vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was originally XXXX XXXX XXXX XXXX XXXX however was sold off to Jefferson Capital Systems. Jefferson capital is listing themselves as the originator ( XXXX XXXX, should be the originator reporting ) when they are not supposed to do so. I've received numerous calls and have asked them to take me off of their lists of calling. They continue to send me letters in the mail and call me. 

Loan # XXXX ( through XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I closed the account last year, and was thinking to reopen it yesterday, one of the agent was helping me to reinstate it successfully, however, after my reinstated chime account received a {$10.00} transfer from my another bank which I use to funding the chime account, chime suspended my reinstated account and ask me to send tones of documents to verify and explain why transfer money to chime, and ask for other bank and card transactions for last XXXXhree months, but I just reopened chime today, there is no transaction for last three months with chime, and some of the funding source I had last year already closed the account, I explained to them and called the customer support ask for a follow up, but no answer, I ask to close the account again and revert the money I transfer in, they say they cant close it because it is suspended, and they cant send money back because they dont allow to, I say What??? So chime swallow my money? Even though its just {$10.00}, I still wish can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I requested a withdrawal from XXXX XXXX to my checking account at CHASE. During the time it was pending, my phone and account had been stolen and hacked/compromised, and the next morning while the funds were at the time still pending. Chase urged me to close the account and open a new one. I did. They said the deposit would be kicked back to XXXX XXXX and Id have to request it again. XXXX XXXX informs me they never received the funds. A week or so of being given the run around and then I see ( where there wasnt before ) XXXX XXXX payments initiated from my account remotely to someone in California all in small increments, between the hours of XXXX XXXX and XXXX XXXX. Chase has refused to reimburse me the funds lost from this account. There are more details that i will go over when needed. They also due to this froze my account and then closed it. I will mention that while I was trying to get the funds returned, AFTER already losing the funds, they had me replace my router, my bank account, my phone, and my XXXX ID and password and they kept saying they would refund me once I did. So I did. And then They didnt. They also asked for and were furnished proof from XXXX showing that my phone had been stolen and compromised. They asked for this XXXX times each time saying they didnt know where it was. They would laugh. And hang up on me as I called everyday for XXXX months. At this point. I am exhausted. Im defeated. XXXX giant corporations, lost {$700.00} of mine, and they act like it was some life changing fortune im trying to get. Or they act like Im trying to get over on them. I just want whats mine, nothing more. Nothing less. {$710.00} was the total of the deposit and roughly XXXX I believe never made it to my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Reached out to Experian credit reporting to submitted complaint about false address on file ( XXXX XXXX XXXX XXXX XXXX, XXXX OR XXXX ). They continue to use this and report this address. Not lived in this place. I want them to report correct information all other address should be removed and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX is valid. Experian is reporting false information on my credit report. I've submitted several times asking for this address to be removed. Same results everytime using the same address as a completed task it what it states.

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 2023-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
This is not my debt. I have never in any state used CashNetUSA, the original creditor. 
The debt has been sold to a XXXX XXXX XXXX XXXX XXXX. 
File number : XXXX Not my debt and I will not be responsible for the payment in the of {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was breached by Equifax. I have written them on XX/XX/2022 and advised them not to use my personal information nor private information without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I have been in the pslf program for years. Recently with the new limited waiver, I was able to have my payment counts update closer to forgiveness. I am now faced with them not looking into why some gaps are missing in my payment counts, as well as an ineligible payment listed that was covered by the limited waiver. I get a different answer why my account isnt being looked into every time I call. I am being told wrong information about my account. This lack of professional is leaving me with 4 months short of forgiveness close to when the payment pause will end. I have taught at a public school for almost 12 years. I know Ive qualified for well over my XXXX counts. I am a single mom of XXXX and will have {$900.00} a month in student loan payments when the payment pause ends if my account isnt updated in time. I am looking for some help, and mohela is giving none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I specifically asked the representative if a credit inquiry would be made to " reinstate '' my card. He said it would not. Instead it did. I specifically told the rep that no credit inquiry was to be allowed. Granted I did sign on the terminal, and it was approved. I did NOT request this card, and he did it anyway. I also told him that an inquiry was made when checking out, and he said, " I was told that it did not ''. I said, how are you going to fix this, and he did not respond. This is fraudulent access to my credit report and opening a credit card.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
During the month of XXXX, XXXX, I used Barclays Bank on-line system to access my Barclays XXXX account to protest one single {$8.00} charge simply because I did not recognize it at all, had no memory of incurring it, and had no recognition of the XXXX charging it. I NEVER once mentioned, on this on-line form, the word " fraud '', and I certainly did NOT ask that my Barclays XXXX be cancelled because I have 5 vendors/merchants authorized to automatically bill this card EVERY month!!! Now I will have to waste at least XXXX hours contacting these XXXX vendors/merchants to give them my new, replacement card when Barclays Bank finally gets around to mailing it to me!!! This is OUTRAGEOUS!!! Federal consumer protection laws and regulations gives credit card holders, such as myself, the right to dispute ANY charge when we simply don't recognize it WITHOUT thereby having our credit card cancelled!!! I unsuccessfully tried to get a Barclays supervisor to realize that!!! 

