vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was contacted by a scammer through the XXXX account of my friend, XXXX XXXX, which the scammer had gained access too. The scammer even posted a picture of XXXX  personal vehicle that I have seen before in person and familiar with, the day before they contacted me through his personal XXXX account. This made is very believable that the account was still operated by XXXX the intended owner of the account, but now it had been hacked already, but I was not aware. Basically the scammer messages me pretending to be him and then tells me about an investment that hes part of and asks me if Im interested. I worked with XXXX for multiple years at the same job before and he had always been a trustworthy friend so I took his word for us and messaged the account that he referred me to. Although it wasnt him having a conversation with me, it was a scammer that took control of his account coercing me and referring me to a different investment account with thousands of followers. This made it even more believable and the fact that the XXXX was page was filled with personally recorded videos of testimonies of people who apparently have invested money with the account before under the name of XXXX. Long story short the account convinced me to send a total of {$1300.00}, but I finally realized something was really wrong when they asked me to change the email registered to my own personal XXXX account, and on top of that they asked for another additional payment. And that is when I knew I was definitely scammed and I immediately called my bank, Chase, while the XXXX payment was still pending. This all happened on XX/XX/XXXX. I filed a claim with chase and they told me I would get a called back in 3business days and my {$1300.00} would be temporarily refunded to my account. But it turns out a little over a week later, I call the chase hotline number again and I had to find out on my own that my claim was denied. Chase never reached out to me regarding whether my claim was approved or denied, nor was my {$1300.00} refunded to my account. They told me on the phone today that my claim was denied and I would have to contact XXXX directly. I tried to file a claim through XXXX and they told me to handle the situation with chase. I am here filing a claim with consumer finance now because Im not sure how to resolve this situation. I was scammed and it is causing me a lot of financial stress. I fell victim to this scam because the scammer gained access to my frienda personal XXXX account, and that person is someone I worked with and trust a lot. It sucks the banking service that I use, Chase, and XXXX dont want to help me to get my money back when I even contacted them while the payment was still pending and told them to cancel the XXXX transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MANAGEMENT LP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
A fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation. I have enclosed proof that the company has fraudulently opened and sustained the account under a false dealership name.

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 2022-08-05 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: LEXISNEXIS
State: IL

Complaint narrative:
Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through Lexis Nexis also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE SENT IN MY POLICE REPORT AND FTC REPORT ABOUT THESE FRAUDULENT INQUIRIES. HERE THEY ARE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. 
Contacted the person that I sent the money too and she " said I do not have your money ''. 
Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. 
Her email is not valid anymore and the web site is shut down. 

Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. 

Best regards, 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 2022-08-05 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act Account # XXXX ( XXXX 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 an account without my written instructions.

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received XXXX XXXX XXXX XXXX adverse letter dated for XX/XX/2022. It states I was denied due to the inaccurate information received from the consumer reporting agency/agencies : TransUnion. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with XXXX XXXX XXXX XXXX, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to XXXX XXXX  XXXX XXXX with my Credit Card XXXX card number ending in XXXX, in return for me obtaining a XXXX Tradeline or better defined as money under 15 USC 1602 ( l ) to purchase products and services from XXXX. Unfortunately, XXXX XXXX XXXX XXXX has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ). 

In result of this adverse action, XXXX XXXX XXXX XXXX has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX XXXX XXXX in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from XXXX XXXX XXXX XXXX unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, XXXX XXXX XXXX XXXX shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under XXXX XXXX XXXX ( f ).

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 2022-08-05 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: TX

Complaint narrative:
I never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello On XX/XX/XXXX I sent out a letter to XXXX, XXXX, Transunion I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

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 2022-08-05 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: CT

Complaint narrative:
Hello On XX/XX/XXXX I sent out a letter to XXXX, Equifax, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The Notary signatures were not being accepted, after several times submitting them, it appears as though they ( Mr. Cooper ) were prolonging the process so it would benefit them. We were following every process they asked us to follow yet everytime it would be a different story why they couldn't or wouldn't accept the signatures. It was like they were XXXX XXXX, example can't understand the handwriting, the XXXX look like the XXXX, your signatures can't go beneath the lines, the seal is in the wrong spot or it's to high up. We even tried there notary which didn't work because the notary signature ( documents ) never reached their office, ( makes you wonder what heck is going on ). Then they stated asking for documents all of sudden after a year had pasted, which in the beginning of the process I didn't have to submit any documents. I'm just confused and frustrated of the whole process and how it has been handled, this process I feel should not have taken XXXX years to complete. I know interest rates change but once a rate is given or in process it should be locked in at that rate until the completion of the process. Also I was told that the with holding ( forbearance ) money would be attached to the back end of the mortgage. That's why I perceive that this prolonged process will only benefit Mr. Cooper and not me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MI

Complaint narrative:
I disputed an error recently found on my Experian credit report. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The inquiry listed below is not related to one of the allowable purposes from The Fair Credit Reporting Act. The inquiry that Experian is reporting on my credit report is as follows : XXXX. XXXX XXXX XXXX I requested for this inquiry to be deleted from my credit report immediately. If this company says that they have pulled my credit report with permission, I exercised my legal right and requested for verification by Experian to include : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they said that I gave permission. 
3 ) Method they said that I gave permission. Please include documentation of said permission. 

Experian did not follow the law as required by the FCRA. As of the date of this complaint, Experian did not verify any of the above items. They sent an email response that required me to log in to a website. The response from Experian on that site to my request to delete this inquiry was that it was updated and the update was credit granted which is incorrect. This is not an appropriate response per the FCRA and is a blatant violation of this law. How are they allowed to do this? 

I need assistance to get this inquiry deleted from my Experian credit report immediately. Thank you!

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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 XXXXXX/XX/2022 ; TEXAS XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax credit report XXXX credit report XXXX Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX VyStar Credit Union charged me an extra {$87.00} dollars for collateral insurance on the vehicle. Which made my car payment higher. They simply added on the insurance without informing me until months later. I called XXXX in XXXX and emailed them my proof of insurance from previous months and the month of XXXX. They said they will refund me my money problem solved. I went to make my XXXX payment and the bank teller asked me where is the rest of my payment. I make my payments every month on time so I was confused. She informs me that all my payments have been late and going towards the previous months due to the insurance fee added back in XXXX. I was not informed of them adding collateral insurance to my bill. And now XXXX is saying XXXX cant make my XXXX payment until I pay them the insurance fee. I have insurance on the vehicle and I have proof of insurance from XXXX to XX/XX/XXXX. They are just charging me u fair and unreasonable fees. XXXX is even saying they didnt get my full payment for the month of XXXX. Thats false when I paid them in full and extra.

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 2022-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Someone used my maiden name to open up a fraudulent credit card. XXXX XXXX XXXX is trying to collect a debt of XXXX from a fraudulent PayPal account. XX/XX/20XXXX XXXX

Company response to consumer: Closed with non-monetary relief