vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an email stating my email address and phone number linked to my Chime account has been changed. I called and told them I didn't do it. They stated that they could not refund any transactions being moved from one account to another. I was scammed out of {$2000.00}. I still have not fully recovered from this. I don't think Chime should get away with this after I contacted them and told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: AL

Complaint narrative:
My name is XXXX XXXX, and I am requesting all unauthorized hard and soft inquiries, along with non-mailable addresses be removed from my credit profile. 

For each of the non-mailable address and inquirys I am requesting : The name and contact information of the company or entity that made the inquiry and or provided the non mailable address. 

Additionally, I am opting out of these inquiries and any authorization I may have previously given, verbally and/or in writing effective immediately. 

As, hard inquiries do affect my credit score. I request that you restore my credit score to reflect the removal of these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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 want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Dear XXXX, NISSAN-INFINITI XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against JPMCB Card regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and New Jersey State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - JPMCB Card has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the New Jersey Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, JPMCB Card has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, JPMCB Card has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, JPMCB Card continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC Re : Dispute of Alleged Debt Account Number : XXXX To Whom It May Concern : I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

XXXX. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ). 

XXXX. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX. Provide a copy of the original contract or agreement between myself and Portfolio Recovery Associates , LLC that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

XXXX. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ). 

XXXX. Confirm that this debt is within the statute of limitations for collection in my state. 

XXXX. Verify that you are licensed to collect debts in North Carolina, as required by North Carolina state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX XXXX informing me that my credit score went down XXXX points. I pulled up the credit report details, and the details indicated that an open installment account for an education loan through MOHELA/Dept of Ed with a balance of {$82000.00} was open in my account. I never opened this account or took out this loan. I contacted MOHELA and they could find no record of me in their system at all, not with my social security number, my name, or my phone number. According to MOHELA, I didn't have a loan. This account only showed up on my XXXX credit report. I checked my XXXX and XXXX credit reports on annualcreditreport.com, but the education loan was not showing up on those reports, only XXXX. I contacted XXXX on XX/XX/XXXX and filed a dispute. They opened an investigation, and I should receive information in the mail regarding the outcome of that investigation within 30 days. To be clear, I did not open an account or take out an education loan with MOHELA or any other agency. My Experian credit report indicated that the education loan was opened on XX/XX/XXXX and that the last payment was made on XX/XX/XXXX in the amount of {$2.00}, yet I have had no communication with MOHELA and the account has never showed up on my credit report until this month. The representative from XXXX that I spoke with recommended that I file a complaint on XXXX, which is what I am doing now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: UT

Complaint narrative:
I opened a dispute with XXXX for a transaction in the amount of {$670.00} with claim number XXXX. The claim was opened on XX/XX/XXXX. In XX/XX/XXXX I was sent a notice from chase that the found the transaction was processed properly and that the would remove the credit from my account. 

The item was delivered to my address however it was a signature required package and the driver left the package and fraudulently said I signed. I was not home at the time of delivery and neither was anyone else. 

I contacted the merchant and they refused to refund it stating they had proof of delivery. I explained what happened and that I had video footage showing it was left without anyone signing or interacting with the driver. 

After contacting XXXX to reopen the claim on XX/XX/XXXX I was told I couldnt open the claim again initially. The agent then said I could reopen it online after I pushed back. I tried and it wont let me reopen the claim nor provide addition evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XXXX I attempted to use my card the sale was declined even though there was available credit. Zero communication for Avant about why so I called Avant to find out why they said fraud hold. Well I asked them about XXXX time so far whhatbtransaction and why they thought it was fraudulent they REFUSE to answer and that makes me beleive somthing is illegal with this company. It is a simple question and should be easy to answer. Well the big issue is they do not have have customer service reps that you can call they have people who take messages and type emails to customer service reps that are available through email only. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
I had a federal loan serviced by Mohela. I refinanced through XXXX ( also serviced by Mohela ) in XX/XX/year>, and the payment made by XXXX to my federal loan was more than the loan amount by about {$9000.00} due to the timing and my payments made in the interim. 

I had a negative loan balance on my federal loan mohela account ( meaning they owed me money ), and sent several secure messages, and was assured the money would be refunded to me but it would take time. 

I called the federal loan serviced mohela today, and they stated that the refinance overpayment was returned to the private loan company in its original payment form in the amount of {$9500.00}, on XX/XX/year>. They were unable to provide me a check number or transaction number. 

I then called sofi mohela, and inquired about why it was never applied to my loan balance. They reported that they have no information about this but would look into it. 

I do not have documentation of it, but I checked my federal loan mohela balance several times after the refinance, and it showed a negative balance ( about - {$9000.00} ) up to the time when federal loan mohela changed to a new student loan servicing platform in the last month or so. 

I'm not sure who is at fault : either " federal loan '' mohela did not refund the money appropriately, or " XXXX '' mohela did not apply it to my loan balance when recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. SYNCB/ROOMS TO GO Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX/XXXXXXXX XXXXXXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another Account. 

XX/XX/year> XXXX XXXX XXXX Dispute filed money was deducted from another 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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation