vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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.

Complaint narrative:
This is related to the transactions charged to my account via debit card charges on XX/XX/2019. I had made a few debit card purchases in XXXX using my Chase debit card. On receiving my statement, I see multiple of these transactions and all of these transactions are showing this to be an ATM withdrawal from an ATM address in XXXX with the withdrawal being in XXXX currency ( Rupiah  ). I have never visited XXXX so I could not have withdrawn amount in XXXX currency. Moreover, I have enough evidence to show that I was in XXXX  on and around XX/XX/2019. This seems to be a incorrect or fraudulent transaction caused by Chase Bank or their associate bank operating in XXXX. I am not able to take this up with Chase Bank as they claim that their investigation with the ATM provider shows this to be a valid charge though I have evidence to show that I was in possession of my debit card and present in XXXX  at that time.

Further to this, the account has been forcibly closed without my consent with the reason provided as too many transaction where I have clearly mentioned that these transactions are unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and XXXX credit report, Equifax not late on XX/XX/XXXX, XXXX  XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and XXXX  credit report , not 30 days late on XX/XX/XXXX on Equifax, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and Equifax, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: MA

Complaint narrative:
There is this account on my credit report from this company called ORIN PORTFOLIO SERVICES , LLC, there is also a different name which is XXXX XXXX XXXX XXXX XXXX. I have disputed this account with the credit bureaus and this dispute always results in the account being validated. This company claims that I owed some bank {$600.00}, and they are offering me to take off some amount of money if I pay them {$540.00}. First thing is that I have never heard of these two companies and I dont have any agreement with them saying that I have an obligation to pay them, I have two different letters from two different collection companies telling me that they own this account, which makes me think about who these people are. How can two different companies owe the same account at the same time? and as I was reading the letter from ORIN PORTFOLIO SERVICES, it says that they were hired by their own company to collect this debt, the other company that tells me that they own this account is called XXXX XXXX. If these companies are claiming that I owe them money then I want them to provide me with the original contract bearing my signature, I dont want a copy, I wont accept any copies of account statements or an itemized piece of paper because this is not enough to validate this debt. The FCRA says that a creditor or collection company must provide the consumer with the original contract signed in wet ink by the consumer in order to validate a debt. Like I said, I have never had an account with any of these companies and I am not paying a single dime until this account is validated the correct way. If this account cant be validated in the allowed time by law which is 30 days, then I want this account deleted from my credit report, I want these companies to send request to all the credit reporting agencies that they report to, to delete this account from my credit report immediately. I also sent a dispute letter to the original creditor of this account and they havent responded to my request for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: CA

Complaint narrative:
XXXX is taking advantage of me for the last couple of years by charging me for a service that I could have done myself, they are still billing me monthly for {$39.00} USD monthly for the last 2 years +, I have emailed and called XXXX  and have not gotten a response, I also have reached out to a NY legal group and they recommended to reach out here to report this scam, I am attaching a case that they are currently fighting that directly relates to my problem 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 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I sent a certified letter and asked pro collect to validate the debt that was owed. A couple of weeks later on XX/XX/XXXX I received a letter that had some but not all papers of the lease and some documents that had what was owed on it. But the amount owed didn't make sense because it had 3 extra Months of rent on it. I sent another certified letter out and Asked for the Full Lease agreement and why there was 3 extra months owed and if there was a settlement offer and I have received the returned receipt back on XX/XX/XXXX but nothing else back from what I requested.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
SPS Loan Servicing did not respond to my loan modification in 30 days. After submitting documents several times, I was denied with no clear reason why. For the past 6 months, my Relationship Manager never responded to my many calls. It is a joke! I am working with a HUD approved housing counselor as well. Finally today, I was told by SPS by my relationship manager that there is no such thing as a Flex Modification thru XXXX. Wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I made a duplicate mortgage payment doe XX/XX/2019. I called the bank and the wells fargo mortgage holder. They will not rescind. I've already paid them and the next payment is not due till XX/XX/2019. This will cause me to default on upcoming obligations. I've missed no house payments and I called them as soon as I became aware of the discrepancy. They said their hands were tied. XXXX XXXX XXXX told me wells fargo could stop it but they won't. I need this payment stopped.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXXXXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and Transunion credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my Transunion and XXXX credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on Transunion and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my Experian and XXXX credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and Experian credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

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 2019-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. BK OF XXXX XXXX**, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX****, THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX 438857607027****, XXXX XXXX XXXX****,  XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX  XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX XXXX 543362886390****

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 2019-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company 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 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
Got a prepaid card for my teenage son and teach him about credit. Pre-loaded NetSpend credit card {$35.00} tried several times to register online for him to use. Have been unable to do so also made several attempts to contact the company. All you get is an automated number that does not lead to a live person. At this point very frustrated want this matter resolved 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 2019-08-13 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: FL

Complaint narrative:
Due to been impacted by the Equifax Breach and The XXXX XXXX Breach I have and am currently requesting a removal of all 70 Inquires on my Credit Report stored by Equifax and If Equifax does not find these Inquires Unauthorized please provide proof of Investigation course that was taken to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
this company ran unauthorized credit report on me, XXXX, XXXX me. I have never given permission for them to inquire my credit status, please remove it from my Transunion 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 explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was offered a loan with this company and accepted the loan terms under the impression they were a licensed lender in my state. I made a payment on the loan and got behind on the loan and contacted the company to make payments arrangements and told the company I could only offer to pay about {$25.00} per month on the loan because I am now out of work. The company refused the payment amount. I contacted my attorney general office to check on the validity of there license status and was informed that they are not licensed in the state that I live in which is South Carolina. The fees they are charging will never allow me to repay this loan in a timely manner. They have locked me out of my online account and refuse to allow me access to review the loan terms more closely.. When I try to log in it refuses to allow me to reset my password. Also, they are reporting this loan on my credit and they are not even licensed to make loans in my state of residence per my attorney general. The original terms of the loan was only 4 months and they have also changed this on my credit report stating this loan was for a total of 19 months which is not what I originally agreed to and is also false reporting on 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 explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this issue with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail with FTC complaint attached. As of today they have failed to provide me with the proof I have lawfully requested.

This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : CAPITAL ONE, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00}. Date Opened XX/XX/XXXX.

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried to buy a game currency for XXXX XXXX, and someone showed up in XXXX and offered me the service.

He provided 2 emails : XX/XX/2019 XXXX XXXX -negative {$360.00} Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2019.

Paid with XXXX XXXX XXXX XXXX XXXX XXXX Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Sent to XXXX XXXX   XXXX Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} And he also provided this other email : XX/XX/2019 XXXX XXXX + {$360.00} Refund The original purchase was on XX/XX/2019.

Refunded to XXXX XXXX XXXX XXXX XXXX Visa Credit Card VISA Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement.

Transaction ID XXXX Seller info XXXX XXXX XXXX   Refund details Refund total ( includes tax and shipping ) {$350.00} Fee {$15.00} Total {$360.00} From the first email ( XXXX ) he did a refund, and told me to send it to the first one ( XXXX ) and then he blocked me and disapeared with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: MO

Complaint narrative:
I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX  data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}

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 2019-08-13 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if  you are unable to provide me a copy of verifiable proof, you must remove the accounts listed XXXX XXXX   XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX 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