vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> I received a text from " USPS '' or someone claiming to be USPS. They stated they had the package I was waiting for and needed my updated information to send it to me. I gave them my information, including my debit card information and address. I quickly received a text message ( attached below ) that was an activation code to enroll my debit card to my digital wallet. I also received an email from Chase ( attached below ) that stated I updated my card in my digital wallet, which I did not do. I quickly realized it was a scam and called Chase Bank right away, through which my debit card is through, and informed them of the fraud. They canceled my card and informed me that my new card would come in the mail within 7-10 business days. On XX/XX/year>, an unauthorized in-person transaction was made at the XXXX store XXXX XXXX XXXX XXXX CA for {$300.00}. I was not in XXXX XXXX, CA at that time, nor have I ever been there. I called Chase when the transaction was posted on XX/XX/XXXX to inform them of the fraudulent transaction and they informed me that my debit card was updated in my XXXX XXXX  the day after I canceled my debit card. During my initial phone call with their fraud department, I was not informed by Chase that the card automatically updates in the XXXX XXXX. They then canceled my first replacement debit card, which was still in the mail and I had not even received yet, and issued me another replacement debit card. I filed a fraud claim with Chase on XX/XX/year>, which was denied on XX/XX/year>. During this call on XX/XX/XXXX with Chase, is when I removed all cards from my XXXX XXXX XXXX I re-filed the claim on XX/XX/year>, after the {$300.00} credit was removed from my account. The claim was again denied on XX/XX/year> stating that " the transaction ( XXXX ) was processed according to the information you provided or was authorized. '' I called the Chase customer claims department today, on XX/XX/year>, and was informed that there was nothing Chase could do to help me, because the debit card was connected through my phone number, and my phone number has not changed. This transaction was not authorized by me, and I don't know how it was made in person in XXXX XXXX, CA when I was never there. I assume they added my canceled debit card into their XXXX XXXX  and therefore had access to the updated card information, which they used to make the unauthorized transaction on XX/XX/year>. Neither Chase Bank nor XXXX could resolve the issue for me or give me my money back after it was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage loan transitioned from CMC Funding to Newrez-Shellpoint Mortgage Servicing in XX/XX/year>. My automatic payments carried over, but in the first month ( XXXX ) my payment of {$1200.00} was withdrawn twice from my bank account. The first payment was withdrawn on XX/XX/XXXX and then again on XX/XX/XXXX. I gave it a few days to see if the extra payment would be returned. When I still didn't have the money returned after a few business days, I submitted a question through the online portal. On XX/XX/XXXX, I got a message back saying there was a double payment draft, and that the payment processing team had corrected the issue. According to the email, I should have received the funds back on XX/XX/XXXX or XXXX, and if the payment has not been refunded to submit a copy of my bank statement to them through the web portal again. 

My bank only lets me print out monthly statements, so I submitted a screen capture of my bank account transactions to Shellpoint around XXXX XXXX. I never heard anything back. I then submitted a copy of my XXXX bank statement showing the double withdrawal and no refund on XX/XX/XXXX once it was available ( note : I highlighted the Shellpoint transactions and blacked out descriptions of other unrelated payments ). I finally received a message back on XX/XX/XXXX, basically saying the payment should have been returned already and that the statement I submitted was not sufficient. I would need to submit a detailed unedited XXXX bank statement again. So I submitted my full XXXX statement ( unedited this time ) on XX/XX/XXXX. I have not heard back from Shellpoint since this submission and still have not had my missing funds returned as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, Account XXXX : XXXX XXXX ACCOUNT # : XXXX need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to vou. This information is inaccurate, incomplete and can not be verified. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 

Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account XXXX : XXXX XXXX XXXX ACCOUNT # XXXX Account XXXX : XXXX XXXX ACCOUNT # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened and used a Citibank/HomeDepot credit card to have a flooring installed in XXXX. The first installation was done fairly satisfactorily but the second installation was poorly done and damage was done to my home. After several discussions with Home Depot they agreed to refund me the amount paid for the second installation but only if I signed a document releasing them from liability for the damages done to my home. I refused to sign the document and instead filed a dispute with Citibank as the true lender. The amount disputed was {$1400.00} on XX/XX/XXXX which was the entire cost of the botched installation. Citibank responded with a claim that they were denying {$320.00} of the claim. Their reasoning was that returns had been made to the account totaling {$320.00}. I asked them to verify that the returns were all related to the {$1400.00} as I had returned items from other purchases during that time period. They have not provided me with that information. I also asked them to give me a breakdown of my payments made prior to the dispute since they stated that my payments sent in were applied to the {$1400.00} and they have not provided that information either. I informed them during 5 separate phone conversations that I was going to continue to dispute the charges until this information could be verified because what they were claiming I owed from the {$1400.00} did not reflect any of the payments made. During one of the phone conversations, a representative stated to me that I needed to just sign the documents from Home Depot and take the check for {$320.00} from Home Depot to pay Citibank back. I filed a complaint about the statement from the representative but Citibank never reached back out to me regarding this complaint. Now, Citibank has reported me to credit bureaus as making late payments but I have never had late payments filed on me for any credit card with a credit bureau. Prior to the dispute every payment was made on time with Citibank.

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 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app Ive used for years closed the wrong account due to fraud by XXXX XXXXXXXX by XXXX XXXX and they closed the wrong account due to XXXX XXXX and have yet to restore my good standing account I have reason to believe now they are committing fraud and my mother sent money that was stolen they refuse to fix. 

I have contact law enforcement and reporting all agencies associated. 

Cash app will face damages due to willful neglect of account and their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2024-07-27 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I sent a letter to validate an alleged debt to National Credit Systems on XX/XX/year>, as of this date, I have not received anything nor the status of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CL Holdings LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of JEFFERSON CAPITAL SYSTEMS to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recieved a credit report from Transunion on XX/XX/XXXX by mail. Transunion deleted XXXX. Transunion did not delete XXXX from my credit report. XXXX XXXX company sent Transunion a request to remove or delete XXXX and XXXX from my credit report on XX/XX/XXXX. I'm waiting for Transunion to delete or remove XXXX from my credit report. XXXX was paid in full before Chargeoff, before sent to 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for XXXX but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with Experian. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile.

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {XXXX per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, 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 non-monetary relief