vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 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: CA

Complaint narrative:
On XX/XX/2023, my debit card as well as several other items were stolen from my vehicle. Two unauthorized transactions were made on the same day, one for {$32.00} at XXXX in XXXX XXXX, CA and a second charge for {$15.00} at XXXX. Chase bank was called on the same day to dispute these charges and report that my card was stolen from my vehicle. In addition, I have filed a police report with XXXX XXXX Police Department report ( # XXXX ). Chase bank had issued me a new debit card and temporarily recredited my account for these transactions while this claim was being investigated. Today, XX/XX/XXXX, I noticed that chase bank reversed this claim and took the funds out of my account for those transactions that I DID NOT MAKE. I called the chase and asked why this had happened when I am not the one who made these transactions and they stated that my statements were inconsistent with the claim I had made and that there were no pin attempts made. I let them know it is possible that they can still run the debit card without using a pin number and they are aware that the suspects attempted to take out money from my account at a chase branch but were unsuccessful. When I asked Chase bank for documentation that they relied on and the proof they found showing that my statement was inconsistent they were unable to provide me with anything. I am being charged for a transaction that I did not make and this violates the Electronic Funds Transfer Act and is violating consumer protection laws and rights. I have been a loyal customer to chase for several years and this is extremely upsetting. What is the point of reporting a card stolen and disputing charges if they are going to falsely accuse you of making these transactions?! XXXX with Chase advised me there was nothing that can be done and that this decision was final. Why should I have to pay for these transactions that I did not make!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my credit report and on XXXX/XXXXXXXX and observed 17 inquiries each from a different lender. These lenders pulled my credit without my permission. I did not give verbal or written permission to review my credit report. I did not give XXXX XXXX XXXX permission to shop my credit. The salesman that day told me XXXX will be the only company pulling your credit profile. XXXX can not and did not provide me with any documents or electronic signatures from me authorizing these companies to pull my credit. I am requesting all of the attached inquiries. This has dropped my credit scores and I am requesting the deletion of all inquiries pulled on XXXX/XXXXXXXX

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 2023-02-27 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: MI

Complaint narrative:
On XXXX/XXXXXXXX my debit card was stolen after a visit to XXXX XXXX XXXX for a birthday party. The next day, I left town for a birthday trip for my daughter. Upon coming home, I couldnt find my card and logged in to see it was being used all around the area. I promptly locked it and called Chase to report the card stolen and the unauthorized charges. We went charge by charge and I did not dispute the charges that were automatic like my apple account charges. Those are legitimately mine. After some time, my account was debited for the unauthorized charges and my claim denied. I called promptly and was told they couldnt reopen it and they had information that apparently led them to decide these were my charges. After some hassle, an account executive took the call and discovered the charges that we didnt not dispute were incorrectly marked as card present. She resubmitted but it was denied again. I find this ludicrous and I have proof that I wasnt in the area at the time nor was my card ever back in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a personalized letter from Chase to apply for a Chase Southwest Airlines card. 

The letter contained a personalized invitation code. And mentioned that I am pre-approved. 

Being an existing customer, I logged into Chase and confirmed that I was still pre-approved to apply. 

I applied and was rejected. 

The Chase representative over a phone call told me that I am not eligible for this card as I had more than 5 cards open in the past 24 months. 

If that's the case, why did Chase send me a personalized letter to apply for it? 

Now the unnecessary check is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been disputing this collection account on my reports with Midland credit for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX  XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
On XX/XX/XXXX I opened up a credit protection claim for my account with aspire credit card. 

I received confirmation on XX/XX/XXXX that my documents were considered under review. 
On this date Also I learned of missing claim document that needed to be turned in, that I never received. 

XX/XX/XXXX I contacted aspire as to why the claim was still just pending and let them know I never received the extra document. 

And in between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I consistently reached out to aspire on this document that was missing and tried to receive via email but only received the same email back every single time. 

" Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. In order to better assist you with your request, please contact our credit protection team at XXXX. Their hours of operation are XXXXXXXX XXXX XXXX  XXXXXXXX XXXX EST from Monday to Sunday. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. '' On or around XX/XX/XXXX I called and was able to speak with someone on the phone with aspire that told me they couldn't process my credit protection claim because " i was so far behind on my payments ''. 

But on XX/XX/XXXX I actually received notification that my credit protection claim was now denied because of the document they didn't receive nor did I receive from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have an accounts with a bank that has a late payment showing that was never late. I've been set up on automatic payment and no way could've missed any payment. The company has not removed the one late payment, I like the card and have been a great client for them but It is keeping me from getting a home loan. Pease help me to get this removed as it is not there due to my mistake.

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 2023-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I was current on my mortgage when I was impacted by COVID. I raise my hand to get on a CARES ACT Forbearance. At the end of 2022, I raised my hand to advised the hardship was over and could not reinstate but I could afford the current payment going forward. It is now almost XX/XX/XXXX with no word on my status. I have had to call in for updates because I am so worried. I am trying to do the right thing. I even escalated to a manager, they advised they have 72 hours to call back but I wait 5 days and called again because no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: TN

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have sent written notification to Midland Credit Management requesting documentation of any contractual relationship between myself, & Midland Credit Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Midland Credit Management, {$760.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
Mortgage Concern : I received a mortgage in XXXX of XXXX from XXXX XXXX  to purchase a condoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. After purchase, I was immediately transferred to XXXX XXXX XXXX XXXX, a debt collector. I paid my mortgage every month. After about a year and without written notification, I was transferred to XXXX XXXX. I can not recall how I found out, but eventually had to set up an account with XXXX XXXX. Again, after a year, I started receiving calls from XXXX XXXX XXXX. I thought it was a mistake, but eventually tried to call them back. I would spend XXXX min. Or more on hold, and once I would inquire about the phone call, I was informed I would have to be transferred to another representative due to loan status. I did not understand this and kept paying my mortgage to XXXX XXXX. In a short while, XXXX XXXX returned my mortgage, and when I called, I was informed I had been transferred back to Rushmore. After an intensely frustrating time on hold and speaking with representatives, I was informed that both XXXX XXXX and XXXX sent goodbye and welcome packets to me at my condo address. I received neither of these. I set up another account with XXXX and began paying my mortgage again. At this time I was informed my property tax had been reassessed by XXXX XXXX and my tax portion of my mortgage had increased by almost {$50.00} per month. Again, no notice of reassessment and no idea how they came to this amount. Then I received a statement from XXXX Loans ( which I think is XXXX ) XXXX XX/XX/XXXX, and now my fixed mortgage has not only increased through taxes, there are fees and charges of {$33.00}. 

However, on XX/XX/XXXX, I received notice that my mortgage was transferred to SN Servicing Corporation, who informed me that they were my new mortgage company and they needed proof of insurance. Who is paying my insurance and isnt that something that the mortgage transfer should handle. 

Suffice to say, I believe this to be an effort to take advantage of consumers, specifically, consumers with fewer means to defend themselves. 

Please help the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management Services was assigned my loan from XXXX XXXX for my property during COVID and tried to foreclosure on my property and would not work out or approve a loan modification. I filed for Bankruptcy to stop everything and tried to do a modification through the bankruptcy court. They would not approve me. I then applied outside of bankruptcy court again and they still won't approve me. I make plenty of money, however the housing prices went sky high after COVDI in Florida and I believe they want to kick me out and sell my house for a very high price! I am a single elderly woman and I am being discriminated on. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that there is 1 inaccurate account on my credit report ACCOUNT NAME : XXXX XXXX XXXX # XXXX Date account opened - XXXX XXXX XXXX Month that was reported late. XX/XX/XXXX XXXX There was never a late payment, I have always paid on time Consumer Reporting Agencies- ( in this case Experian ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account ( ACCOUNT NAME : XXXX XXXX XXXX # XXXX ) from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have been disputing this collection account on my reports with Convergent Outsourcing for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

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 2023-02-27 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: CT

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. XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, US BKPT CT NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: UMPQUA HOLDINGS CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I signed a contract agreement with Pacific Financial Leasing for a Used XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a used XXXX XXXX & XXXX XXXX XXXX XXXX. 

I have contacted Financial Pacific Leasing several times and have received no help from them. 

Plain and simple, what they did is fraud.

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 2023-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The truth and lender act state that the lender requires to say the term of the agreements and I was never told that I would have to put a down payment on a car if they ran my credit score account to section 15c that in a consumer transactions that a cash payment is not required.

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 2023-02-27 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 and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 yection 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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 to any 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