vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 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: TN

Complaint narrative:
This is a follow up to complaint COMPLAINT ID XXXX SUBMITTED ON XXXX/XXXX/2024. We are requesting the remaining funds of {$1500.00} stolen from XXXX TN XX/XX/XXXX24 at XXXX XXXX be returned as the funds were not withdrew by the victims / card holder of the account. We will continue to file claims until all funds have been returned. 

Chase bank requested we get local authorities involved and we did as requested. We were told by local authorities " there is an uprise in this type of crime and to make sure not to take calls from imposters pretending to be your bank ''. That is all they could offer. 

Since Chase refused to investigate and has washed their hands of the matter the victims are left to some investigative work of their own and discovered an email from Chase bank stating they enabled XXXX XXXX for XXXX. We do not own XXXX we use XXXX. And we don't use our phones to make digital purchases. We believe this is how the funds were stolen through digital wallet. If the criminals can set up digital wallet using Chase mobile app they most likely can obtain the pin number this way. I'm convinced Chase provided that PIN number since they ( criminals ) gained access to the account via XXXX. Furthermore both account holders/victims were working XX/XX/XXXX24 and live XXXX minutes from XXXX TN . They neither had the opportunity or the motive to drive XXXX hours out of their way to obtain a cash withdrawal when they have a Chase bank within XXXX minutes of their residence. We do not take large amounts of money from our account either. This is clearly the work of fraud. Please advise how we are to proceed with receiving our remaining {$1500.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
My account was closed without prior warning. I spoke with several customer service reps prior to my account being closed and not one of them informed me that it was in jeopardy of being closed. My account is current and all past due payments have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint to WELLS FARGO BANK for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Conn's, Inc.
State: FL

Complaint narrative:
I made a payment to my account in XXXX to pay off the account. I was going to receive a refund because the check was more than the account balance. I have called asking for my refund check numerous times and told I should receive the refund within XXXX business days. It has been two months and I have yet to receive anything. Each time I call I told someone will call you regarding this matter and no one ever calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello, I would like to file a complaint regarding my previous Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I called and spoke to a representative and he informed me that they had a different contact number associated with my account that does not belong to me. This matter violates the FCRA XXXXFair Credit Reporting Act. I pulled my credit report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/2021 and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
! am a brand new small business. A customer made a payment through the XXXX XXXX XXXX powered by XXXX. they paid via " tap to pay '' in the amount of {$350.00}. I noticed the funds had not yet entered my account the following week and called to find out what happened. I was forwarded to XXXX XXXX and told " we have placed a hold on your account for 120 days '' with absolutely notice and no other reason given. I asked if I could refund my customer and so i could take payment another way and they said no. NO REFUNDS? I've called several more times to attempt to speak with a manager and was told they didn't have time. this is a Brand-New small business and this is my very first customer. I desperately need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my Equifax report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What Metro2 compliance procedure was used in the reinvestigation of these accounts? Was the furnisher Metro2 compliant? Which aspect of Metro2 were they compliant with in the description of their response? What aspect of Metro2 in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ). Can you please see to it that EQUIFAX follows ALL Federal laws in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the following date 's I sent in disputes regarding a public record. Showing on my XXXX credit report XX/XX/year> XXXX XXXX, and XX/XX/XXXX, XXXX on XXXX XXXX I received a credit report from XXXX XXXX the bankruptcy court verified this information as mines XXXX stated that they received the information from a third-party vendor XXXX that statement id misleading I have a letter from XXXX that the bankruptcy is no longer reporting on my consumer 's file. Please see documents.equifax fail to conduct a proper investigation under 15 USC 1681 ( I ) ( A ), the bankruptcy court or the clerk dose not report to the CRA 's,

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have submitted a fruadulent/scam claim to FTC report XXXX XXXX. Please see attached what I have submitted. I was scammed out of {$11000.00}. Please direct me on what can be done to recovered the funds I have lost. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am addressing a matter of significant concern regarding willful non compliance and the resultant civil liability stemming from actions on behalf of Experian XXXX XXXX. CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE 15 U.S.C. 1681 ( n ).

I have submitted THREE written request with Forms 3800 and 3811 attached.Filed Complaints with the CFPB, FTC, & BBB and still no resolution. Please see attachments, copies of documentation and evidence supporting my claims. 

As of XX/XX/XXXX, I pulled my Experian Report and these accounts which I demanded to be deleted, as well as copies of the documents Experian used to verify these accounts per my request are still XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX -Unverified Account XXXX XXXX XXXX -Original creditor : XXXX XXXX BANK XXXX XXXX. - XXXX - Unverified Account The company said they have reinvestigated these accounts, but all they have done is parroted information given to them by other sources. I asked Experian if I gave them written instructions? They ignored my request. I asked that Experian provide me with the name of the person who verified the accuracy of these accounts, they ignored my request. I have the right to demand all documents that Experian has recorded and retired in their files pertaining to me. 

The company has reached the 30 day mark, therefore they must delete these accounts from my credit report. A written letter was sent XX/XX/XXXX for XXXX XXXX XXXX, and Inaccurate accounts XXXX XXXX # XXXX. XX/XX/XXXX a written letter was sent for Unauthorized Credit Inquires on my consumer report XXXX CM # XXXX. A second written request was on XX/XX/XXXX XXXX CM # XXXX. A third written request was on XX/XX/XXXX Refusal to conduct proper investigation XXXX XXXX. XXXX ( XXXX ) XXXX CM # 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My XXXX XXXXXXXX was denied asking SPS any questions on my behalf.Such as are any further documents required for the application process AND have previously requested documsnts been received to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I am writing in response to CFPB Complaints XXXX and XXXX filed against Military Star and AFFES. I am demanding the immediate deletion of this account or the prompt correction of the original date of delinquency to reflect XX/XX/XXXX. 

