Reporting** Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of my dispute related to identity theft and the inaccurate reporting of information on my credit report. 

Background : 1. Identity Theft Claim : I filed an FTC Identity Theft Report # XXXX on XXXX XXXX due to fraudulent accounts appearing on my credit report. Along with this report, I submitted other documentation, including my drivers license, and a detailed dispute letter. 

2. Experian 's Response : Despite my submission of the FTC report, I received a communication from Experian on XXXX XXXX & on XXXX XXXX indicating that my request to block the fraudulent information had been declined. They stated that my request was either made in error or based on a material misrepresentation. 

3. Privacy Concerns : I am concerned that Experian is certifying information solely based on the word of the reporting companies without providing me with the evidence necessary to support their assertions. This raises issues regarding my privacy rights under the Privacy Act of 1974, as well as my rights under the Fair Credit Reporting Act ( FCRA ). 

4. Lack of Investigation : I contacted Experians fraud department and was informed that the disputed items could not be blocked without additional documentation. I was advised to provide validation from a law enforcement agency, despite the fact that the FTC report holds equal value to a police report. I believe Experian is failing to conduct a reasonable investigation into my dispute and is acting as a de facto debt collector by reporting inaccurate information without proper validation. 


I have attached proof from the FEDERAL TRADE COMMISSION WEBSITE AND MY EMAIL, PROVING THIS IS A LEGAL DOCUMENT FROM A GOVERNMENT AGENCY, I DO NOT APPRECIATE EXPERIAN ACCUSATIONS AGAINST ME, WITH NO EVIDENCE TO SUPPORT THEIR CLAIM! 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Years ago I had several accounts with Chase bank, including a HELOC. I was dissatisfied with Chase, so I changed banks. All of my Chase accounts were in good standing, and there were no outstanding balances of any kind. Chase did not notify me of any outstanding items. This week I applied with my present bank to increase my HELOC. They replied they would do so, except I first had to ask Chase to remove a lien from my file. I was previously unaware of the lien. Chase has never contacted me about it. I belive my balance is zero. I believe the lien is on file due to Chase 's negligence. I contacted Chase and asked to have it removed. Chase has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I dont know these people their on my credit report. I still go to XXXX XXXX XXXX I pay my debts so this shouldnt be on my credit report. I never hear on the company, no verification of debt. Who theyre collecting for or nothing. Their just reporting inaccurate information for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXX XXXXXXXX XXXX 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Received Direct deposit through Venmo on XX/XX/year> XXXX. Amount was {$1100.00}. Purchased XXXX  through Venmo on XX/XX/year> XXXX, and transaction was completed. Amount was {$1100.00}. Inability to transfer out of Venmo. Sold XXXX. Account credited the full {$1100.00} on XX/XX/year> XXXX. Purchased XXXX through Venmo, twice, {$10.00} and {$31.00}, XXXX and XXXX. Unable to send out XXXX  again. Sold XXXX  on XX/XX/year> XXXX. Account credited. Purchased XXXX  for {$1000.00} and transaction completed on XXXX, XX/XX/year>. Inability to transfer XXXX  again, which lead to a sale of said XXXX  on XX/XX/year> XXXX. Funds were not released, given date of XX/XX/year> to be released. Upon speaking to customer support, XXXX incapable of expediting process. Spoke to supervisor. Also was given same incapability, along with no allowed expedition due to no line of communication with team who reviews said process. Told funds will be released on the dot of 5 days after initiating sale of purchase. Used Venmo religiously to purchase, sell, and transfer XXXX, never receiving a delay or freeze on account. This time, I did, and considered I use Venmo as my financial institution, I am going to be late with bills and missing due dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I signed up for XXXX synchrony car care cards. XXXX with XXXX  XXXX and XXXX with discount tire. I signed up for the online payment option and made payments on both last month online. When i went to log in this month to pay i was blocked from accessing my account. The statement on the website reads " This account may have been closed or blocked. Please contact customer service at the number on the back of your card. '' So i called customer service twice. Both times they refused to unblock the account. The first time, after XXXX minutes, they said they were transferring me to tech support. I then spent XXXX hours on hold before the call was disconnected. The second time they also refused to help. This time i told them to have tech support call me when they were available as my time is valuable and being a victim of there incompetence is not required to pay a bill. When i asked for paper statements they told me i would be billed for this. I refused to pay. I believe this is intentional to rack up late fees and junk fees. Why would i be required to spend XXXX hours on the phone without getting the situation fixed or pay a fee. Why would i be punished for their incompetence. Why would they block my online payment access and then bill me for it? I am a 100 % XXXX US XXXX  Veteran from the war in XXXX and this is triggering my XXXX. I have informed them of my XXXX on multiple occasions. I was forced to ask over XXXX times for paper statements before they honored this request. They are very very very intentionally refusing to solve their own issue in order to XXXX late fees and junk fees

