vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: AR

Complaint narrative:
On XX/XX/2021 my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX  XXXX. I am a XXXX  XXXX  with XXXX and they offer a " XXXX XXXX  guarantee. ' I found this hotel for a cheaper price of {$190.00} through another company. I am having a difficult time getting XXXX to adhere to their own polices, but have also filed a complaint with the FTC. I then filed a dispute for the difference with MY financial institution, Chase, even provided the receipt direct from XXXX XXXX where I paid {$190.00}. The dispute was opened, I was then issued a provisional credit. XX/XX/2021 the fees were then reversed and I was charged the {$93.00}. I had provided all the documentation to show a. ) I paid {$190.00}, receipt provided, b. ) this is a third party that offers best price guarantee or they'll refund you 200 % and c. ) my account has always been in good standing. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed and they will not reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: LA

Complaint narrative:
Making an on-line purchase with Discover card and transaction was declined. Received an e-mail indicating a suspicious transaction with. the amount of {$39.00}, I indicated that it was not what I was attempting to purchase. The account was shut down and I was instructed to call the fraud dept. Called the number and auto answer stated wait time was over 10 minutes. I made several attempts to call Discover for 2 days ( XXXX and XX/XX/10 ) and each time was on hold for over 15 minutes and up to 30 minutes with no answer. In the meantime, I received e-mail messages to call the fraud department each time I attempted to go online and contact Discover. I also recieved an automated call from Discover advising it was the fraud department regarding a suspicious charge and once again, put on hold for over 15 minutes and then their system stated that there was no fraud specialist available and hung up. My payment is due on the XXXX and I was attempting to make a payment, but the account is locked, yet I get a reminder that my payment is due shortly. No one answers the phones on the general number or the fraud department number. This is no way to run a business and time spent was wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: American First Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an emailed contract from the " debt collector '', American First Finance. Pursuant 15 USC 1692a, American First Finance is a " debt collector ''. The " debt collector '', American First Finance has also used false, deceptive, and misleading representation in connection with this debt. American First Finance is in violation of 15 USC 1692e ( 1 ). It is implied that American First Finance being a corporate business in the United States ( XXXX, Kansas ) since XXXX makes them affiliated with the United States. American First Finance is in violation of 15 USC 1692e ( 2 ) ( A ). Pursuant to 18 USC 8, the term obligation or other security of the United States includes all certificates of indebtedness, hence my contract. Pursuant 26 CFR 301.6323 ( h ) -1, the term security means any evidence of indebtedness issued by a corporation. Per federal law this alleged obligation of the consumer is in fact the obligation or other security of the United States. American First Finance is also in violation of 15 USC 1692e ( 11 ). They did not disclose in the initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
This complaint is directed at the actions of Mullooly, Jeffrey, Rooney and Flynn, XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. I will refer to them as MJRF going forward. 

Earlier this year or late last year, I was contacted by MJRF by telephone. They first claimed they took a judgment against me. I advised them that I was never served. I also looked it up on the NY Courts website and there was no record of a judgment. I asked the woman at MJRF about this and she could not locate the judgment either and suggested to me that it may not have been awarded or may have been set aside. I also advised her the debt amount was highly disputed as I did not ask for or accept the oil delivery their client made. I disputed it immediately after the delivery and asked them to take it back but their client refused to do so. 

At the time of the call with MJRF, I made an offer to settle. The rep for MJRF suggested she did not know if the offer could be accepted based on the fact that there may be no judgment. She advised she would call me back but she never did. Now, at the end of XXXX of this year, I received a notice from the XXXX  County Sheriff 's office that my wages were being garnished over this debt unless I pay them within 30 days. I immediately reached out to MJRF again and again, I offered to settle. The person I spoke to stated that his client does not usually accept settlement offers but he would present the offer to them and get back to me. Hours later, I called their client directly and asked about the settlement offers and their client, XXXX XXXX XXXX confirmed to me that they have never received any settlement communications from the firm regarding this alleged debt. Soon after that call, a rep form MJRF called me and said that XXXX declined to settle. 

Based on my knowledge and research, MJRF clearly violated UDAAP multiple times as they deliberately deceived me regarding the status of the judgment and for failing to submit the offers I made to their client as they said they would. The latter, based on my research, is also a violation of the ABA rules. I also believe, based on my experiences and internet searches, that should the CFPB conduct an examination of all of the records held by MJRF, you will likely find many more violations of UDAAP and probably the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I, the consumer and original creditor, XXXX XXXX sent letter to credit reporting agency regarding them not having consent to report accounts. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

As the consumer no written instructions were given to report anything on my credit report. No consent is considered Identity Theft. I demand that the following account and inquiries be deleted from my report. Account name XXXX XXXX Account number XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX. Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX, Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
Equifax is reporting in accurate information on my credit report Ive called to get the in correct information deleted the inquiries below are fraudulent. 

XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I noticed Suspicious transactions on my Wells Fargo Credit Card account. These Transactions were for XXXX, Hotels, and a Smoke shop, all based in California. The sum of fraud was {$2200.00}. I disputed these with Wells Fargo. ( Detailed documentation of transactions will be attached to this claim ). 

One can see in the Transactions that they were in XXXX XXXX, XXXX, and XXXX California while I was in New York. Clearly, one can not be in both places at once. 

I called Wells Fargo to dispute these charges. I listed them each. A few days later I got a letter from Wells Fargo saying that no fraud occurred. Their reasoning was that " Since your card was in your possession at the time of the transaction, we have concluded that the charge was authorized. '' ( I am attaching the resolution letter they sent ). 

This seems to me like terrible reasoning. There are well documented instances and methods of Fraud that can occur while the owner is still in possession of the card. 

I called Wells Fargo on XX/XX/2021 to ask them how they could have reached this decision. They did not inform me. They did not provide documentation. They only said that they would take a second look. I have low confidence that they will resolve this fairly.

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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
This was a legitimate collection account. The debt was originally with XXXX  and was assigned to Midland Credit Management and was being handled by their attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH phone XXXX Account # XXXX. Original amount was {$3800.00}. This account was settled over the phone on XX/XX/2021 for {$2700.00} by my attorney XXXX XXXX XXXX XXXX MA phone # XXXX. It was paid for over the phone immediately. Despite being settled, XXXX XXXX obtained a default judgement in the XXXX MA XXXX XXXX on Thursday XX/XX/XXXX Docket number XXXX. 

To obtain this judgement post settlement is at best poor communication ; at the most unfair deceptive and abusive. XXXX XXXX is not returning calls to my attorney. My attorney will be filing a motion for the judgement to be set aside but the judgement was unfair. 

Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: PA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge Off : XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX/XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX Late Close : XXXX XXXX XXXX : {$0.00} XXXXDate Opened : XX/XX/XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
In XX/XX/XXXX, I reached out to Shellpoint Mortgage Servicing to request a 3 month deferment of payment for my mortgage due to the pandemic 's effect on my business. I was approved to defer XXXX, XXXX and XX/XX/XXXX. I then requested further deferment starting in XXXX. I contacted my mortgage company on a weekly basis and provided all requested documentation along the way. In XX/XX/XXXX, I was approved for a trial modification with lower monthly payments starting XX/XX/XXXX through XX/XX/XXXX. I made each monthly payment on time starting XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I received documents for a permanent modification which I approved. In XX/XX/XXXX, they sent me a balance due for the escrow. I paid the entire amount immediately, however the mortgage company did not apply it to the escrow. In XX/XX/XXXX, the mortgage company reported me as three months delinquent to all three credit bureaus. I have called them on a weekly basis and each time I received different instructions than what was mailed to me. There are also random fees in my mortgage history that were never sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Someone tried opening accounts with this creditors. This accounts do not belong to me : SYNCB/TJX CO Bank Credit Cards SYNCB/TJX CO Bank Credit Cards XXXX N A 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 2021-11-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone tried opening accounts with this creditors. This accounts do not belong to me : XXXX CO Bank XXXX XXXX XXXX CO Bank XXXX XXXX CITIBANK 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 explanation
Consumer complaint received 2021-11-10 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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I totaled my XXXX purchased with financing through BMW financial. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, BMW financial reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to BMW financial all for a greater amount than what BMW financial would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of $ XXXX with BMW financial which was never settled. Upon contacting, BMW I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and BMW financial to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within BMW was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid BMW financial on XX/XX/XXXX, XXXX.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX $ and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. BMW financial refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.

Company response to consumer: Closed with explanation