vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I rented a bike from XXXXXXXX XXXX XXXX XXXX XXXX and told a {$100.00} hold would be placed on my Chase Freedom Visa credit card until the bike was returned. I was provided a receipt for the {$100.00} " open auth ''. upon returning the bike I received a a receipt showing the {$100.00} " voided ''. When I checked my credit card account online, the {$100.00} is pending charged and there is {$100.00} pending reversed which comes to a total of {$0.00} charges, however the {$0.00} charge does not reflect my available credit. When I called my credit card company they state they only see the {$100.00} pending charge and not the pending {$100.00} reversal amount and the {$100.00} should post or falk off in 2-3 days. It is now 5 days since the discrepancy and there is no change. I believe there is fraud going on with my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Divergent Consumer Services
State: NJ

Complaint narrative:
I dispute {$850.00} paid XXXX XXXX, XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX the company preyed on me with low credit score by luring me in with promises to permanently delete all negative accounts from my credit report ( s ), and then insist charge unlawful advance fees for credit repair services and don't do anything in return is using personal information and lies to steal my money and credit card.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I noticed the debt from XXXX XXXX XXXX late 2023 when I was trying to purchase a home. I called the company and told them it was not my debt, I did not know anything about it. I asked them to take it off. I thought the matter had been resolved because it was taken off for a while. It has apparently been sold to a collection agency

Resurgent LVNV Funding. A debt for {$470.00} has been placed on my credit report again. How was the debt made? did the person use false identification? I am a XXXX with medical issues. It is very tiresome and stressful having to do so much leg work to get a fraud
transaction removed from my credit. My credit score has gone down by XXXX XXXX points because this collection was placed on my credit report. I want to make a financial transaction, but cant until issue is resolved. These collection agencies don't seem to care if you are a victim they try to make you pay almost by forcing your hand. I don't want to pay a debt that does not belong to me. I want this debt taken off Asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a check into my girlfriends account the check is in my name, but the bank needs a phone number verification I dont have a phone line under my name as I am on a family plan, we went in to the branch and took my manager, I have all the proof for the check, they are claiming without a phone number they cant release the check, they have closed her account and have not even tried to contact me the owner of the check, they could have taken my social security or my ID that has the address of the check and matched everything up but they are not investigating properly they are just persistent on that phone number they have had my check for two months now and are doing nothing to help me or anything to try and release my check I worked for that check and they are hurting my ability to feed myself and my family especially in times like this, I have went to the branch and have told them I can verify anything and prove that its my check I have all the statements of the exact check the exact dates the exact company that gave me that check and paid me more than once I have pay statements from the same employer yet none of that proof is enough for them and I dont know what else to do the check is literally just being held for no reason, if they couldnt verify they had no reason to cash the check, they could have sent it back to my employer and they could have wrote me a new check, but they cashed it and are passing my money around as thats what banks like to do, I have been calling everyday and they are of no help I come to cfpb because you are the only people who care enough to actually do something about it, I dont know who contact or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Allied Collection Services, Inc. (Nevada)
State: PA

Complaint narrative:
My information or data has been compromised by by XXXX data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.

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 2024-11-17 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: MI

Complaint narrative:
Experian was given documentation as well as a CFPB report for removal of XXXX XXXX. Even while they got a digital, hard copy and phone call for the dispute they still have failed to resolve the issues and instead have continued reporting negative remarks. CFPB report states account to be deleted and it was deleted from other agencies but Experian has refused to comply both when requested over the phone and when emailed documents. Attached you will see the CFPB REPORT they have previously ignored for the past 90 days

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 2024-11-17 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: MI

Complaint narrative:
XXXX was given documentation as well as a CFPB report for removal of XXXX XXXX. Even while they got a digital, hard copy and phone call for the dispute they still have failed to resolve the issues and instead have continued reporting negative remarks. CFPB report states account to be deleted and it was deleted from other agencies but XXXX has refused to comply both when requested over the phone and when emailed documents. Attached you will see the CFPB REPORT they have previously ignored for the past 90 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I signed up online for a Wells Fargo account because they were offering a {$300.00} checking bonus for making qualifying deposits totaling {$1000.00} within 90 days. I met the requirements, but every time I call, they claim the bonus wasn't applied. The website states that the code is automatically applied for online enrollment, while customers visiting a bank are emailed a code. Since I enrolled online, the bonus should have been automatically applied. This feels like false advertising, and they dont seem willing to resolve the issue. Many other customers have also complained about this situation.

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 monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My information or data has been compromised by by XXXX data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information or data has been compromised by by Experian data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.

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 2024-11-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX Dear, I agree to pay the following financial obligation regarding account number in XXXX which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Account Number : XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. 
State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX days from the date you receive this letter, this account must ha delated and removed immediately from my credit ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I'm trying to dispute an old account that has since been removed from XXXX but every time i try to dispute it through transunion it says please try again later. Then i tried going directly to their website and logging in but there website also does not work. The page half loads and shows no information to dispute despite being fully logged in.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquires from my consumer report no later than 4 business days after such information I've provide. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2024-11-17 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-17 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-11-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am having difficulties with Carrington Reverse Mortgage regarding Flood insurance payments. Last year i paid them $ XXXX for XXXX XXXX and this year they said I only needed to pay $ XXXX. Then i received a phone call stating they weren't going to let me pay a monthly payment & I needed to get my own policy but that I owed them over {$600.00} in Flood insurance fees and that I had to get my own policy. I paid off the {$600.00} fees in about 10 days and stayed in communication with them telling them that I found a Flood Ins policy & paid XXXX about {$1400.00} but it would take a few weeks to get the policy in print. They said ok & when I uploaded the proof of policy within about 10 days i called them & they said that I was in Good Standing. The other day I received a letter stating I am in default & that I owe them {$2400.00}. I also discovered that I never actually had Flood Insurance the previous year that I paid them {$160.00} a month for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to deposit XXXX all XXXX XXXX XXXX  bills into my checking account at the ATM. The ATM cancelled the transaction and retained my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX This account is not mine Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX I dont recognize this lender and account.XXXXPlease remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

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