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 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
On XX/XX/2024 I downloaded a copy of the payment history from Mr. Cooper website. As of this date the principal amount applied was XXXX and interest applied was XXXX ( ATTACHMENT 1 ) On XX/XX/2024 I filed a complaint with the CFPB as a direct result of the XXXX  violating the law. 

On XX/XX/2024 Mr. Cooper made adjustments to my account to correct the errors as a result of the cramdown. The interest adjustment as a direct result of the cramdown was from 5.75 % to 2 %. Thus that the amount applied to the principal should have increased significantly. IT DECREASED SIGNIFICANTLY. The post adjustment payment history was downloaded XX/XX/2024. ( ATTACHMENT 2 ). 

Principal Balance On XX/XX/2024 I downloaded the post adjustment payment history The principal applied decreased from XXXX  as of XX/XX/2024 to XXXX Resulting in a loss of applied principal of XXXX 

Interest XX/XX/2024 - XXXX XXXX XXXX XXXX The amount of interest logically decreased. Interest decreased by XXXX. 
The amount applied to the principal should have increased at the minimum proportionate to the decrease in interest. 


Unapplied funds On XX/XX/2024 Net unapplied funds were XXXX On XX/XX/2024 Net unapplied funds were XXXX  Net unapplied funds reduced by XXXX leaving the XXXX still unapplied Escrow On XX/XX/2024 Escrow was XXXX  On XX/XX/2024 Escrow was XXXX Escrow was reduced by XXXX  The payoff quote included and escrow balance of XXXX However, the company reduced the amount in escrow by XXXX without support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On XX/XX/year>XXXX  an unauthorized purchase for an Apple gift card Order Number : XXXX for XXXX was made on the Apple website. My Apple Credit card virtual number was used as well as my Email and home address, the gift card was sent to an unknown email. When I received the email receipt of the transaction from Apple Store I initially thought that my Apple account had been hacked so I logged in, but there was no purchases made from my account but I changed my passwords anyways. I then contacted Apple credit card through their notification system. They opened a dispute and reversed the charges apparently there was a delayed processing of the fraud. They said it would take two weeks. I was never informed that I should contact Apple directly. I thought I had contacted Apple through the Apple credit card. Two months later, I was informed that the dispute was reversed, and that I would be liable for the charges and then resubmitted and contacted Apple directly about the fraudulent purchase that is when they stated that it was made with a guest login I asked for what was purchased with the gift cards and where. But they would not share that information. At this point I have resubmitted 3 times, filed a police report, and sent a letter to Goldman Sachss, requesting the dispute be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had my phone and wallet stolen and numerous of my online account compromised, after going to a branch to withdraw money I learned my account had been wiped out via XXXX  deposits totaling XXXX. I filed a police report and a dispute with my bank on XX/XX/XXXX. The representative told me id have my money back in XXXX business days. I havent gotten a new card no credit or any contact regarding this matter.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief