vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sent this affidavit to Sallie Mae Bank in regards to proof of obligation to this alleged debt. 

XXXX XXXX } Sallie Mae Bank XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX } XXXX XXXX XXXX UT XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX XXXX herein after Affiant, does solemnly swear, declare and state as follows : Affiant is competent to state the matters set forth herein. 

Affiant has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, Affiant will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. I look forward to hearing from you. 

Thanks 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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I have had a CREDIT FREEZE on all 3 reporting agencies. The only one is TRANSUNION that let " XXXX XXXX '' ( XXXX XXXX  ) some how put hard inquiry on my credit report. How can a company get through a credit freeze that has been on for two years.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
i received a letter in early XX/XX/2022 from both company oportun and XXXX stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. 

Middle man JP Morgan decided to enrich itself by stealing then lying to everyone. 

The bank expects you the CFPB to do nothing about it. 

Since JP Morgan decided to steal then lie, I chose to I document everything to show the Attorney General & White House.

44 asked questions. 45 didn't care 46 wants answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

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 2022-03-05 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: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022, I noticed an unauthorized charge of {$700.00} was charged to my Chime card. Once the charge indicated as " posted '', I immediately submitted a dispute for the charge. Within 15 minutes, I received an email back from the card company stating that they have concluded their investigation and the charge would not be reversed. I then asked for documentation that was used in their investigation in which I was never supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i received a letter in early XX/XX/2022 from both company XXXX  and CapitalOne stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
3 unauthorized ATM charges were made on my savings and checking account : ( 1 ) 1 transfer transaction between my savings account and checking account in an amount of {$380.00}, ( 2 ) 1 ATM withdrawal in the amount of {$1000.00}, and ( 3 ) 1 ATM withdrawal in the amount of {$600.00}. These charges emptied my total funds in my checking account leaving me with {$76.00}. I made a fraud claim with Chase and they provided the temporary hold for the first transaction but they still have not provided the credit for the other two transactions, totaling {$1600.00}. They said that these were not physical ATM transactions but online XXXX XXXX  payments and they are still investigating these transactions. I have been following up with them everyday and I still have not received my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I sent XXXX XXXX This affidavit asking for proof of obligation of this alleged debt. 


XXXX XXXX } XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX PA XXXX } XXXX PA XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX , herein after Affiant, does solemnly swear, declare and state as follows : XXXX is competent to state the matters set forth herein. 

XXXX has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, XXXX will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( s ). XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. Please cease and desist of any further attempt to collect on this alleged debt until you can validate it with the original instrument. I look forward to forward to hearing from you. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/XXXX, XXXX my debit card was stolen and i had {$1000.00} stolen from me by Unauthorized ATM Withdrawals. 

Today XX/XX/XXXX another {$970.00} was stolen via ATM. 

I filed a fraud claim with Wells Fargo through the Online Banking system they have setup, i would like to file a Regulation E claim on these transactions as they are unauthorized from a stolen debit card.

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 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, a natural person, requested Discover Bank on the Consumer Financial Protection Bureau ( CFPB ) portal to provide me with a 1099c form, due to Discover Bank has my account listed as Charge-Off with the amount of {$1200.00} to all the major Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX XXXX XXXX However, Discover Bank has responded on XX/XX/2022 and made it clear Discover Bank CAN NOT provide me, XXXX XXXX, a natural person, with such documentation ( 1099c ) as I requested. Without further ado, as I am investigating this matter, this is a violation pursuant to 26 U.S. Code 7203. Willful failure to file return, supply information, or pay tax. If they are listing the account as a write off and fail to provide the form, pursuant to 26 U.S. Code 6655 is another violation. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested my free annual credit report from TransUnion and I have not received it. On XX/XX/XXXX, TransUnion sent a postcard stating that I already received my free annual report. I have never requested a hardcopy of my credit report from any credit reporting agency before XX/XX/XXXX, therefore, this information is false. The agency also provided no proof of 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 explanation
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

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 2022-03-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Experian credit report for the month of XX/XX/2021. I was not 30 days late XX/XX/2021. 

Please correct.

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 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is what I wrote to Chase Bank. I have called the local branch in XXXX at least 30 times over a two week period, and I only get their answering machine. 

