vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XXXX XXXX I sent out a certified mail letter to NCB Management Services. To validate an debt they claim I owe. the US postal tracking number is : XXXX XXXX XXXX XXXX XXXX. The letter states the following. " Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Also. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Under 15 U.S. Code 1692g - Validation of debts. I have submitted a copy of the Certified letter I sent and a copy of my Identity theft report and a receipt from the US postal service showing delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a Chase Sapphire Reserve Credit Card customer. One of the card benefits is free trip cancellation insurance, which I used for the first time ever for my Trip ID # XXXX. My sone got sick and we had to cancel the trip booked through Chase XXXX on the Chase website. Trip date was XX/XX/XXXX, trip was canceled on XX/XX/XXXX. As requested by Chase XXXX, I filed an insurance claim with Chase ( claim number XXXX ) and provided all the required documents. 

Chase insurance is refusing the honor the insurance claim giving me a run-around between various departments. I have spent countless hours speaking with different people- contacting the airline, insurance company, Chase XXXX supervisors, Chase Card Services and others with no resolution of my case. 

I consider this a bridge of contract with Chase Sapphire Reserve, since trip cancellation is one of the benefits that is covered by my Credit Card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act XXXX, My rights have been violated. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor5 may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, 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 This inquiry was not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, 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 This inquiry was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX my debit card was used for five fraudulent transactions total of around {$560.00}. Those were done in XXXX XXXX, VA, a place Ive never been and certainly didnt make three ATM withdrawals. USAA refunded my money that day but three months later they deducted those amounts after concluding they were not fraudulent after a through investigation. They wont allow me to talk to anyone on the investigation and keep giving me the run around. They are supposed to protect their members against fraud and USAA called me a liar after 22 years of membership. And I have no way to fight this bc they keep transferring me and promising a call back that never happens.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681a ( d ) ( 2 ) ( b ) Exclusions, to request you remove this item immediately. XXXX XXXX account number : XXXX. This account is being reported illegally.

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 2022-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
Discovered three negative remarks on my credit report all three were placed by National Recovery Agency, and the client for each was XXXX XXXX XXXX. 

Each of these are different dates of service. 

I offered to pay one of these bills each month starting with the lowest balance until all balances were paid. National Recovery wanted to combine all three balances and have me pay a third of the total each month. 

I don't offer money I don't have I also believe this would " reset the clock '' on each of these debts. 

I reached out to XXXX XXXX and paid the first balance of {$110.00} it is noteworthy that only one balance exceeds {$500.00} further motivation for National recovery to combine balances. 

I would like the negative remark removed from my credit report before I pay any further money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a new credit card from JP Morgan Chase Freedom XXXX that I never applied for. It has my name came to my address and has a {$11000.00} limit. I called the back to see who applied for this when and where. Sent to fraud debt who after 40 min agreed to close the account. Im not sure who applied for this or if the bank just sent it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX/22 I received check # XXXX in the amount of {$1000.00} as payment from XXXX XXXX XXXX, XXXX. On XX/XX//22 I deposited said check to my Chase checking account via my mobile app. 

Moneys in the amount of the check were never released into my account and on XX/XX//22 Chase closed my checking account because they couldn't verify the funds from CHeck # XXXX which I tried to deposit check into. Upon contacting chase I was told that the check was flagged for fraud and that it was being held in a chase reserve account that I do not have access to. 

I contacted Chase Bank both in person and via telephone countless times and have not been provided a solution. Chase states that they need a verified phone number and all the numbers I have provided them doesn't match what they have in their system. I'm quite perturbed since the numbers I provided Chase with has been used for XXXX XXXX XXXX, XXXX well over 15 years and can be found on the companies website as well. 

I have been told by Chase there is nothing more that I can do because the Fraud department doesn't speak to anyone or accept emails. XXXX, the representative I spoke to on behalf of Chase ( stationed out of a call center in Texas ) also mentioned that they can hold the funds up to two years and then the funds will be released to the state. 

I've also discussed with XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX, the company retracting funds, however, because of the funds clearing, she was unable to grant my request. 

Attached please find the cleared copy of the check - on behalf of XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX. Also attached is the correspondence XXXX presented Chase with. 

Please let me know if you need any other verification or documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: Chime Financial Inc
State: VA

Complaint narrative:
This company IS reporting INCORRECTLY & NOT IN A TIMELY FASHION-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NJ

Complaint narrative:
I requested full validation of the debt And the original contract with companies listed below I haven't received any validation XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX 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 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Per my credit report i own Capital one {$3000.00} which i did not ope this account nor i have never had a capital one account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am having so much trouble trying to get Chase to pay my real estate taxes. I have called multiple times to try to get them to pay the real estate taxes correctly. They had the incorrect block and lot number and I provided the documents for them to correct it on the first week of XXXX. They never got back to me. It was only till I realized that they did nothing, that I called them back towards the end of XXXX, asking why were my taxes not paid. Then they made me wait another 3 weeks to process my payment. Another week has gone by and Dept of Finance ( 311 ) has confirmed that they didn't receive the payment. I called Chase to let them know that XXXX hasn't received the payments and if I can get the wire confirmation. They told me it will take another 7 days for them to process this request to mail me the confirmation of the wire. At this point, I am tired of waiting and playing the middle man. While all this is happening, my balance remains unpaid and I am incurring late fees and interest. I'm getting punished for something that isn't my fault. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Rocky Mountain Capital Management
State: TX

Complaint narrative:
In accordance with fair credit reporting act rocky mountain capital management and office of attorney general has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA XXXX and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA XXXXXXXX program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA XXXX program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, 2022, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

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 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX  XXXX Account # 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

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 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I financed my latest XXXX vehicle with Infiniti finance. I paid the vehicle off in XXXX of this year but have not received the clear title. I have called the customer service line numerous times and I am still being told that the title had incorrect information and they are trying to get a new title from New jersey motor vehicle. After almost 3 months and several calls, I just need my title so, I willing to get it myself from Motor vehicle. The issue is that Infiniti will not send me a lien release which I am intitled to. it has become very frustrating, and no one seems to be able to get me this document. I would greatly appreciate any help in this matter. I only need the lien release so I can get my title. 

Here is the information for the loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: ID

Complaint narrative:
I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score XXXX XXXX I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
In accordance with the fair credit Reportin act Bull City Financial Solution Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the rights to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation