vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I mailed a letter to the company on XX/XX/XXXX about the debt. 
I called the company on XX/XX/2010, XXXX, XXXX. 
I called the company in XXXX to dispute the amount. 
I sent a certified letter with evidence, payments etc that the information was incorrect, and it was signed on XX/XX/XXXX they received the informaation. 
I called the company on XX/XX/XXXX to see if the certified letter was received, with a copy of emails that were sent, checks that were mailed, etc, and they stated that it was my word against their word, and said that they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
They put a permanent freeze on my account. Ive reached out multiple times and Ive been told that after balance was paid in full they would remove any restrictions on the account and they refuse to remove them even though I did pay the account in full. I feel like I was bait and switched being told to pay off my balance so I could use the card again and I paid the balance down to XXXX and now theyre stating the account is permanently restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I purchased plane tickets through Chase Travel Rewards. The day before traveling, I realized that the name was incorrect on the ticket and wasn't my legal name. I called to change the name on my boarding pass on XX/XX/XXXX for a flight from XXXX to XXXX on XX/XX/XXXX. Chase Travel Rewards charged me the price of a new ticket, in addition to a {$50.00} name change fee. The original ticket cost me {$300.00}. The new ticket they forced me to purchase is {$630.00}. So, in order to update my name, so my ticket reflected my legal name, I had to pay a total of {$680.00}. All they were required to do was to update my record. I wasn't requesting any upgrades or anything else, just a change of name. 

This is a blatant abuse of power. If I had not changed my name on my ticket, I would not have been able to board my flight and return home. I didn't have the capacity to contest the charges at the time, because I just needed the change to be made, so that I could get home to my kid. I am writing to request a refund for the ticket that I was forced to buy, in order to get home using my correct name. 

A note : The other name Chase has me under is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TX

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.

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 2023-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased subject property on XX/XX/XXXX thru XXXX XXXX XXXX and the loan was sold to Wells Fargo. I was never late on my mortgage payments, until the collapse of the mortgage industry in XXXX. I was a XXXX XXXX and was out of a job due to the collapse of the real estate market. I obtained from Wells Fargo a Loan Modification, but they insisted on doing an ARM rate which I opposed. I accepted the loan, then switched to a better loan program based on reduced property value, which would suit me best. Wells Fargo rejected the property reduction loan. I then requested the reinstatement of the original loan, and was rejected. As a customer, I had the right to choose a better alternative. 
Wells Fargo, because of greed, was determined to foreclose on my property, despite my efforts to retain it. It's not right that they get away with their bad behavior, at others expense. I am almost XXXX yrs old, living in subsidies housing, due to their reckless actions.

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
I received a collection letter from Cawley & Bergman. After attempting over ten calls weekly, I could not speak to a live person. The recording asked to leave a name and phone number. After making a few phone calls directly to the creditor I was able to confirm that the account Cawley & Bergman states it's mine is incorrect. I have attached my communication with the original creditor. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
NELNET refuses to help out a XXXX veteran and person by contacting the department of education to HAVE ALL LATES REMOVED FROM MY DISCHARGED STUDENT LOANS!! I have reported nelnet to florida US senators XXXX and XXXX for investigation and the department of education and I demand the lates be removed from my credit report immidiately!. I was homeless, no money no income no address and no telephone you evil company!! you DID not contact the department of education to ask if the lates could be removed, instead just spewing XXXX about we tried to contact you. I was homeless and XXXX you XXXX! contact the department of education and remove the lates from XXXX from my credit report and correct it immediately, the senators have requested this from the department of education as well!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is obligated as per the FCRA to report accurate accounting. I, the consumer have repeatedly reported to Equifax approx. 8 times. XXXX is the 8th and last dispute regarding inaccurate information being reported onto my consumer credit file pertaining to the Attorney General of Texas account which is a fictitious debt being reported onto my consumer file. I have made several communications with the Attorney General XXXX Texas aka Office of the Attorney General - Child support division ( DUNS # XXXX ) hereinafter ( OAG ), which is state government acting in a divested, commercial capacity and not a sovereign capacity. I have demanded the OAG validate the debt and they simply will not. The alleged debt is arrearages in the amount of {$2200.00}, inaccurately being reported as {$2200.00}. It is without controversy that Title IV-D is a contract, see Blessing v. Freestone and 42 USC 603 ( 5 ) ( I ) ( iii ) ( III ) GRANTS TO STATES, and commercial, see U.S. v. Lewko, 269 F.3d 64, 68-69 ( 1st Cir. 2001 ). According to the court order/contract there is no such agreement or disclosure that interest/arrearages is apart of the transactions between debt collector ( OAG ) and alleged obligor. 

I have informed Equifax of these inaccuracies, provided with attachments and evidences. I have strong reason to believe that Equifax and the Attorney General of Texas are both conspiring together to violate my consumer rights. Equifax is allowing the OAG to investigate themselves, and closing my disputes as " verified '' without of proof of validation of debt. I am demanding that Equifax and OAG delete the information from my consumer file on deaf ears. I believe that Equifax is acting in a willful and negligent non-compliance of their obligations as mandated per U.S. law. 

