vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone stole my debit card information and charged several XXXX dollars, i notified Chase within a few days once i noticed and opened a dispute.

chase waited approximately 2 month and closed the dispute as denied and debited my account the disputed amount without notifying me prior or providing me any period to dispute the merchants claim.

Based upon information gathered from chase reps the merchant came back with my name and address and an IP address where the charges were made from, which the bank already knew they had my name and address as the authorizations on those charges showed them that. 

They used the response from the merchant to determine that i made the transactions even though i did not, simple providing my name and address is not proof of any authorization. 

Further the merchant provided an IP address ok great, the issue is upon reviewing the IP address service provider it was not and is not a provider that i use at home or work, additionally my ISP would never be visible to any end point as all traffic from my home is routed through a VPN as my employment requires that since i work from home sometimes. 

had chase done a meaningful investigation this would have been revealed instead they decided to breach our contract ( deposit agreement ) which clearly states that as a consumer i have no liability for transactions made fraudulently so long as i notify chase of the fraudulent transactions within a reasonable amount of time. 

they failed to notify me of a merchant response or to request any further documentation from me that could have easily shown that the merchant was in fact not providing any information submitted by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc.
State: MN

Complaint narrative:
In the year XXXX through XXXX, I received over XXXX calls from Hauge Associates. They all came from different numbers, so there was no way to tell who was calling. In one instance, the person on the other end of the phone started using abusive language until I finally got frustrated and hung up the phone. 

I started ignoring any calls that came from numbers I did not know, I was getting phone calls a few times a week from them. I believe this is a terrible tactic. I have not received any correspondence from them via mail to notify me of any debts. I have never been provided any sort of billing statement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
First of all, I received a certified letter sent from Paypal Credit Card with the month of XX/XX/XXXX 's monthly statement in it with my name as the customer, but I never ordered Paypal 's credit card ever and have never owned one. The following is data from the statement : Paypal ID XXXX / Credit Access Line {$1000.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$35.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase XXXX XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase on Amazon ID ( XXXX ) {$32.00} XX/XX/XXXX Purchase Online XXXX  Gift Card {$49.00} XX/XX/XXXX Purchase XXXX  XXXX {$56.00} XX/XX/XXXX Payment made on XXXX ID ( XXXX ) {$44.00} XX/XX/XXXX Deposit on XXXX ID ( XXXX ) {$23.00} XX/XX/XXXX Purchase XXXX  Gift Card ID ( XXXX ) {$89.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} Total Amount {$440.00} I have this statement and have let both the XXXX Sherriff 's Office and the Federal Trade Commission know that my identity has been stolen, and fraud committed, this I solemnly do swear this date XX/XX/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 2022-10-18 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: 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. 

Account name : XXXX Bank, NA, Account Number # XXXX : Account Name : XXXX Services, Account Number # XXXX : Account name : XXXX XXXX XXXX XXXX Account Number # XXXX Has violated my rights. 

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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I first contacted MyGreatLakes about requesting a refund on all payments made during the covid-19 forbearance on XX/XX/2022. I worked with the customer service representative to formally request a refund. I was told that refunds would be processed in no more than 30 days. After that timeframe passed, I contacted my loan servicer on XX/XX/XXXX to get a status update. I was informed that the new timeline was XXXX days from the date I called as a follow up when my refund should have been completely processed. It is now XXXX XXXX, 54 days from when I was originally told 30 days. I called today, and they still have no update for me. I'm very frustrated and federal loan servicers need to be held to a standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED IT REMOVE ASAP ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX L ]

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 2022-10-18 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: Self Financial Inc.
State: AZ

Complaint narrative:
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Someone opened an XXXX XXXXXXXX account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Its been 10 years and my XXXX  XXXX XXXX is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681. These are the collection accounts 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 explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Defaulted on loan, worked with mortgage company for mortgage assistance, repayment plan ... Made three timely payments back in XXXX, XXXX, and XXXX. Mortgage company stated did not received signed documents after the three payments were made. Have been working with lender to make payments since last payment was made. A couple weeks ago, I spoke with account manager/specialist, documents were submitted where approved for new plan, latter called mortgage company to make payment ( {$7400.00} ) and get back on a repayment plan. The company stated they did not file the paperwork it was an error on lenders side. Today I called again, approval was given for down payment, but customer service agent stated it was denied. I have made several attempts to make a payment to my mortgage company so I can keep the house. As of today still unsuccessful. I have a call from lender, ( specifically, account manager ) to discuss options again. Also have another call scheduled for XX/XX/26.

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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received four emails on XX/XX/XXXX about a Wells Fargo deposit account application and the next steps, being approved, and given an access code. I receive a lot of scam emails and believed this was just another one. On XX/XX/XXXX I received an email from Wells Fargo saying they were going to close the account due to suspicion of fraud. I then called customer service and thats when it was confirmed that an account had been open. I did not open this account and Ive never banked with Wells Fargo. The customer service woman and man I spoke with was very helpful and apologetic. I was not given any information on account activity, however they did reassure me that they were taking the necessary steps to close the account and make their 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 2022-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
On XX/XX/2022, I contacted Fay Servicing, and I was told by the Representative that they could not speak to me because they said I hired an attorney, and they need a letter from the attorney to allow them to speak with me. I did not hire an attorney. 

I am concerned because although I would like to stay in my home, I have put it up for sale and I had a buyer, and the mortgage company is not communicating with the realtor. 

I contacted Fay again on XX/XX/2022 and their representative told me that she could not speak to me because I hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00}

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 2022-10-18 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank charged me {$2.00} after a payment in full was paid. The said charge was not sent via email statements as it was not a " charge '' leading to issuance of a statement. I was further charged with a 30 day late, 60 day late and I assume a 90 day late on my credit. I have the statement and recorded call wherein Comenity cleared the outstanding balance and stated the charge was correct due to XXXX balance. My credit score dropped XXXX points IN THE MIDDLE of a vehicle purchase. My interest rate doubled from 5 % to 10 % directly related to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XXXX of XXXX I was a victim of Identity theft and I filed a police report. There was someone attempting to open bank accounts and obtain other accounts with my ID and other identifying information due to someone stealing my information. I contacted Experian to dispute a company by the name of XXXX. I contacted experian and I disputed the inquiries and the actual debt. Experian removed the inquiry but left the debt. Subsequently on XX/XX/XXXX I filed a new dispute and uploaded police report Experian maintains debt is valid and disregarded police report and failed to provide me proof of validity of debt. I have not received any correspondence from this company outside of my credit report and calling the number abs sending in an affidavit via email disputing these three account.

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 2022-10-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX Have violated my rights. 

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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation
State: FL

Complaint narrative:
XX/XX/2022 is the date of when they suspended the account indefinitely. {$4000.00} dollars were left in the account and they are saying they can not do nothing about it. I need that money back as soon as possible please

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation