vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to bring your attention to a matter of significant concern and frustration regarding the multiple requests I have made to JPMorgan Chase Bank for a 1099-C form. On XX/XX/year>, I sent a certified letter with tracking number XXXX XXXX XXXX XXXX XXXX, explicitly requesting this form for a debt that was charged off. The 1099-C form is necessary for me to fulfill my tax obligations, as required by the Internal Revenue Service ( IRS ) for charged-off debts. 

Despite my efforts and numerous requests, I have not received the requested 1099-C form from JPMorgan Chase Bank . This situation is causing undue stress and inconvenience, as I am unable to accurately file my taxes without the necessary documentation. 

I kindly request that JPMorgan Chase Bank takes immediate action to address this matter by providing the following : Issuance of 1099-C Form : Please promptly issue the 1099-C form for the charged-off debt, and ensure its delivery to my address on file. 

Confirmation of Delivery : Provide me with written confirmation of the date on which the 1099-C form was sent to me, along with any tracking information if available. 

Resolution of the Issue : If there are any outstanding issues preventing the issuance of the 1099-C form, please provide a detailed explanation and steps to resolve the matter. 

Deletion of Items : In the event that the 1099-C form can not be provided, I request the immediate deletion of the relevant items from all my consumer reports. 

I want to emphasize the urgency of this matter, as it directly impacts my ability to fulfill my tax obligations in a timely and accurate manner. Your prompt attention and cooperation in resolving this issue are greatly appreciated. 

I trust that JPMorgan Chase Bank will take immediate and decisive action to rectify this situation. I look forward to a swift resolution and the provision of the necessary documentation to allow me to file my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

As a committed PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
SEQUIUM ASSET SOLUTIONS, is trying to collect a debt that I do not owe. They can not provide me with a debt verification letter, a signed document bearing my signature. The statute of limitations have expired. I have retained an attorney to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen from me from a restaurant in Washington DC. The thief gained access into my phone and tried to access multiple accounts and apps of mine. He used XXXX and sent himself {$500.00} along with a bunch of smaller amounts but those were blocked. He also used XXXX XXXX and sent himself a total of {$5000.00}. He then used my XXXX  account to take him to his address which I gave to the police. The next day when I looked at my email and saw all these emails of different accounts being used and some of accounts locked ( XXXX XXXX XXXXXXXX Account, Chase Account, XXXX ) due to multiple tries of getting in, I went to the police station and filed a report. I gave the police all the information I could get on the guy using his name from XXXX and searching the internet. I then went to Chase bank and filed claims for all the charges, because that was the account connected to XXXX XXXX and the bank that I had all my cards with and were in my phones wallet, and these were the ones committed on my account. After filing the claims, I was told I have 0 % liability for any fraudulent activity that was committed. I thought the issue was over but than a month and a half later on XX/XX/XXXX, I opened my chase account and saw the transactions were reversed and {$2000.00} was taken out of my account. I called Chase to ask why this occurred and was worried about the other {$3000.00} in relation since they were all the same type of transaction. I was told several times that they reversed it because XXXX deemed this transaction valid because my phone number and name matched and that there were no failed attempts when typing in the passcode or face ID. I told them that of course the name and phone number match because it was done on my phone which was stolen and obviously if he gained access to my phone which meant he knew the passcode which is probably why there were no failed attempts. They said I need to submit all the evidence I had and they will see if it is enough to reopen the case. That is unacceptable because everything I have shows this is fraud so I submitted everything I have to them all the emails and screenshots and am waiting while they investigate more while I am negative in my account and have no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with DNF ASSOC company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
Subject : Complaint Regarding Misattributed Messages in Bank 's Secure Messaging System Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against UFB Direct, a division of Axos Bank, regarding a deceptive practice in their secure messaging system. 

Background : On XX/XX/XXXX, I accessed my secure messaging system within my online banking account at UFB Direct, division of Axos Bank. I discovered that the system displayed messages attributed to me that I did not write. I contacted the bank immediately to clarify this issue. 

Communication with the Bank : On XX/XX/XXXX, I contacted UFB Direct, a division of Axos Bank, customer service via secure messaging system and explained the problem. I specifically stated that messages were labeled with my name, making it appear I wrote them when I did not. I also provided a screenshot of the message thread as evidence. 

Following this initial contact, I engaged in further communication with the bank over the next two months to seek a resolution. However, despite my efforts, the bank ultimately responded on XX/XX/XXXX stating that misattributing message authorship is not an error, but their standard practice. They confirmed they have no intention of changing this practice. 

Concerns and Request : I believe this practice by UFB Direct, a division of Axos Bank, is misleading and deceptive. Assigning authorship to messages that I did not write misrepresents the information and creates a potential risk of confusion and misuse. This is particularly concerning in a secure messaging system where accurate communication is essential. 