The OAG is in violation of the FDCPA by not validating the alleged debt. They are in no capacity to collect upon a non-agreed-debt. I will also add, I have attached a letter from XXXX which agrees that " child support '' should not be reported onto consumer reports as they do not originate from credit transactions. 

Equifax is liable under the FCRA and the SEC to follow certain rules. Equifax commission file # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

I am strongly considering filing a lawsuit in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX 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 explanation
Consumer complaint received 2023-07-18 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: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/2023 Hello, I have been having issues with my Paypal account for weeks and today when I entered again a screen showed a message saying that I need to call a number ( in red ) because the account was limited. The phone was : XXXX. 

I called the number and the " employee '' asked me regular questions and somehow he ended up sending me a XXXX XXXX link to enter with me to my account. He did. He said that there was an attempt to enter to my account in Texas and California and that he needed to check information. I even entered my social security number for this reason. 

At some pint he clicked a sign that asked to accept something. I saw it was a credit line for {$1300.00}. I express I did not wanted that line of credit and the employee said that it was only for a " security process ''. 

The called ended and when I check my email I got an alert form XXXX XXXX that Paypal requested credit info for the credit line of {$1300.00}. 

I called again to the same number and It was the same person! Saying that that will erase after Paypal finish the security process. 

I ended the called saying that I will call back in two days. I wen online and called a different number for Paypal and they send me to call their fraud departament. 

I still have the {$1300.00} in my Paypal account which I never requested. I am afraid of identity fraud with this person that entered to my information by a Team Viewer. 

Thanks, XXXX. 

PS. I am adding a screen shot of the time I am writing this message and the image of Paypal with another phone number.

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 2023-07-18 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: Paypal Holdings, Inc
State: UT

Complaint narrative:
Attached please see an email just received from an unknown source claiming it is a PAYPAL service email. I DO NOT have a Pay Pal account in my name or using this email address, which is my business email address ( Utah ) This came from : XXXX XXXX XXXX XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation Application usability # XXXX XXXX XXXX ( 2 hours ago ) to me XXXX One attachment Scanned by XXXX XXXX XXXX  : Application usability # XXXX XXXX to : XXXX date : XX/XX/2023, XXXX subject : XXXX XXXX XXXX XXXX mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more It was about an order which I did not place : BILL # TO lncoice Number lnvoice Total XXXX XXXX {$2900.00} dear Member, Your payment settlement # Need # assistance? # : Dial us # 0rder # Summery # Item Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Total {$2900.00} Payment verified Your order is now in queue for shipment If you have any queries regarding your order please call our customer service line at : XXXX I DO NOT WANT A PAYPAL CARD AND HAV ENOT REQUESTED ONE PLEASE REMOVE THE INITIAL INVESTIGATION REASON TO FRAUD ALERT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A few years back someone committed fraud on my bank accts. I reported the transactions to the banks as fraud but they denied my claim and made me reliable. Because of this I can not open any major bank accounts. This is making problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
Please note, this is not a duplicate complaint, this complaint is due to the new fraud items on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, these inquiries I have never authorized : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXXXXXX. XXXX : XXXX. XXXX, XXXX. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove these fraud items from my report as soon as possible.

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 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2023, I received a cashier 's check from PNC XXXX XXXX, for XXXX to purchase a car. The check was immediately deposited in my account at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, I took a cashier 's check for the exact pay off amount for the XXXX to the car dealership. On XX/XX/XXXX, a stop payment on the cashier 's check was applied to the check from PNC and all monies were cleared from my account to cover XXXX. I never got any notification from either bank about the stop payment. I realized the application when I tried to buy a scoop of ice cream on Monday XX/XX/2023. I immediately called both banks to find out what was going on. I filed a police report bc of an employee at PNC XXXX XXXX. XXXX fraud report # XXXX. I filed a complaint with XXXX, who monitors credit union activities. I have no money in my account. According to XXXX, any money deposited will go to repay the stop payment. I want the stop payment reversed XXXX I used the money as it was intended. I should not have a total " loan payment demand '', when I purposely did not take out a loan. My account should not be held XXXXXXXX XXXX of bank errors. No one talked with me about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On or around XXXX XXXX XXXX, Chase Bank allowed an unauthorized withdraw of over {$24000.00} in different large uneven denominations from our HELOC and transfer into our various accounts which was subsequently wired out to a credit union and and unknown individual in California. This occurred in at least 7 separate transactions over two days, which we were NEVER notified of. I noticed the huge amounts of $ being depleted from our HELOC and immediately reported this to stop the bleeding. 
I reported to the XXXX XXXX XXXX XXXX office and the FBI and the Ohio Attorney Generals office. Chase has been no help in recovering the funds stolen from our HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: NY

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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