vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024 I withdrew a small amount from my checking account via a bank machine at my local branch at Chase in XXXXXXXX XXXX When I got home some 10 mins later I received an email asking to confirm if I requested a new debit card. I called immediately to say NO. The rep said that after review, he thinks that the bank was doing due diligence and sending me a new debit card since mine will expire in XXXX of XXXX. This didn't sound right but I went along with the official bank decision. Following this notice, I received several other emails asking for me to confirm if I was in FL attempting to withdraw larger amounts such as {$4200.00} and then {$4800.00}. I kept calling saying NO it was not me but nevertheless the bank went ahead and released the money. During one of my calls, I was advised that the new bank debit card sent to FL was used to make these transactions. I subsequently called numerous times to get this straightened out and I changed all the cards and pin numbers. I also filed a police report and the Detective at XXXX XXXX in XXXX XXXX advised that most likely a skimming device was installed at the branch 's machines. 

Just when I thought after two weeks of constant calls to Chase this issue was resolved and my account would be credit some XXXX dollars I received another letter saying that the bank will once again take this money out of my account as their investigation showed that my card with a chip was used so therefore I must have been involved in these withdrawals in FL thousand of miles away from where I was!! 

I called the main bank number ( XXXX XXXXXXXX ) to file a complaint and to inform them that rather than talking to nummmmerous agents it would have been easier for me if they had a better system so that a global review team had my case so that I didn't have the run around that I was put through, but instead the woman rep said that she couldn't explain to me that all was done and then she hung up!! My other point is that if I wasn't an XXXX with mastery of XXXX XXXX and didn't wear XXXX XXXXXXXX like my XXXXXXXX XXXX does, I would have been out of {$9600.00}. What if I had XXXXXXXX XXXX and this was all the money that I had in my checking account, but no one wanted to listen. I had to wait until Chase did they due diligence for over two weeks and I still don't know if my money will be returned to me permanently. AWFUL service and trickery for the custodians of my hard earned dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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.

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 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 2024-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
II received an E-mail from Freedom Mortgage that I would receive a surplus check for {$3700.00} from the escrow analysis they did. XXXX XXXX, I called them and talked to XXXX and informed her that I have not received the check along with the escrow analysis statement. She told me that they mailed it out XXXX XXXX. I informed her that I have not received it, she told me to call back XX/XX/XXXX that is when they would put a stop payment on the check and re-issue another one. I called them XXXX XXXX and talked to XXXX and told him the situation about the surplus check that I have not received the check in the mail. He informed me that they can direct deposit the money in my bank account. I gave him my banking information and told me that the money would be deposited in 3-5 days, if it was not in my account by XX/XX/XXXX, for me to call them. I called them back XX/XX/XXXX and talked to XXXX, he informed me that it was still in process. Called them XXXX XXXX and talked to XXXX and told her what the last person told me about the situation, and she informed me that they DO NOT do direct deposit money to a customer 's bank account, they only mail them out. She told me that if the customer did not receive a surplus check from them, they would have to wait 30 days before they issue another check out. She told me that they issued another one out XXXX XXXX and that I should receive it in 7-10 days. I called them XXXX XXXX and talked to XXXX and informed her the situation. She tells me that if I did not receive the check next week, for me to call then and that they would send it direct deposit. I informed her that the last person that I talked to told me that they do not do that, and all she kept telling me is that If I did not get the check sometime next week, for me to call them and that they would do direct deposit.

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 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello- rather than describe the chronology of events, I will refrain from stating the loan servicer and lender 's federal and California state laws violations and respectfully defer CFPB to the enclosed and undisputed self-explanatory documents that speak volumes. 

My husband XXXX XXXX and I IMPLORE CFPB 's URGENT INTERVENTION in HALTING the scheduled foreclosure and auction this Thursday, XX/XX/year>. I have been down for weeks from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( enclosed ) and XXXX XXXX  this past week and apologize for the delays in reporting SPS, XXXX and XXXX XXXX XXXX and their emails are shown in the enclosed documents and phone numbers are as follows : SPS Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent dispute requests to TransUnion and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX The dates of these disputes are as follows : XX/XX/XXXX and XX/XX/XXXX. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus. Furthermore, I have received emails from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate. I have also received emails from TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate.

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 2024-08-04 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: IL

Complaint narrative:
XX/XX/XXXX I received an email from Experian notifying my that my Credit file had been Automatically Unlocked because my fee paid service was cancelled putting my financials and myself in great harm! 
Previously you can see from an earlier complaint against Experian I was given a free year of service from the XXXX XXXX XXXX XXXX XXXX but because I was already paying member they wouldn't let me utilize the free one from XXXX XXXX XXXX. Your help fixed their evil idiocy. 
When they finally understood their mistake with your help/directions they gave me my XXXX & XXXX XXXX XXXX and canceled my paid subscription. 
A week later after " resolvement '' I get this email saying, " because I cancelled my paid subscription my Credit File has been automatically Unlocked '' leaving me completely vulnerable. EVEN THOUGH I PRESENTLY HAVE THE XXXX XXXX XXXX SUBSCRIPTION. 

These aimless idiots!! Again I tell you, to many departments and these careless clueless idiots are going to hurt someone because they have TO MANY DEPARTMENTS!! ONE HAND HAS NO IDEA WHAT THE OTHER HAND IS DOING AT ALL and WE PAY THE ULTIMATE PRICE!! 

Please help save us from this XXXX XXXXXXXX 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB, Within a couple of weeks of me mailing out dispute letters, it is very common for us consumers to receive back correspondence from the credit bureaus relating to my disputes. 
In many cases this correspondence isnt the results of my disputes, but other letters mailed to me by Equifax Credit bureau that reference things like requesting client identification or to alert me that some type of possible fraud is occurring due to my disputes. 
These letters are commonly called stall tactics in the credit dispute industry because, they are only intended to frustrate and confuse me and stall the dispute process. CFPB, I received a total of 10 stall letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Majority USA, LLC
State: GA

Complaint narrative:
What happened is that they made some charges on my account and I was able to allow the majority to see that and they only closed my account and told me that they were sorry that I investigate what happened that they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. Delete immediately

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 2024-08-04 00:00:00
Product: Credit reporting 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:
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.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

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 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 2024-08-04 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: PA

Complaint narrative:
XXXX XXXX is reporting an account that I believe has been RE-AGED and it is too old to be reporting on my credit report. Date of Last Payment XX/XX/XXXX reported by XXXXXXXX XXXX who sold this alledged account to XXXX XXXX. 
XXXXXXXX XXXX has reported the Date of Last Payment as XX/XX/XXXX and have sent me paperwork showing Date of Last Payment as XX/XX/XXXX on their statements re : alledged acct. 
Recently, for some reason XXXX XXXX # XXXX is reporting a Date for this account to be removed as of XX/XX/XXXX on my Experian credit report and this is inaccurate! I want this collection removed from my credit report in its entirety because it is too old. 
Date of Last Payment as XXXX XXXX makes this account more than XXXX XXXX XXXX because the Date of First Delinquency is the date that triggers the the 7 year reporting period which would be XX/XX/XXXX because it follows the Date of Last Payment, delete this account. 
If this account is verified I in advance would like to make a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Please do not send me a form letter describing generalties regarding your firm.

I am requesting the name of the person you spoke with along with ALL the procedures that were used to verify if my dispute is verified. 
The aforementioned LAW states I should receive this information within 15 days or I can sue seeking {$1000.00} if your agency fails to adhere in a timely manner. 
Thank You so much in advance.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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.

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 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 2024-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Company hasn't told me how the process works and has not removed the information reporting incorrectly which is against my Consumer Rights and grounds for relief through due process. Items are unverified and no one has told me step by step the process for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

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 non-monetary relief
Consumer complaint received 2024-08-04 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: PA

Complaint narrative:
I requesting method of verification for this account XXXXXXXX  {$650.00} Account # XXXX. This account was charged off and The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 
15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of e rrors 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.

the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii The information is, in fact, inaccurate. 
Duty a moral or legal obligation ; a responsibility Accurate, correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

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 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with NCA, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company hasn't told me how the process works and has not removed the information reporting incorrectly which is against my Consumer Rights and grounds for relief through due process. Items are unverified and no one has told me step by step the process for verification.

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