On XX/XX/2022, Chase Bank XXXX ( Branch XXXX, XXXX  and XXXX ) made a wire transfer for me. I asked that {$20000.00} be transferred from my account to a XXXX XXXX. The young man who arranged the transfer was XXXX XXXX. He prepared the documents, asked me to review them and I did. I then signed the documents. What I didn't notice was that Chase had converted my {$20000.00} USD to XXXX dollars ( XXXX  ) BEFORE the transfer. I did not want my USD converted to XXXX. Chase used an exchange rate of XXXX. The published exchange rate for that date, from many different sources, was XXXX. This caused me a loss of {$780.00} dollars!! Why was I not informed by your employee that not only had they converted my USD to XXXX, but that it would cost me {$780.00} USD?? Is this how Chase takes care of its customers? So now I have paid a {$50.00} wire transfer fee, and an additional {$780.00} for a {$20000.00} transfer. I'm sure they will say, " Well you signed the document. '' Maybe so. But I should have been VERBALLY INFORMED about the details of the transfer, and how much their exchange rate was going to cost me, to make sure there was no misunderstanding. They did not do that. 

A significant question - from where do theyu get their exchange rates? Is the terrible rate they gave me just another way Chase takes money from its clients?? What is their justification for that pathetically bad rate they gave me? They say that they have no control over currency exchange rates. If that is true, something is wrong with their system. The rate they used was nowhere near the published rate for that day. 

The overcharge should immediately be refunded to my account. 

I hope I have made a mistake in my understanding of the situation. But my understanding is that I have been robbed of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Transunion credit report for the month of XXXX and XX/XX/2021. I was not 30 days late XXXX or XX/XX/2021. Please correct.

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 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
my wallet was lost a few years ago, i did report it since i noticed since then my information was being used to open accounts that were unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am not even sure where to report this and ask advise on this matter. I deferred mortgage for a year due to covid 19. As much as I know, it will be deferred to the end of payment including principles and interests. I resumed my payment exactly year later. When I get 1098 for 2021, it shows that my lender is charging deferred interest due to Covid 19 from the payments I made in the year of 2021. I called to my mortgage professional assigned to my account saying that I need to call bank for more information. I XXXX  again for the information aboout deferred payment relating to Covid19 and found the following from the following link. 

XXXX XXXX XXXXXXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, been % XXXX % XXXX % XXXX % XXXX. 

It does not require a trial period plan as required for a loan modification, which requires several months of payments prior to modifying your loan It keeps the principal and interest portion of your mortgage payment the same as it was prior to your COVID-19-related hardship. Note : Adjustments to the escrow portion of your monthly payment for taxes and insurance may affect your total monthly payment. 
You will not be charged interest on the missed payments that have been deferred. 

From the beginning, my understanding is my lender is not supposed to assess any portion of interest relating to this deferred payment except the fact that it will be added into the end of my original mortgage expire date. 
Please advise me. 
Thank you. 

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 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UBS BANK USA
State: TN

Complaint narrative:
I have been paying a closed account down with UBS bank. Even though I have made a payment every month, UBS has retained a law firm that is continually harassing me and is not abiding by the cardholder agreement. I would like UBS to CEASE and DESIST from this harassing activity immediately. And be appropriately sanctioned by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjust has contacted my employer, my family and continually calls when this debt doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The debt collector is trying to collect an amount that is not owed. I never agreed to this amount. I attempted to come to a agreement with them and they did not agree. I sent them a notice to delete from report because the amount is hurting me. Please delete this false number from my report. It is hindering me from moving forward in life. I cant get a home for myself and kids because I'm not trusted due to a false number that a credit card company is trying to collect. My credit limit was {$300.00} and their reporting {$680.00}. Their punishing me for basically having issues with with my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I purchased a XXXX gift card for {$100.00} from XXXX as a XXXX gift for a friend. My friend lost the gift card. Since I have the activation receipt, I thought that it would be simple matter to get a replacement card or for them to provide me with the card number and pin. I contacted XXXX customer support and they started a case. They eventually sent me a pin, which they claim they got from InComm, but it is not usable on XXXX 's website, and I was not given a card number. On XXXX 's website, they require a 16 digit card number and an 8 digit pin. XXXX sent me a 13 character " pin '' consisting of 3 letters followed by 10 numbers. XXXX 's website does not accept characters in the pin field. I have also tried to contact InComm through their customer support request page over a month ago, but have never received a response, not even an email confirmation. I have the activation receipt, bank statement. I need assistance in getting the card information, so that my friend can use the gift that I purchased for her. Gift cards need to be better regulated. As it stands now, the gift card companies are getting away with taking people 's money, which is essentially stealing. I have proof that I purchased the gift card, but I can't get any help from anyone. This is totally not right.

Company response to consumer: Closed with explanation