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 monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I initially applied for a XXXX down home loan with Flagstar Bank on the date of XX/XX/2023. I was approved with conditions for a home mortgage loan on XX/XX/2023. I have had nothing but problems since trying to secure this loan. I have to date made every effort to satisfy the conditions from underwriting and have been unsuccessful in being cleared to close for the simple fact that the underwriter claims that she is unable to source funds used to pay the requested accounts to XXXX. I have sent in multiple forms of documentation including credit card transaction sheets, XXXX ' worth of Bank statements XXXX and verification of payment through a third-party company ( XXXX ). Nothing has been able to satisfy underwriting. I brought these concerns to the president of the Mortgage division at XXXX a XXXX XXXX XXXX and my concerns were met with minimal response. I am currently under contract for a property, and I am now on my XXXX extension. I fear that I will lose out on my chance to be a homeowner due to XXXX 's negligence in handling my loan file. My appointed loan originator XXXX XXXX has elected to no longer be involved in the underwriting process, which is delaying the closing of my loan even further. I am asking that this issue investigated by a higher authority.

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 2023-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and identification as it contains my complaint and requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
How can a complaint be closed if not resolved? I still got a XXXX a year increase stating short funds in escrow, but my taxes and insurance have remained the same ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: AZ

Complaint narrative:
Reprise XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I received a statement from old apartment center XXXX for due of XXXX $ upon contesting XXXX $ of the charges were dropped & I made a reminder of the payment for XXXX . IQ SENT the reminder as a due to my credit report and upon disputing and raising it on my CFPB it was pulled off. Now in retaliation they sent a new letter for XXXX $ ( ref number XXXX ) without any supporting documentation from original creditor showing what the charges are for. Since IQ has all my information they are going the route of intimidation by sending debt collection notices for a debt not owed. 

IQ never sent me the receipt for the XXXX $ I made even after repeated attempts asking for the receipt and I never got a XXXX dollar statement from IQ for the reference letter XXXX. They are causing me extreme stress with these false debt collection notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2023, I received a letter from Bank of America indicating that they were unable to open a deposit account that I had recently applied for. I immediately contacted Bank of America in writing to report that this application for a deposit account in my name was fraud. I requested that they investigate this fraud and report back to me what they were able to uncover in writing within XXXX days. No response was received, so I sent a second letter to Bank of America on XX/XX/2023 again requesting that they investigate this attempted fraud and report back to me in writing within 10 days what they were able to find out. This second deadline has come and gone without any response from Bank of America.

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 2023-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight & Hooper, PLLC
State: TN

Complaint narrative:
My identity was stolen in XXXX, TN and was used to apply for credit cards, apartments, loans, and bank accounts in Texas. I received numerous of letters in XXXX stating that I was in debt with different companies. I contacted all three credit bureaus and put a freeze on my credit for about two years. I also filed three police reports regarding the identity theft, and reported my identity being stolen to the Federal Trade Commission. I submitted my police reports, along with other supporting documentation to prove my identity was stolen. This resulted in the debts being discharged except for one company, " XXXX XXXX ''. XXXX sunt me the leasing agreement that was filled out fraudulently using my name but there were no ligament signatures, my name was not spelled properly, and there was no documentation as in a copy of a driver 's license or anything. The entire packet had typed names. Steeplechase apartments asked me to fill out an identity theft packet which I did and mailed it to them. They then claimed they did not receive the packet. I later found out that they filed a lawsuit against me for almost XXXX dollars and was served a warrant to appear in court. I called them again stating that I sent them the identity theft packet and they once again claimed they never received it. I then offered to them to fill out another identity theft packet and they stated it did not matter because they were taking a judgment out against me. I explained to them that I never received another court date to even appear in court due to the courts in XXXX XXXX, telling me that my court date would have to be reset due to covid and that they were running off a backlog. I acquired about my court date three times with XXXX XXXX and each time they told me they were waiting for it to be reset and that they will mail me a letter regarding my next court date. I never received the letter. I am currently being garnished for a debt that is not mines and I have supporting documentation proving the debt is not mines. I was in contact with a detective from the sheriff 's department regarding the identity theft " XXXX XXXX XXXX ''. She told me that " XXXX '' went under a new company and that she was going to subpoena them to receive all documents regarding the matter. I haven't been able to get in contact with her but have left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I bank with chase bank and have both a personal and business checking account with them. I have applied several times for both business and personal credit cards as well as a start up loan for my XXXX however I keep getting denied for a different reason every time. My business account is actually costing me money to have and I feel taken advantage of by allowing me to open the account but never allow me access to credit like every one else gets. No matter what I do i never get an approval. I was told if I could get my credit score up I would be able to be approved but this was false

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid 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: MD

Complaint narrative:
I placed an order for a product with Best Buy on XX/XX/XXXX, using my Best Buy Credit Card for payment ( {$1200.00} ). The order was to be delivered XXXX via XXXX. The order was never delivered. Best Buy retailer was contacted via support chat on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : refuses to re-ship the order or issue a credit. XXXX tracking info indicates the order was signed for, but the signature is not my name ( and I live alone ). I considered XXXX  at fault and filed a complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called virtual BOT XX/XX/XXXX ; spoke to live rep XX/XX/XXXX ; response email to XXXX complaint received on XX/XX/XXXX ) is adamant that Best Buy retailer needs to file a claim to resolve the issue, but Best Buy retailer refuses to do so. I called Best Buy Credit Card Support on XXXX to file a dispute : they are telling me it can take 60-90 days to reach a resolution. I find this very unacceptable and frustrating b/c I suspect XXXX messed up ( either delivered to wrong address & person, or driver kept the order ) but refuses to take blame, but more importantly Best Buy retailer and Credit Card refuses to support a long-time customer and makes me feel like I am not worth the time and effort to resolve the matter promptly.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation