vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were contacted by a telemarketer via phone stating that they were calling from XXXX XXXX XXXX  which we are members of, with promotions to book our stay at XXXX XXXX. We were looking for a trip for our daughter who is turning XXXX. We went ahead and booked from XXXX with a total cost of {$3600.00} + {$50.00} bank fees, flights included. We have emails back and forth with promotion, total cost and requesting payment. When attempting to make the payment with our traveling credit card, payment was declined but because chase  does that to us more often than not when its international we didnt think much of it. They asked us to wire the money to reserve our flight and stay. Yesterday XX/XX/XXXX at around XXXX we stopped at chase to complete the wire. Today XX/XX/XXXX in the morning, I saw an email from XXXXXXXX XXXX XXXX alerting us of suspicious and/or fraudulent activity. I decided to call and confirm that we had indeed made reservations. Unfortunately I came to find out that it was in fact a fraud. We immediately reached out to chase to let them know about the fraud. Receipt showed that funds wouldnt be wired until today XX/XX/XXXX and available until XX/XX/XXXX. Per chase, all they can do is send the bank in XXXX a letter notifying them of the fraud but advised us that money was basically lost. We also contact the bank in XXXX and made them aware of this issue. Information below is where fund were wired INFORMACION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached screenshots of email with information in regards to our supposed reservation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Talked with XXXX from XXXX XXXX. She set up conf call with XXXX at United XXXX. XXXX was to get back with me on XXXX XXXX XXXX. Did not call back. Escrow problem is not solved. Escrow is short over XXXX dollars.. Initial contact date was the XXXX XXXX  XXXX.. United wants to raise payment over XXXX per month, Waiting for reply

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
On or around XXXX someone stole my credit card and started making fraudulent transactions. I became aware of this in XXXX, and I notified TARGET/TD BANK N.A of this matter. They initially credited my account but soon after reversed the correction stating that I made payments to the card. They also said that they verified me through public records with my phone calling in to make those payments. I did not authorize or allow anyone to use my credit card. They also closed my card without reason stating that I did not make payments on these fraudulent transactions. the total of this fraudulent amount is {$7500.00} these transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. I filed a dispute with them on XX/XX/XXXX and then I followed up with an appeal on XX/XX/XXXX. They have since then closed my account and continue to charge interest on a balance that I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a CD with Ally bank since 2020, closed the CD out for over 2 weeks now. The first message was that Ill get my check in the mail between 7-10 business days. 10 business days passed I didnt receive the check. I called them and was told the check got returned because of my address. Verified my home address with them on the phone that it was correct with what they have in the system. I was told that day that they have expedited the process for me to receive the check between 2-3 business days. 3 business days passed and I still havent gotten the check. I called back again, and was told the check hasnt been mailed. That it will be mailed out soon but they can not even give me any tracking number or courier that theyre using. Its my hard earned money Im trying to get back from them and theyre giving me a run around of my money. Im not even going to talk about the hours I have spent on the phone with them or them hanging up the call on me. To receive a check within the states should be maximum 5 business days. I told them today that Ill be filling a complaint with CFPB.

Thanks.

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 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
As of XX/XX/2023, I was affected by an outage that Venmo had when everyone else was able to login three days later I am still affected as I call every day and spent countless hours in emails doing the same repeated thing, and they give me the same answer that its being escalated. Well, I have found out that its not being escalated as they are just told to say that and they have no solution. currently I am homeless as all my funds were in there, and I can not access anything they do not care and have not done anything. I need immediate attention I have been more than patient. Please do something immediately I know Im not the only one affected. They will not even reimburse me and then debit my account so I could get a motel room to live in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: NJ

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 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 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 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 of 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 non-monetary relief
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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 2023-09-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account 's XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX, have 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 also states that a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My card was lost, I noticed so many unauthorized charges on my credit card account. 
I sent them a letter and it was noted that they received the letter regarding the fraud claim stating that the charges was unauthorize, and until now, they are not fixing the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX The company is not claiming to receive my payments on XX/XX/XXXX amount {$410.00} XX/XX/XXXX amount : {$410.00} XXXX XXXX ( don't remember exactly what date XXXX Since they kept saying that they hadn't received any payments since XXXX, I pad through their web site.They have also dinged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to request the immediate removal of late payment entries from my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ).

According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. 
I believe these late payment entries are the result of a clerical error or misunderstanding. 
Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to remove these erroneous late payment listings from my credit report. 
As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made Thank you for your immediate attention to this matter.

