vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Through the process of trying to locate an apartment, it has come to my attention that the individual I was interacting with was fraudulently impersonating a tenant of said apartment. Through his impersonation, he informed me that I must send a total of {$2200.00} through XXXX to the building 's property management upon the approval of my rental application. In attachment to the lease agreement he had sent me, he informed me that I must send {$1100.00} as the security deposit ( on XX/XX/21 ) to secure the apartment in my name. He then required an additional {$1100.00} for first month 's rent ( on XX/XX/21 ) as this was what our lease agreement stated. On Saturday evening, XX/XX/21 : upon arriving in the building 's neighborhood for an appointment confirmation, and receiving no responses from this individual, I began to suspect that this was a fraudulent interaction. I called my bank, JP Morgan Chase Bank, and filed a claim with a specialist immediately upon returning home that evening. These transactions ( {$1100.00} sent on XX/XX/21 and {$1100.00} sent on XX/XX/21 ) have now been confirmed by the building 's leasing office to be fraudulent, after speaking with the leasing office directly on XX/XX/21. I now have officially discovered that these transactions were sent to individuals unrelated to the building 's leasing office and property managers. I have been instructed to file a police report for identity theft, phone scams, and theft related to a personal bank account. I have also officially filed a report with the Federal Trade Commission. I have reached out to the claims department at Chase to provide them with my FTC report, as I was originally instructed ( on XX/XX/21 ) that any government report would further help my claim, but on XX/XX/21, Chase has informed me that there would be no recovery of these funds ( regardless of providing any/all government reports of theft and fraud ). I have spoken to both a specialist as well as a supervisor, and both have been extremely unhelpful in assisting my claim further. The information they provided to me also does not align with the information that was provided to me on XX/XX/21, in the claims department, regarding government reports and their relevance to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is in reference to a complaint already filed on XX/XX/2021 against bank of america, complaint # XXXX and complaint # XXXX I am submitting new documents.A correspondence via mail from the other party 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 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TX

Complaint narrative:
see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this

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 2021-04-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: NY

Complaint narrative:
XX/XX/21 called my mother and a friend and told them that I was in legal trouble because of a debt and that there was a civil case against me and legal action would be taken against me if I didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
Fed Loan Servicing limits customers to 8 online payments each month. This is something other servicers do not impose on their customers. For those who are fundraising to repay student loans, this limitation places borrowers, whose loans are serviced by Fed Loan, at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Synchrony bank/ XXXX XXXX XXXX acct.has reported me being 30 days late. Have never been 30 days late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC

Complaint narrative:
They won't let me In my account but someone has been able to make fraudulent charges and pick them up with their I'd and meanwhile 6 days later they continue to send excessive and unsecure request of my I'd and failing to unlock my account in a timely way letting fraudsters get away with several transactions. I have called daily 4 5 times and submitted their codes at least thought 12 layers of authorization. Plus pics of docs and still they want more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
Had a account with chime bank online services, had open for a few months, had metal card for credit builder sent out because I used the account as my main account, and had no issues, till all of a sudden chime bank closed my account and reversed fund and payments that made me lose assets that would today value at XXXX, along with that, chimes choice to close my account without reason caused me issues with recieving much needed payments from irs ( tax return, and stimulus ) and state unemployment, and actually caused a fee of XXXX $ from colorado department of revenue due to the payment having bounced due to closed account. This whole ordeal has caused me to get behind on payments cost me around XXXX $ in fees, late payments, and just from being put on hold from funds that should have been available to me. Seeking lawsuit, and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
According to XXXX XXXX, there is an open collection account from First Credit Services on my credit report. I XXXX the number and called First Credit Services to find out more information about this {$92.00} debt. I spoke to XXXX XXXX on XX/XX/21 at XXXX and provided her with my date of birth, social security number, and address but I was told there is nothing in the system for me. I listened on the phone while XXXX XXXX called her boss over to look at the computer and figure out where my account was. They asked who the original contractor was and I provided them with the information shown on XXXX XXXX. They said " We don't see anything for you. We can't find it. We no longer have this account. We have exhausted all efforts to collect on this and we no longer have the account. '' If this is the case, why is this collection agency on my credit report in the first place? 

Please remove it immediately from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
From XXXX I paid off the balance of the credit card, I then called them and told them i no longer want the card and I need it closed. After obtaining my credit report I see that they have put it in collections with the amount I owe over {$1000.00}. This isnt right I called and told them to close it. There should be no account in collections for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: KY

Complaint narrative:
I disputed the inaccurate negative information from XXXX XXXX XXXX. I made a purchase with XXXX XXXX  XXXX XX/XX/XXXX and did not receive it. I was told by XXXX XXXX  XXXX the merchandise I ordered was no long in stock to re ship to and that I would recieve full credit for the merchandise. On XX/XX/XXXX I was sent an email stating my account was credited and it may take up to 10 days before I see the credit. In XXXX I start receiving collection calls from XXXX XXXX and I informed them that XXXX XXXX XXXXXXXX credited my account and I should not have a balance they transferred me to XXXX customer service and I was told on 4 different occasions that it was taken care of. After seeing my credit report along with getting a statement in XXXX I realized that this is becoming a problem. I recently called and was on hold for 4 hours and was promised that this was taken care of and I am still getting collection calls from XXXX XXXX. On top of that Experian gave me the results of their investigation and stated that the debt was accurate. Im sick of having to put in these long hours trying to resolve this matter and I keep showing them the email that was sent to me back on XX/XX/XXXX STATING MY ACCOUNT WAS CREDITED. Attached is a screenshot of a call that I was on hold for 4 hours and told it was going to take care of and a screenshot of the email that was sent to me from XXXX XXXX XXXX Customer Service.

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2019 Citi Bank Home Depot XXXX XXXX illegally charged my account 25.99 % interest over a period of about 15 months until I found out on XX/XX/2019. I sent out my 93! demand letter asking for the total amount being charged. and Why? I believer All my purchase on the card was under the promotion of 0 % over the period of 12 months or 6 months. When I purchased. I immediately set up with XXXX  XXXX XXXX on line pay. I set it up 10 equal payment on a 12-month promotion and 5 months equal pay on a 6 months promotion and forgot about. I never received any reminder orwarning regarding the extremely high interest, which according to consumer protection law is illegal! 
I asked the customer service what is my balance that. He gave me {$27000.00}. I immediately ACH the full amount via XXXX XXXX business checking account, XXXX proof attached ). I have never received any response to my XXXX demand letter. According to the law. City Bank Home Depot XXXX owe me triple damage. I have the letter to the City Card I would have to take legal action as soon as the Court opens. But when I learn the CFPB, It want to get this free help first. 
City Bank illegally ACH my account a few times without my knowledge and consent until I find output a stop on it. It looks like all the banks using the same ACH agency steal money from consumers just because it has access via online payments, but its not the permission to let you ACH. My online pay with XXXX  XXXX XXXX is only for reminder of myself to check to pay the bill. I do not give anyone permission to ACH my account. I find out the hard way, Steal from my account, even for some already closed accounts with zero balance being ACH my old {$20.00} to {$25.00} pay-setting I always use but I ve never pay the minimum amount. That was just a reminder so I do not miss my payment. But I must personally examine the accuracy before I pay in Full. I want all illegal interest charged on my account be fully refunded> Please help me.

Company response to consumer: Closed with explanation