Therefore, I request the CFPB to investigate this matter and take appropriate action to ensure UFB Direct, a division of Axos Bank, implements practices that accurately reflect message authorship within their secure messaging system. 

Additional Information : I have attached the following documents for your reference : Screenshot of the message thread showing misattributed messages. 
Copies of all communication I have had with UFB Direct, a division of Axos Bank, regarding this issue. 

Thank you for your time and attention to this matter. I look forward to your response and further action on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EXPERIAN to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/year> FTC Report NumberXXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EXPERIAN conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EXPERIAN will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
More than {$5000.00} was taken out of my checking account in about 7-8 minutes around XXXX XXXX  on XX/XX/XXXX, across three transactions. This is despite the fact that I have created security alerts for transactions that exceed {$120.00}. Normally, I would get a text asking me to verify any transaction larger than {$120.00} and the transaction wouldn't be approved unless it was authorised. It did not happen in this instance. Two of the transactions reversed themselves almost immediately, but one, worth {$2400.00}, went into " pending '' status and the money was taken from my bank account. I called Chase to report the fraudulent charge on XX/XX/XXXX, the card was cancelled, and Chase told me the money would be returned to me within 1-2 business days. It has been more than 2 business days, the money still hasn't been returned, and Chase has not been able to explain the security lapses. Instead, I have been given a runaround between 3/4 departments, and I get a different explanation each time I asked someone to explain to me when the money will be returned. And no one has been able to tell me why the security alerts did not work. Not once did Chase contact me to explain why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
On XX/XX/23 First Tech sent an email freezing my new checking account after I made a paycheck deposit on line with a check from my employer for {$1100.00}. There email said my account was suspect to fraud. Ive had no issues depositing at my other banks. The account with First Tech had been open about a month and I was going to transfer other funds and glad I did not yet do that. I called customer service to try and have them verify my identity which they did and reverified the check deposit I made. The representative told me that I would have to wait to get this unfrozen and it could take days. I have no access to my account or the money. It seems like the bank instantly jumped to conclusions on a paycheck and is deliberately holding funds. This was not a personal check. Its a check from a large employer.

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 2024-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I received a alert from XXXX stating that my credit score drop and that there was a added debt collection added to my file. I went onto XXXX and saw that a debt collect that is owed for XXXX and has been passed on to XXXX XXXX XXXX. The issue is I have never had any dealings with XXXX  for service. As far as the information on my credit report this debt was open in XXXX  and is now past due! I have been with XXXX for cell services! This debt is not my debt and I have no known knowledge about this. I have tried to contact the company on XXXX and on XXXX I was able to speak with someone and get a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I just received an alert from my 3 credit bureaus letting me know a collection agency by the name of Jefferson Capital Systems is reporting negatively on my XXXX, XXXX, and XXXX XXXX Credit report. When I got access to my 3 bureau credit report, I noticed that they collecting on behalf of XXXX XXXX I immediately called XXXX and spoke to a rep by the name of XXXX, Employee ID XXXX XXXX. I informed XXXX that I've never had any account with their company. He asked for my first and last name and social security number. I gave him my personal information and he was able to confirm that this account was a cancelled account and I owe no money to them. I then informed him that a collection agency by the name of Jefferson Capital Systems is negatively reporting on my 3 bureau credit report that I owe them money and that they are collecting on behalf of XXXX . The rep told me to reach out to this collection agency immediately because they are reporting a false account on my credit report which I owe nothing and ask them to remove this account immediately. 
When I called Jefferson Capital Systems, prior to speaking to anyone, their system asks you to input your social security number in their system so that they can pull up any account associated with my social security number. When I inputted my full social security number, their system confirmed I do not have any account with their company. But I still wanted to speak to one of their agents because its reporting on my XXXX, XXXX and XXXX XXXX Credit Report. 
The agent 's name I spoke to is XXXX, Employee Number : XXXX. He is a supervisor with Jefferson Capital Systems. He asked for my last 4 of my social security number. I gave it to him and he immediately said he is collecting on behalf of XXXX XXXX So I asked if I could give him my full social security number instead of my last 4 of my social security number. He refused to accept my full social security number. So I asked him if we could get XXXX on the phone so that they can tell him that I never had a XXXX  account and I owe XXXX no money. He refused to call them but instead he said he wanted to file a fraud case instead. So I asked XXXX what fraud was committed besides his company illegally representing XXXX as their client which their claiming to attempt to collect on behalf of because I owe XXXX no money at all . He responded with, " This is our process ''. 
Below is the account information of this fraudulent collection agency grossly overstepping their authority by falsely representing XXXX XXXX their client which their collecting on behalf of : XXXX XXXX XXXX - Amount they claim I owe : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I am reaching out to file a complaint due to the unauthorized inquires on my credit file. They are fraudulent and not mine. 
I have sent in a FTC report via mail but also attaching it here. 
As a consumer, I know my rights per the law and aware that anything regarding identity theft should be deleted.

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