vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a XXXX XXXX XXXX XXXX into the United States on XX/XX/2023, I entered with my legal status on my passport. On Saturday XX/XX/2023, I was at the bank at XXXX to request please open an account the teller Director of the branch bank, told me that it was impossible to open because it takes over 45 minutes and she did not have time to open. She said the better way was to do an appointment or to come back on Monday morning. I went to the branch today XX/XX/2023 at XXXX XXXX XXXX XXXX after half an hour waiting the director ask me for my documentation. I showed her the required documentation, and she said it was not possible to open because I did not have the green card. I bring with me, my green card my social security document and evidence of the residence and she decided that my evidence on the passport as legal permanent resident was not my green card, and explained to her that my legal status is permanent resident and she decided to said, I do not know about this green card, she said I have to wait because she needed to call somebody else by phone. She started to see other clients and after been waiting almost two hours I have to leave the place, and she run after me outside of the bank and she said she will not open my account without any explanation. I believe she is a XXXX person, the ignorance of those managers who do not know how is the green card is astonishing, which seemed impossible to me I felt discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
I contacted Receivable Collection Services , LLC ( RCS ) on XX/XX/XXXX around XXXX XXXX. to obtain a copy of the latest communication that was sent to me. The latest communication* was misplaced by a family member. I requested that a copy of the communication be sent to my email and also via regular mail. The customer service representative ( csr ) stated she would send the communication. Note : To date I have not received a copy. During the conversation with the csr, she stated that RCS received an email with a lot of questions from another person ( see attached email ) and that RSC did not respond because the email was not from me. I explained that my email was not working and I sent the email using someone elses email. The csr responded that RCS could not respond to the email because RCS did not know if the email was from me.

If there was any question regarding who the email was from, RCS could have responded to the email and stated they needed proof of my identity or they could have sent me a letter requesting verification. The email ( dated XXXX  ) contained questions that I need answers to so that I can be fully informed of the validity of the debt. 
* I believe the latest communication was sent in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST HOME MORTGAGE CORPORATION
State: RI

Complaint narrative:
I requested and was approved for forbearance with First Home Mortgage starting XX/XX/XXXX until XX/XX/XXXX but they still processed a payment from of my checking account on XX/XX/XXXX. This payment caused my checking account to go negative and incur overdraft fees ; as a result of a depleted account automatic payments for my HOA fees, credit cards, and utilities payments were returned. I can supply bank statements upon your review. 

I've had multiple discussion with both their Customer Service and Loss Mitigation teams and was told that a refund will take 7-10 business days ; one month later and I've yet to receive the refund. 

Their incompetency, negligence, and/or outright refusal to resolve the issue has caused further financial hardship for me and I'm considering legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I have inquires that I do not recongize and which are not attached to an open account. I have filed an FTC report. I would these removed immediately. 
The inquires which I do not recognize are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30 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: MOHELA
State: CA

Complaint narrative:
As stated during my initial complaint on XX/XX/XXXX ( Complaint Number : XXXX ) MOHELA is engaging in fraudulent business practices, financial extortion, and fiduciary fraud. This was excellently highlighted via adjudication by the DoE via withholding of $ XXXX from MOHELA in punitive damages. 

However, upon completion of a full forensic audit and investigation, it was determined that MOHELA is also acting as a runner, capper, and / or agent for a legal firm. Specifically, MOHELA is acting as a runner, capper and / or agent for XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX This was confirmed via notarized legal documents received from XXXX XXXX XXXX on or about XX/XX/XXXX. 

This is illegal under Cal. Bus. & Prof. Code 6151 as well as CA Rule 7.3 Solicitation of Clients.

Please see attached 2015 evidence where MOHELA verbally stated to its international investors that they were intending to used bundled student loans as fiduciary assets via sweep accounts through the U.K.

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 2023-10-30 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors ; XXXX XXXX XXXX XXXX, Navient, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TX

Complaint narrative:
XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.

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 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity Theft. I have accounts opened under my name fraudulently : 1. XXXX XXXX XXXX Opened XXXX XXXX XXXX 2. XXXX XXXX XXXX Accountt # XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX Balance : {$13000.00} Please review and remove these fradulent accounts. 

Thank You!

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 2023-10-30 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: NY

Complaint narrative:
I am a victim of identity Theft. I have accounts opened under my name fraudulently : 1. XXXX XXXX XXXX Opened XXXX XXXX XXXX 2. XXXX XXXX XXXX Accountt # XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX Balance : {$13000.00} Please review and remove these fradulent accounts. 

Thank You!

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
On XX/XX/2023, my income driven repayment plan application was submitted indicating REPAYE as the repayment plan. It was not processed despite multiple attempts to contact Mohela. Mohela set my repayment amount to {$1600.00} EVERY MONTH. One of the supervisors submitted an additional request to review my case when I called in XXXX ( on XX/XX/2023 ). However, Mohela put me on the wrong repayment plan after all these months on XX/XX/2023. They put me on income-based plan instead of REPAYE ( federal government changed REPAYE to SAVE plan months ago and does not require additional paperwork for people who were on REPAYE in XXXX to be switched to SAVE ). I called Mohela several times to get this fixed and to be put on SAVE plan with no success. Additional review request was submitted on XX/XX/2023 by someone who I spoke with who said to wait 5-7 business days. It has been 2 weeks since. More phone calls with no success and here we are. It has been so many months since my application was submitted back in XXXX. Now my first payment is due and I am still not on the correct repayment plan. Please switch me from income based to SAVE. 

This is a summary and does not contain additional details like being hung up on after 3-4 hour wait time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2023, multiple charges from to the same place with the same amount were placed on my debit card with Reigions bank from Florida. I live in Mississippi and and filed a freud claim with the bank. They made me wait 3 weeks, ensuring my money would be returned in that time. When the 3 weeks was up and I heard nothing from my bank, I contacted to them to find that my claim was denied and the ban would no longer help me get my money back. They claimed there was no way to prove it was not me, however this happened in Florida while I was in Mississippi. I was never notified that the money was taken out by someone in a different state, and the bank has refused to help me any further. About {$3000.00} was taken from me with no help on getting it back.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2023 I applied for a loan and the lender pulled my credit and I was denied because of a loan that it say I already have In my name. I never took out a loan before.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I used Chase Travel to book a flight for myself, my XXXX kids and my XXXX XXXX XXXX mother from XXXX, Arizona to XXXX XXXX, CA from XXXX XXXX using a Chase Credit Card XXXX When I booked my flight, their seat selection tool allowed me to book 4 seats together, so I chose that particular flight. After I booked my flight, I was told those 4 seats cost extra. On Chase 's seat selection tool, it did not indicate extra fees. I have a screen shot showing that no extra fees for those 4 seats were disclosed on Chase 's website. The customer service rep by the name of XXXX told me I should have gone to the airline to see that those 4 seats have fees. But why would I do that if Chase 's own website seat selection tool didn't indicate any fees and showed they were available for booking? If I had to go to the airline directly, why would Chase even have seat selection tool to begin with? I then asked XXXX to cancel my flight and refund me the money. She refused, saying that those seats are non-refundable. I then asked to speak to a manager. She again refused to transfer me to a manager. I then asked her to confirm her first name, she refused to provide me with her first name, saying that it is personal information. However, she gave me her first name at the start of the call, I was just trying to confirm. How is her first name that she already disclosed at the beginning consider personal information? I finally asked her to provide me with contact information at Chase to file a formal complaint. She again refused to provide me with contact information at Chase to file a complaint, saying that she can take down the information for me. The only thing I am asking for is to cancel my flight and refund me the cost. All of this is on a recorded line between about XXXX to XXXX XXXX  on XX/XX/2023. I am only filing a complaint with CFPB because I have no other recourse, since Chase refused to provide me with contact information to file a complaint directly with them, and since the credit card used to purchase the tickets are also at Chase, I do not know if it would go anywhere to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
I am writing to complain about the debt collection practices of the National Service Bureau. On XX/XX/ at approximately XXXXXXXX XXXX, a representative from the National Service Bureau called my father, who is XXXX XXXX XXXX, and told him that they were from XXXX XXXX XXXX and that I would have my driver 's license suspended if I did not pay a debt of {$3200.00} for a car accident I was involved in, in XX/XX/XXXX XXXX 
I have already told the National Service Bureau I am not responsible for this debt. I had a car accident in Florida in XXXX of XXXX, where there was slight damage to another driver 's car. The other driver made a claim for an outrageous sum of more than {$3200.00}, which I did not agree to or consent to. I assume that they had additional unrelated work done to their car, which could be the only explanation for this. I was found not to be at fault for the accident by the state of Florida, and the case was dismissed on XX/XX/ case # XXXX, XXXX However, the National Service Bureau continued to harass me and threaten me. 
I believe that the National Service Bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : They impersonated a representative of XXXX XXXX XXXX. 
They contacted my father, a third party, about the debt without my permission. 
Disclosing a consumer 's debt to third parties without their permission is a major violation. 
They threatened to take actions they could not legally take, such as suspending my driver 's license. 
They are now Harassing and threatening myself and my father They are making false or misleading statements They continued to harass me and threaten me, even after I told them I was not responsible for the d ebt and that the claim was unjust. 
I am requesting that the Consumer Financial Protection Bureau investigate the National Service Bureau for violations of the FDCPA. I am also requesting that the Consumer Financial Protection Bureau order the National Service Bureau to cease and desist from harassing and threatening me and throwing away this outrageous and baseless claim against me. 
National Service Bureau Case # XXXXXXXX XXXX XXXX XXXX Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
on XX/XX/2023 I sent a debt validation letter to NATIONAL CREDIT SYSTEMS INC. 
They received the notice on XX/XX/2023 XXXX certified mail tracking. 
it has now been 1 month and 29 days of no proof of validation form under Federal Regulation F.

This account is reporting fraudulently due to Identity theft and is now in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I don't know how to go about fixing this problem, I currently am not able to speak due to my XXXX  XXXX XXXX. I would like to set up a plan to pay this debt off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MD

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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