vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 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: CA

Complaint narrative:
On Sunday ( XX/XX/22 ) I was eating breakfast with my family when I decided to check my online banking, I come to a surprise that I am missing {$990.00} from my savings account. After inspecting my transactions I see an unauthorized transaction for the amount of {$990.00} transferred to an external account. I started freaking out and immediately called the Jp Morgan Chase fraud Department and it turned out that they only opened Monday-Friday. The next day Monday ( XX/XX/22 ) early in the morning I call the Chase fraud department right before work and file a claim, after going through the process of filling a claim I was told that I should be credited with my money within 3-7 business days while the claim is being under investigation. On XX/XX/22 I was credited the {$990.00} as told and I felt so relieved and content. I thought this nightmare was over but noooooo, almost 2 and half weeks later on Thursday XX/XX/22 I decided to check my online banking and see that chase bank has taken my money back because they reversed the claim. I call them once again early in the morning on Friday XX/XX/22 and ask what was going on, well the Chase Bank team came to a conclusion that It was not a fraud because after checking all of my transfer history, they saw all transfers had the exact same IP address, that meant that the transfer was done from my device. I was freaking out and told them it wasnt me, I told them I didnt recognize the account number that the money was going to and that I did not authorize this. They apologized and told me there was nothing to do, I once again say it wasnt me and how I could get my money back. They gave me a fax number and told me to send prove that it wasnt me authorizing the transfer and that this was the only way the claim could be reopened and reevaluated to be able to get my money back. I felt very unprotected, furious, and scared. I felt like I was in a movie because it seemed like whoever did this, had perfectly executed this, because their not giving me my money back and the crooks are keeping it all. I then started some research and saw some articles and videos of victims going through what Im going through right now. I am seeking help to get my money back, because this is a fraud, I dont know how these crooks did this but I am sure not going to let my money disappear from one minute to another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
XXXX XXXXXXXX is attempting to collect a debt because they did not turn the electric service off when I left the area.The amount is $ XXXX.I never have seen a bill or had an electric bill that big.I am disputing it.MRS Associates is the collector I also see MRS-BPO whatever that means.Ive never had an electric bill for this amount and it is impossible to get the bill that high because it would have been cut off before it could get that high.XXXX XXXX should have stopped service way before the bill was this much as I was not using the service at all.So this debt is because of terrible customer service from XXXX XXXXXXXX by not shutting off the electric service in a proper time frame when the residence was unoccupied.Nobody would shut the electric service off from XXXX XXXXXXXX on time or there would not be a {$1200.00} electric bill. I dont know what address this took place at nor have I ever received a bill for that amount anywhere in my life and Ive never had an electric bill that high in any place Ive lived.This could be another result of bad business practices by XXXX trying to make it harder for me.Im not sure where this electric bill was accumulated at all.The last date I see is XXXX of XXXX and I have been living in XXXX  since XXXX so theres no way I had XXXX  XXXX electric services in XX/XX/XXXX .My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.I have been here for XXXX years now.I never had electric service with XXXX  XXXX in the amount of {$1200.00} Please correct this on my credit report as soon as possible.The only way this bill could have happened is by someone using my name for an electrical service account with XXXX  XXXX while I was unaware and or used electric service for an extended period of time in an unoccupied dwelling somewhere after service was supposed to be shut off.I am a XXXX person on fixed income so my electric was cheap n I had assistance with my bill.This is not my electric bill debt with XXXX  XXXX period.XXXX XXXX would never allow me to go that many months without payment n keep service on until the bill was {$1200.00} Please remove this debt from my credit report as it is false information I am not responsible for.The collector doesnt provide any address for the outstanding bill and Ive never received a bill that big in my life.Especially when I had assistance to pay for electric service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
Homeowners Protection Act ( HPA ) provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation. 

I have reached out to the lender multiple times in writing asking for guidance on cancelling my PMI on my mortgage. The values of properties have gone up significantly and I have made improvements on my home significantly increasing the value of the property. I have well over 20 % equity in the property and the lender will not respond to my request for cancellation of mortgage insurance or request/order an appraisal or PMO to cancel the PMO. 

The lender states in their communication with me that significant remodel such as a kitchen or bathroom qualify for re-evaluation of LTV. Upon contacting the correct dept. about this matter I continually get responses saying " Please wait 30 days for a response '' The lender is ignoring my attempts to re-evaluate my LTV and remove my PMI from the mortgage. My LTV is currently in less than 75 % and still m lender has not responded to my request. 

At this point I expect back payments ( reimbursement ) for Private mortgage insurance that should have been previously removed when my value exceeded the threshold of 75 % legally requiring the cancellation of PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX  XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onXXXX XXXX XXXX. I check my account on the XX/XX/XXXX 0 dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with XXXX and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.

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 2022-04-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The original amount I owed was XXXX then macys sent a report to the credit company stating I owed them XXXX they charged me an extra XXXX Ive paid a total of the amount I owed now they keep raising the fee even though they closed the account in XXXX they are still charging me on a closed account that Ive already paid in full

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 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PNC Bank N.A.
State: TX

Complaint narrative:
They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: FL

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. 

XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX colle Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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

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 2022-04-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX  violated my federally protected consumer rights and used my identity and fraudulently opened this account and reported this derogatory account to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting ; 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX XXXX, nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights pursuant to 15 USC 1692c ( b ). I've also disputed this account with the credit reporting agencies, and it was found to be accurate by XXXX XXXX. I've requested proof of validation and XXXX XXXX provided information of another consumer who is not myself. I advised XXXX XXXX XXXX, and all credit reporting agencies of the matter and I have not received a response. I have also reported XXXX XXXX to the Federal Trade Commission office and the United States Postal Service Criminal Investigations Department for using the United Postal service to commit Racketeering and organized crime towards me. Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8 and considering that I've been violated of my rights numerous of times, I demand that you immediately delete and block this collection account from my credit report INDEFINITELY! I have also reached out to my local attorney general and will be seeking damages in amount of {$1000.00} per violation under the Fair Credit Reporting Act in addition to pain and suffering from this heinous crime.

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 2022-04-23 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: IN

Complaint narrative:
In accordance to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXX # XXXX. On my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: IN

Complaint narrative:
In accordance to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXXXXXX # XXXX. On my credit file.

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 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I received a statement in the mail from credit management saying they need to collect a XXXX $ claim for XXXX XXXX XXXX XXXX as of XX/XX/22. I have never heard of this company not ever even been to XXXX fl. Ive been in the hospital XXXX XXXX Florida XXXX XXXX XXXX as was XXXX  months before XXXX XXXX XXXX due to serious XXXX. I XXXX and did some research and apparently this is a fraudulent company destroying people credit and I just know it better not touch mine. Feel free to contact me at XXXX XXXX XXXX at XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accourdance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX 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 2022-04-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, 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 1681 section 602 A. Also states a consumer reporting agency can not furnish an account without my written instruction

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian have a thats showing closed but still is reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I originally obtained the student loan with sallie mae from XXXX to XXXX. I call myself consolidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$19000.00} with an 4 % interest rate, and the {$19000.00} had got to be that high because I could not keep up with the payments and needed forbearances. My original loan was only {$10000.00}. I didn't know that the {$1000.00} loan of 8 % would bring my {$19000.00} loan of 4 % would be combined and rise to the highest 8 %. I was under the impression that it would come down to the 4 % or at least close to it, but the total loan shot up to the 8 %. That caused me to have a {$20000.00} loan with an 8 % interest rate. I was not told it would go up the highest 8 % loan. I filed a complaint with you all on sallie mae stating that sallie mae should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. Sallie mae only transferred or sold my loans to Navient. Now Navient is the loan company who is only resulting in me struggling to make almost {$400.00} per month payment for an original {$10000.00} loan and ruining my credit because my loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it. Also, I tried to take advantage of the presidential deferment offered by the federal government due to the COVID-19 pandemic but i was not able to do but a few months, and the Federal government said that we had until the end of XXXX. But Navient was having me to re-apply for deferment on a MONTHLY basis, and on top of that charging me deferment interest which I thought the federal government said that no deferment was to be charged. Now the federal government has extended the COVID-19 student loans until the middle of XXXX, but I am still struggling to make XXXX XXXX monthly payments and if I ask for a deferment I would have do it on a monthly basis. I got FEDERAL STUDENT LOANS when I borrowed them and not private loans so I should be given the same chance to have my FEDERAL STUDENT LOANS deferred without interest charged and not a monthly basis with interest charged. I also should be granted a payment reduction due to not being lawfully and rightfully informed that my payments would skyrocket if I combine my {$1000.00} ( with 4 % interest ) student loan with my {$19000.00} student loan ( with the 8 % interest ) and not have them both shoot up to 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are several unauthorized inquiries on my credit report that have not been authorized by me. This is a state of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23 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: PA

Complaint narrative:
In accourdance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation