vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used Chase XXXX XXXX and issued a check to XXXX XXXX XXXX on XX/XX/2024. Chase sent the check to another merchant in another town that cashed the check. The check has the correct information and mailing address on the front. XXXX XXXX did not receive the check. The attached proof of payment clearly shows the check was sent to another merchant that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I dont know where to begin they wont soeak to me since im not the administrator of the estate im a heir who lives in the home and havent been properly address other then my sister who changed all letters sent to the home and stands to inherit and I get nothing and I want to save my home!!! I cant get no help I dont know what to do I had a attorney and they havent helped me at all!!! I lost everything to a fire on the property and the insurance check was also distributed to the adminstrator and those were my things!!! I dont wan na be homeless can someone help

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong to me.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

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 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been receiving calls from a private number from the same female saying she was with PORTFOLIO RECOVERY telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for PORTFOLIO RECOVERY. 

If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. 

I believe it is a PORTFOLIO RECOVERY employee trying to affect a payment illegally and in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : Nelnet Account Number : Please verify the completeness and accuracy of this account : Account Name : Nelnet Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely.

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Processors has improperly and perhaps fraudulently removed money from my company 's checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We make use of a website, XXXX to sell product and provide customers a way to pay for their purchases with credit card. Chase performs the processing of the credit card transactions, for which they charge a base price of XXXX cents per transaction, or attempted transaction ( in the case where a submitted card for purchase has been denied ). On XX/XX/2024 my website was, unbeknownst to me, inundated in the background by a flood of attempted credit card purchases, the vast majority of which were denied, which persisted until XX/XX/2024. A rogue operation were testing a list of stolen credit card numbers on my website without my knowledge to see which were approved and still usable, a well known type of scam that Chase should have been aware of. On XX/XX/2024 Chase Processing deducted {$15000.00} from my account for their services for the month of XXXX. I was shocked. Historically, they have never deducted more than around {$300.00} for any month for their services. I became aware of the {$15000.00} deduction on XX/XX/XXXX when I logged into my checking account to pay bills. I called them immediately for an explanation. They said they were charging XXXX cents per transaction for over XXXX transactions that month. Chase is a huge, sophisticated operation. It is impossible that their tools and systems did not immediately detect a huge spike, amounting to a MULTIPLE OF AT LEAST A THOUSAND TIMES, over what my website customarily, and historically does. Plain common sense should have recognized that there was a bad actor at work. They breached their fiduciary obligation to me in two ways. They have among their tools the means to immediately put an end to the type of fraud that was occurring, but chose to do nothing, allowing charge after charge and fee after fee to continue for almost a full month. Neither did they alert me as to what was going on. I do not think that this, at minimum gross negligence, verging on complicity was without design. It reaped for them a {$15000.00} plus ill-gained windfall at the expense of a customer to whom they have fiduciary responsibility. If as I suspect this conduct of theirs extends across their whole system, there have probably been millions of dollars pillaged by them from small businesses in the most deceitful way. I request that you hold them to account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX These 3 ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST 3 ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX  {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX  {$13.00} DATE OPENED XXXX, XXXX, XXXXXXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX  XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY 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 non-monetary relief
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. 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 accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX  XXXX  - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: FL

Complaint narrative:
I want to file a formal complaint against Financial Pacific Leasing dba Umpqua Bank XXXX XXXX for UNFAIR AND DECEPTIVE PRACTICES in Violation of Section XXXX of the Federal Trade Commission Act. 

On XX/XX/2023, I was at a trade show at the XXXX XXXX XXXX in XXXX, Florida. I agreed to purchase a XXXX XXXX XXXX XXXX  XXXX from a company called XXXX XXXX XXXX which is headquartered in XXXX, Ohio. The purchase price agreed was {$22000.00}. The salesperson offered financing and had me complete their company credit application. The application was completed under my company XXXX XXXX XXXX  and me XXXX XXXX as the personal guarantor for the loan. 

XXXX XXXX then forwarded my credit application to Financial Pacific Leasing dba Umpqua Bank XXXX XXXX who approved it. The Equipment Finance Agreement on the bottom of the first page indicates this is a Finance Agreement! I called them and asked for the finance fees and disclosures and they said it wasnt a finance, it was an Agreement. I asked them if this had to be disclosed by law because they are saying one thing but the finance agreement indicates otherwise! I asked what the fees are again and they said read the agreement and would not elaborate further.

The Agreement indicates XXXX  monthly payments of {$440.00} and an admin fee of {$230.00} and no totals of any nature. The total of the monthly payments is {$26000.00} which indicates a {$4700.00} in fees for this loan. The agreement did not disclose any finance fees and when asked they will not disclose that to me. In signing onto their website, it does not indicate any fees or details of the Loan/Agreement. I requested a payment history and was emailed it which indicates I have made RENTAL Payments! 

Additionally, they are charging me {$120.00} a month ( {$7700.00} = XXXX  months ) for insurance because they did not except my company insurance. I was never given insurance cost prior to the loan and they did not deny my current business insurance prior to my loan which would indicate I would have to do their insurance. 

All together in undisclosed finance fees/charges and forcing me to go with their insurance, I am told to pay {$12000.00} over what I agreed upon.

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 2024-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX, EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
I received a notification from XXXX on XX/XX/year> that a collection was added to my credit and I logged into my account to review it. I contacted the creditor on XX/XX/year> to inquire when they attempted to contact me via email, mail or phone and the debt collector by the name of XXXX told me that a letter was sent sometime in XXXX to my current address however, I never received it. I asked if he could please send me a copy of the letter which should have the date of XX/XX/year> on it and he said well its not going to have that date but I can send you a new one. I told him you should be able to just send me a copy of the letter and he said it wouldnt have that date. I told him that I was submitting a complaint with the cfpb as they failed to provide a written notice of the debt, which did not give me the opportunity to request a validation of debt letter. I called again to gather more information about when the letter was sent and he advised that he had flagged my account as a dispute and that automatically by doing the negative reporting would be removed from my credit which I find very suspicious if they did their due diligence why would they do that? He then asked if I wanted a copy of the letter they sent to me and I said yes and I viewed the letter and it does have a date on it of XX/XX/year> which I find it very suspicious that now it does have that date as he had previously told me it didnt. I think that this letter has been altered to reflect this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I received a mortgage through modification in XXXX. The mortgage originally was in my wife name. She passed in XX/XX/XXXX. I reached an agreement with XXXX XXXX  company and received the documents of ownership. The mortgage name was changed to my name. The mortgage was sold to XXXX XXXX  XXXX and Rushmore Loan Services company by XXXX. In XXXX the company changed to Rushmore Services. The owner name on the mortgage continued to list my name. XX/XX/XXXX the name was changed to my deceased wife name. I called to have it changed back and was told that an employee had erased the information and I needed to provide documents to change it back. I provided documents to through email XX/XX/XXXX. After no response or change I called in XXXX XX/XX/XXXX and was told to provide documents again. I provided documents XX/XX/XXXX. The name change listed estate of my deceased wife and me as C/O. I called and resubmitted the documents XX/XX/XXXX. I received a call this time telling me they did not feel the documents were adequate and to change the name I would have to pay off the mortgage. This is the point where I explained it was obvious I needed assistance with this problem that was created by someone in their company. I was told again paying off the mortgage would resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see supporting documents for my dispute.

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXXXXXX XXXX XXXX has violated my rights15 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 an account without my written instruction

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