vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has refused to review a multitude of evidence, including receipts, XXXX information, XXXX information, and general lack of compliance from the company in questions. Responses have been minimal. The banking team does not reach out to inform of any decision or provide updates, only to acknowledge that they are " looking into the situation '' This was reported 6 months ago, and reported before the transaction occurred. The response I received was " Sorry, they had enough information to charge you '' then silence. I filled out a XXXX  and company responded to say they would look into it, only to receive incomplete data and zero correspondence. The chase bank team then said it was worthless to fight because the company was too large. The other company has admitted fault and issue. They have not been able to provide straight data the entire time of correspondence, issuing a wide variety of excuses as to why the information did not match or simply stated " They cant find it ''. There are also noted security issues as relayed to XXXX and proper authorities. Based on correspondence it seems they are trying lose or deter my interests by prolonging the bureaucratic system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX Finance C ( XXXX ) XXXX5 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-04 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: NC

Complaint narrative:
I have reached out to each reporting agency for a resolution but was not able to achieve one.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), Professional Finance C ( XXXX ) 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I received a summons/lawsuit letter on XX/XX/22. This summons claims I owe the plaintiff {$4500.00} issued by Portfolio Recovery Associates. I requested validation of debt/section 609 of the FCRA requires that Portfolio Recovery Associates provide me with a contract bearing my signature and to please forward me all signed documentation on this account and verifiable proof of this account belonging to me. I also requested itemization of this account. ( see CFPB complaint : XXXX ) Specifically, Portfolio failed to produce full verification/validation of a debt- at my request, which IS an FDCPA violation. 1. The original creditor XXXX  has responded ( on XX/XX/22 ) this complaint does not belong to them. 2. Failed to produce : Original contract bearing my personal signature/verifiable proof that this account belongs to me. Failed to produce : Itemization of the amount and age of the debt as requested. including : If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Please forward breakdown of any fees. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Additionally any reporting of this debt to the credit bureaus prior to allowing me to validate IS in violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. ( which, I am allowed under the FDCPA ). First notice from Portfolio received XX/XX/22 in the form of a summons letter. This inaccurate information must be deleted from my credit file immediately. Contact the credit agencies you have reported it to and remove this information from my credit profile. Under federal law, you must complete your investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NJ

Complaint narrative:
I reached out over a month ago and have never received any response

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 2022-10-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

I have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  placed an inquiry on my Equifax credit file dated XX/XX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my EIN and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Received a letter in the mail from Target with a new card- that I never applied for- so I subsequently called and cancelled my acct. They did say my SS # has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a prequalification application for a home loan at XXXXXXXX XXXX on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on Experian. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with XXXXXXXX XXXX because at the bottom of the report it says, " Real estate on behalf of XXXX XXXX XXXX XXXX. '' A loan officer named XXXX XXXX at XXXX XXXX was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him four times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called XXXXXXXX XXXX  nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called Experian today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with XXXX XXXX and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at Experian said all I can do is ask XXXX XXXX to fix it because Experian can do nothing. I do not believe that's true. I've asked how I can dispute this directly with Experian, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by XXXX XXXX are " authorized by law '' which does not make any sense. XXXX XXXX  specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.

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 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare was holder of my mortgage during Covid crisis. I was granted Forbearance in XXXX, XXXX, and extended in XXXX of XXXX Credit report showsmy payments as " Late, ' during entire Forbearance period and it is preventing me, as an XXXX XXXX from getting a reverse mortgage. I was told on XX/XX/XXXX, that I would get an email confirming I was o forbearance during that period. It has not been received. Three subsequent phone calls produced 2 results where my mortgage could NOT be found ( LoanCare transferred my mortgage to XXXX XXXX in XXXX, XXXX ) and the third Customer Service Rep told me that the email would be sent and told me it was marked, " Urgent -Rush. '' It was NEVER received ( I also checked in " XXXX '' ). My XXXX Mortgage has been held up another month waiting for this. 

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent the complaint to XXXX Trans Union and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation

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 2022-10-04 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: MN

Complaint narrative:
An account was opened by someone who took my identity. I did not open it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
Hello, This is my second complaint regarding the same group of lenders/loan officers associated with my mortgage. Below is their information : XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage XXXX XXXX XXXX XXXX ) XXXX BROKER XXXX Loans NMLS/SC LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX My first complaint was about Anti steering law that the lender and loan officer did not abide by. My complaint is unresolved to date. 

This is a complaint about the loan payment setup. I was repeatedly promised that there was no penalty to pay off the loan sooner than loan duration and that I will have the option to choose to pay at a bi-weekly pace. I have repeated confirmation from the loan officer from well before closing and from today XX/XX/2022 over the phone, my loan officer confirmed the same yet again. However, United mortgage 's representatives said they do not offer true biweekly payment opportunities. They instead offer a budget payment option that is not the same as biweekly and I am not interested in this make-shift option. I would like for the loan officer and the lender to clarify and rectify this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Online deposit system processed several checks and correctly rejected checks for deposit that had already been deposited, however system failed to recognize two checks already deposited, and were later corrected by the system and reversed. The bank has arbitrarily charged {$12.00} per error their system caused for a total of {$24.00}. Chase bank personnel and management have refused to acknowledge their system error and refund the {$24.00} charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/2022 my lawyer sent a chek for me to send to Sear Citibank for payment. Sent the check XX/XX/2022 called Sears citibank in XXXX to see why the funds had not been applied to my account. I was told there was never a check sent, then the check could not be located. Called again in XX/XX/2022 to have an investigation opened sent check info requested never heard from the bank. In XXXX I called the bank said just let the check expire and have it reissued. 
It is now XXXX 2022 called Sears Citibank to inquire I was first denied access to fraud department by XXXX XXXX customer service agent then she let me wait on hold for about XXXX mins then said I can't hear u and hung up. Called fraud department and after being told they could not find a check after giving them the check # she said she was calling her supervisor who said they could not locate a check and my case was close.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted TransUnion several times trying to dispute this account, only for Transunion to reply back to me, saying that the fraudulent account has been " verified '' and is mines. How could Transunion have verified this account, when the I in fact reached out to this company through this portal, and through their investigation of my claim, deem it Fraudulent.

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 2022-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing the following accounts with Experian, XXXX and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX  myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : Experian Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT MI XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.

Company response to consumer: Closed with explanation