Please find account below : DEPT OF EDUCATIONXXXX Account # 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 2023-09-12 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: Experian Information Solutions Inc.
State: FL

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

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 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

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 2023-09-12 00:00:00
Product: Credit reporting 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:
Section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the person/corporation generating the report is NOT included in the consumer reports. However, Experian is currently including this information. This inclusion of excluded data, as outlined in 15 USC 1681 ( d ) ( 2 ) ( A ) ( i ), represents a clear violation of Metro2 compliance standards. I am requesting the Metro2 compliance disclosure regarding the reporting of transactions to a consumer reporting agency. Specifically, I need the transactions reporting as late, collection/charge-offs, and ANY other derogatory information from my consumer reports, deleted from my consumer report effective immediately.

Do not respond with this account has been validated, I want to be clear, I am not asking you to validate or verify anything. Please refrain from responding with these tactics that will waste my valuable time. It is important to note that these accounts have been designated as being in collection/charge-off WITHOUT providing me with a copy of IRS Form 1099-C, which is required for Cancellation of Debt. This action by Experian and the creditors who are reporting collections/charge-offs, late payments, and other derogatory information in my consumer reports is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

If the derogatory account information is not removed from my consumer reports within 15 days, I will have no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all persons/corporations involved.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company has responded however the correct action has not been taken pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please see the attached documentation sent by XXXX XXXX showing a XXXX balance as of XX/XX/2023

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My identity was stolen and someone opened a charge card in my name with Chase. I spoke to them several times letting them know it was fraud. They told me initially they were resolving the issue and closing the account. I kept receiving emails regarding amount due for those charges. I closed my checking account with my bank and they reimbursed the amount charged by Chase. Chase has not performed what they said they would and ignore my fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
17 years ago I initiated a conventional mortgage with Libor interest rate. The Collector PHH Mortgage Services XXXX XXXX XXXX XXXX, Pa. XXXX XXXX Phone XXXX XXXX XXXX. Date of loan origination was XX/XX/2008 and the initial payment was XXXX. Now my payment is based on 8.2 % when the Libor is 5.44 %. My contention is that I have paid my loan for the 17 years without a late payment and they using the american rate of interest instead of the Libor. I am requesting they return my loan to the Libor rate instead of SOFR rate and refunding the resulting overcharges for the entire time of the increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: WA

Complaint narrative:
Wilber & Associates PC is demanding payment from me ( or my insurance company ) on behalf of XXXX XXXX stating " Our client is seeking reimbursement from me as a result of the incident which occurred on claim date ( XXXX in XXXX XXXX, Oregon. Their Client Claim number XXXX. The amount of the claim is {$5500.00}. There is no description of the incident! 

This is a completely fraudulent claim which they have engaged in with others repeatedly per your files and other reports from XXXX throughout the US! I have never been in XXXX, Oregon on that or any other date. I have not contacted them because I don't want to give them further opportunity to harrass and threaten me. 

Thank you for your assistance in resolving this and hopefully taking legal action for this clear scam which undoubtedly frightens some people into paying money they don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/2023 I called Chime Bank where my Checking account is and I asked them if they could get in my checking account and send XXXX, XXXX a XXXX dollars Down Payment for a vehicle that I was approved for they told me YES and they went to my checking account and deducted the XXXX dollars and Electronically sent it to XXXX, XXXX so I thought my delivery of my NEW VEHICLE was supposed to be on XX/XX/2023 on XX/XX/2023 I received a phone call from XXXX, XXXX telling me that they were not going to deliver my vehicle on XX/XX/2023 when I asked why not they told me that they have not received my XXXX dollars DOWN PAYMENT yet so they told me that they have to reschedule the delivery for the next week XXXX, XXXX then scheduled the delivery to XX/XX/2023 on XX/XX/2023 the day of the delivery I never heard anything from XXXX, XXXX whatsoever so that's when I called them and I asked them why haven't I heard anything from you about my delivery for today that's when they told me once again we still have not received your XXXX down payment so I called CHIME for the XXXX time and told them what XXXX, XXXX was saying, CHIME kept lieing to me telling me that they sent the XXXX DOWN PAYMENT to XXXX, XXXX finally I asked CHIME can you please send me proof of the check you sent to XXXX, XXXX when they sent the check image EVERYTHING on this check was wrong they had XXXX, XXXX wrong address on this check they had my information wrong they said I live in XXXX XXXX XXXX, UTAH when my CHIME PROFILE shows my correct information. They still HAVE NOT GAVE ME back my XXXX dollars they stole from me even as of Today 's date I'm asking you for your help to get my XXXX dollars back as well as DAMAGES for all the Stress they put me under,

Company response to consumer: Closed with explanation