On XX/XX/XXXX, Military Star and AFFES claimed that they addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. However, this statement is unequivocally false. Their actions on XX/XX/XXXX, led to the re-aging of the account, now showing as a new collection on my credit reports as of XX/XX/XXXX. As a result, my credit reports now indicate a XXXX late payment as of XX/XX/XXXX, causing a XXXX decrease in my credit scores. To date, my credit reports remain inaccurate as of XX/XX/XXXX. 

I have attached copies of my credit report as of XX/XX/XXXX, before Military Star and AFFES claimed to have addressed the complaints by processing AUD # XXXX on XX/XX/XXXX, to mark the account as paid in full with the correct dates and account details. I have also included my credit report as of XX/XX/XXXX, following the supposed corrections. Please note the differences between the XXXX reports. It is evident that there is no indication whatsoever that Military Star and XXXX have made the necessary corrections to update this account to the original delinquency date of XX/XX/XXXX. 

In addition, despite my repeated attempts, I have not received the requested copies of my statements prior to XX/XX/XXXX from AFFES and Military Star via XXXX and XXXX, or by phone. 

I implore the CFPB to take action against Military Star and AFFES for their deceptive practices, misrepresentation of facts, and ongoing violations of federal regulations such as the FCRA and TILA. It is imperative that they are held accountable for their actions and prevented from further engaging in deceptive trade practices.

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 2024-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. 

My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. 

Also, shows that on XX/XX/2024 that there are unauthorized transactions to a company called " XXXX '' for XXXX transactions of {$1.00} and {$58.00}. I do not even know what this company is. Paypal says the best they can do say that I never received the product. 

Before the my account was hacked eailer in the day I transferred {$590.00} to my XXXX Checking account. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money. On XX/XX/2024 they reversed the amount from my XXXX account, but it never showed in my Paypal account. Paypal says they are trying to allocate those funds. 

In all I am hurt and do not trust Paypal anymore. I am missing {$760.00} that I have no guarantee to ever see back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
On XX/XX/XXXX I responded to an email from ( attached ) from Scott & Associates, P. C. 
The date on their email to me is XX/XX/XXXX. It was an offer to settle a debt they allege is owed to XXXX XXXX. 

This organization had emailed me with an offer to settle a discharged account their client XXXX XXXX allegedly purchased as a secondary buyer. 
MY RESPONSE On XX/XX/XXXX I emailed Scott & Associates P.C with a request for account information. ( Attached ). 
I asked for information about the alleged debt and requested it be mailed to me as I had no idea who this organization was. 
I have not seen any information from them prior to this communication in my trash email nor have I received anything via USPS prior to this email.

On XX/XX/XXXX a process server appeared with a lawsuit dated as filed XX/XX/XXXX. 
So Scott & Associates emailed me offering to settle this the same day they filed their lawsuit against me. ( See attached summons ). 
XXXX XXXX alleges they purchased a discharged account from XXXX XXXX XXXX. 
My complaint is 1. 
XXXX violated my rights UNDER THE FDCPA by re-aging the account upon purchase in XXXX. 
This account had an original date of delinquency in XX/XX/XXXX as my credit report shows. ( see attached XXXX credit report first date of delinquency XXXX XXXX, # XXXX ). 
XXXX XXXX wrongly reported the date of first delinquency incorrectly on my credit reports as the date THEY allegedly PURCHASED the account in XXXX. 
This is an illegal act and further damages my credit score. 

2. Ignoring my request for accurate validation, suing me instead on the same day they offered to settle via email. 

Days after offering to settle via email on XX/XX/XXXX, and my subsequent request for validation on XX/XX/XXXX, this organization, Scott & Associates P.C., XXXX, TN sent a process server to my home to serve a summons to appear in General Sessions court. 
The issue date was the same date they filed a lawsuit against me ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I wanted to sell my property.The title insurance company located an old mortgage recording that I do not have any recollection of that loan. I contacted the local bank XX/XX/XXXX, the bank manager XXXX XXXX, forwarded the request and information on to corporate office. I have stopped and called over the following weeks and no information was available from XXXX XXXX, the corporate office has not called or communicated in any way. I contacted the XXXX  of Michigan and their reply is enclosed with this complaint, they directed me to this website. 
I have talked with a real estate broker. He thinks that the 'loan ' was probably never used or had a XXXX balance and since it was dated in XXXX that the bank has misplaced the paperwork. Since the date on the Future Advance mortgage is XXXX, the XXXX XXXX was sold to the Huntington Bank, which could have contributed to the loss of paperwork. I am XXXX XXXX XXXX and do not remember any details about this Future Advance mortgage. I am requesting a discharge of the mortgage XXXX that is recorded on my property so that I can go ahead and sell it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I called Fortiva last week and specifically told the agent, I was calling to make a payment to fix my account because I was behind. I also, asked how can you help me? I was under the impression I was making a payment to get my account in good standing. After, the I asked about my available credit, the agent told me to call back in a week and everything should be okay. Today, a week later Im calling to check on my balance excited I fixed my account, most of all my credit. Suddenly, they tell me my account is closed. I was alarmed knowing I spoke to the agent who misled me, and never told me my account was closed when I was making a payment. Nobody ever mentioned it to me on the call which is recorded. Nevertheless, the mail they said they sent out in XXXX. I have been ill for a few months, mail is pilled up. Even if I never received the notification regarding my account via mail. It should have been communicated to me when I made my payment to get in good standing. The call is recorded, I was lied to,, misled, ripped off, and still without my account. They closed it, had me thinking making the payment, Id be in good standing. You can clearly hear me in the recording asking for help to fix my account. After I told the agent I was go to report this matter. The sent me a message instantly saying I owe them {$99.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief