vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I brought my daughter in to open an account she is XXXX and we needed my father help because he banks with Chase while we were there we were trying to access his online banking due to him calling in and closing it my father suffers from XXXX XXXX and sometimes not know what he does I XXXX XXXX is his caregiver I take care of all his bills like mortgage Cabel gaslights and we need access to online to see how the bills are being paid or if they even being paid we dont even receive paper statements I try to explain this to I believe a bank manager and he refused to help us calling me a thief that I was trying to steal from my father in front of my child. I try to explain to him how my father acts and he took it upon herself to ask my dad behind my back if he wanted to unblock something my dad said no not understanding what he was axing never explain to my father anything so he gave me an attitude very nasty telling me he wasnt going to help me telling me to get out of his bank cursing at me making threatening jesters towards me told me to get the XXXX out so I told him I wasnt going nowhere until he say it nicely and I didnt trust walking past him at the door I was in fear of my life so he said now youre gon na stay in here and lock the door and walked away so I was stuck in the bank I tried to unlock the door myself and he says oh now you wan na get out and he unlock the door meantime my daughter still is in the process of learning how to bank with chase all this happened in front of my child I was devastated I was hurt I was angry and I am XXXX  now I need him to be fired And I wan na be Compensated for my pain and suffering Ive never experienced anything like this in my life to be held against my will at a bank I was robbed of my spirit of my safety

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT.

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 2023-07-27 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I received a demand debt obligation notice from Harris & Harris , Ltd. attempting to collect on a non obligated debt they created in absence of any consent from me, promise, agreement, note, contract or any other instrument bearing my signature. This is violation of FDCPA, Privacy Act, and Identity Theft. Attached is notice sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I initially applied for homeowners assistance program, and they were taking long to resolve the issue and the mortgage servicer Mr. Cooper offered a loan modification and so I agreed but a few days later the assistance program was able to pay the remaining balance. I called Mr. Copper several times, and emailed them to cancel the modification and it still has not been canceled. I have not been able to see my account, nor have they generated a new analysis so that I can see my account. Attached is the only thing I could see since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: NY

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-27 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: Experian Information Solutions Inc.
State: NY

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY INFORMATION TO COSIGN FOR A CAR LOAN.

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 2023-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) is issued an advisory opinion to affirm that the Fair Debt Collection Practices Act ( FDCPA ) and its implementing Regulation F prohibit a debt collector, as that term is defined in the statute and regulation, from suing or threatening to sue to collect a time-barred debt. Accordingly, an FDCPA debt collector who brings or threatens to bring a State court foreclosure action to collect a time-barred mortgage debt may violate the FDCPA and Regulation F. 

The Debt collector has filed a Motion for an order confirming referee report and judgement of foreclosure and sale. This mortgage was accelerated on XX/XX/XXXX  ; almost 10 years ago and is therefore time barred by almost four years based on New York 's six-year statute of limitations. The newly enacted Foreclosure Abuse Prevention Act provides that all acceleration events, whether occurring prior to or by way of commencement of an action, are presumptively valid unless a prior action was dismissed upon a timely interposed defense, asserted in a defendants motion or application, based on a express judicial determination that no valid election to accelerate the instrument occurred prior to or by way of the commencement of that action. The Debt is time barred and the FDCPA and Regulation F prohibit a debt collector from suing or threatening to sue to collect a time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: Experian Information Solutions Inc.
State: MO

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. 

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX  XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account XXXX XXXX # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX 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.

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 if 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in response to complaint XXXX. Experian stated that the disputed account does not appear to be on my credit report, and I attached my most recent report to show that the account is there. I do not believe an investigation was done. I believe that Experian is sending generalized responses to every consumer that submit a complaint. I already submitted proof as to why the account is reporting wrong. I also reached out to the creditor, and they stated that they submitted an AUD so why is this still reporting as a collection in XXXX? Once again, I will provide the payment made in XXXX as well as my credit report showing the account Experian claims is not there. I am demanding that this collection status be removed from my credit report.

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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I been dealing with a business account with fifth third bank since XXXX of last year... 
Since I open my account I had ongoing issues the ATM deposits don't have a deposit date ... they can be in process until they want to... 
They choose with check to cover having the money in the account.. 
And I get charge de returned fee to clear up I get the charge money back The square deposits get returned But these last on XX/XX/XXXX XXXX deposit cash at the teller ..my husband deposit XXXX into the account and I also deposit a check in the ATM in Illinois my account was frozen with any notification I Try to sign into the account to transfer for one account into another and I did nat have access I figure out it's because of the weather I call the bank the explain to me is because of the check to go to the near by location and present where the money came from .and I Did but I was mistreated In top of it.. I was told in a sarcastic way was I was doing in Area if I live in XXXX 
That I counter fit checks.. 
In addition the last remarks was if I sold drugs.. 
I walk away Today XX/XX/2023 went to the bank I had open the account with the prove of everything they asked for ... it was send to the investigation department 15 minutes later I was told to bring more XXXX more to the bank to cover a check they returned.. 

So am out of {$4900.00} and am still waiting on the manager to contacted me...

I was told in 24 hrs it's been over that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohls changed my store card into a " Capital One Visa '' without allowing me to opt in. I did not give my permission to open said Capital One Account and when I contacted Capital One to close the account and move the balance to an existing Capital One Account they refused to allow me to do it even though there was plenty of credit available on my account. 

I contacted Kohl 's customer service and asked them to revert my account back to a store account and the staff brushed me off and gave excuses that they " don't have any of my information anymore '' yet refused to help me beyond this excuse to resolve the situation. They informed me that I needed to return to a kohls store and " open a new account ''. Also, I was informed that I was " chosen '' for this " wonderful offer '' and they refused to understand that this is a different type of credit and that I DID NOT OPT IN OR AGREE to this account change. 

I contacted Capital One and canceled the new card and had to transfer my balance onto another credit card and now I have a negative item on my credit report for the closed Capital One account.

I believe that this is a violation of the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I responded to an offer from associated bank  for {$200.00} bonus after spending {$1000.00} within the first 120 days of opening, i fulfilled the requirements by ordering a commemerative coin from the U. S. Mint, the bonus was denied by associated bank  claiming the purchase was not eligible. No where on the offer does it state purchases from the U. S. Mint are ineligible. The person handling the account in XXXX XXXX is XXXX XXXX XXXX When I called her about this she said she would follow up for me. I called the next day and was put on hold and XXXX never picked up or called me back so i called another associated branch and reached a manager named XXXX XXXX ( his phone number is XXXX ) who said he was going to work on getting my bonus. The next Monday i called him and everything changed. I mentioned to him that XXXX blew me off and he said he would not do that but that is what he did telling me there is nothing he could do etc. I feel i'm entitled to the {$200.00}. Please help me since associated probably will not talk to me anymore.

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 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: AZ

Complaint narrative:
this company continues do take funds out of my account a day early causing my account to be overdrawn. I have reached out several times about fixing this and was told it wont happen again only for it to happen again today. this time they took XXXX a day before my payday. I have screenshots of each time they have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit
State: CA

Complaint narrative:
I was diagnosed with XXXX and missed a loan payment. 

Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/22, I received a letter from the Department of Education XXXX XXXX XXXX indicating that my Student Loan Consolidation was approved and that the TOTAL Indebtedness was {$22000.00} and was being Consolidated from a Private Student Loan Held by XXXX XXXX ( which had been transferred from Nelnet a month prior ). On XX/XX/22 ; I received a letter from Nelnet indicating that the loan was completed and that they were now servicing this loan with a current balance of {$22000.00}. 
In XXXX XXXX, I was surprised to see that Nelnet had not XXXX, but XXXX Loans now listed on my credit report with a total balance of {$44.00}, XXXX! Somehow ; Through this Loan Consolidation, I now had more than DOUBLE the XXXX. I have only ever had XXXX Student loan and Nelnet Was my Loan Servicer for several Years prior to Transferring it to XXXX XXXX shortly before I applied for Consolidation. 
In Reviewing My Nelnet account, they now have XXXX loans, XXXX is a XXXX XXXX  XXXX for {$22000.00} and the other is a XXXX XXXX XXXX  for {$22000.00}. 
I have attempted to contact Nelnet to correct this error, several times both through e-mail and XXXX, with no response. I have also tried to call several times, and just get a message that due to extremely high call volumes, I should try my call at a later time. 
I am Attaching all of the pertinent information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my son received a Vanilla gift card in the amount of {$500.00} for his high school graduation. He also received another one in the amount of {$250.00}. He did not open the cards right away as he was saving them for a special occasion. In XXXX of XXXX he tried to use the cards and they were declined. After getting on the Vanilla gift card website and checking the balance and looking at the transactions, he realized the card had been compromised. that same day I reached out to Vanilla gift card making them aware of the scam activity and they told me to file a dispute, which I did. I was told the process would take a maximum of 60 days and have been told several different dates I would receive a replacement card in the mail. I just got off the phone with them again and now they are saying the case has been closed and I never received the stolen money back. 

The first XXXXXXXX XXXX XXXX case # XXXX The second case # XXXX

Company response to consumer: Closed with explanation