vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
In XXXXXXXX XXXX XXXX I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After the investigation, they say some accounts come back verified. I want to know how they came to this conclusion

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 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of 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 2023-06-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of 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 explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During XXXX I bought an ultra wide screen monitor with XXXX XXXX XXXX from XXXX XXXX. It also came with a 24 month warranty. The monitors XXXX four port was not connecting with my XXXX XXXX, so I had to take it in to get it looked at or repaired at XXXX the XXXXXXXX XXXX said that I was still in my exchange warranty. And that I needed to bring it in to see if they can repair it and if they can't repair it, they can replace it. They said that they would ship me the new one within seven days and gave me a shipping tracking number. The next day, I got an email saying that my order was canceled from XXXX XXXX. I called the XXXX XXXX store and I'm on the phone with them. They tried to issue me a store, credit or something the representative wasn't very detailed with their explanation, but they were trying to exchange it for a new one and then make a whole new brand new order and they put me on hold. I completely was unaware I forgot that I bought this with my Chase account debit card because Chase is not very customer appreciative as well as they just don't care and they said you have to fail and do not have any feelings of remorse for anyone without {$300000.00} in our savings account so I made the decision to close the acc not long after I bought this monitor. I closed the Chase account, I no longer do business with Chase at all so I did not know that they were going to try and refund my account. Otherwise I would've stopped them but they did refund or returned the original monitor and somehow or for some reason they did it by refunding it back to the bank to recharge. I don't know I was very confused and very angry why this was such a huge ordeal and why it couldn't have been done some other way, but the store manager helped me try to get it fixed said he could not get it fixed so I had to contact Chase to have them cut me a check. I tried logging into my old account and it is not even on my login page anymore. Does not say I have an account anymore so Chase has {$1700.00} of my money and has not sent it to me yet. Yes, but I was attempting to re-initiate the charge and chase shut them down so I'm just confused pretty upset. I just want my Monitor back to be honest on don't want to have to go through the process of getting a check and waiting for them to do it, but I guess I have to know I want my money back I will upload a picture of the receipts that he gave me when I went into the XXXX XXXX to talk to the manager to prove that it was refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was opened XX/XX/23 and charged {$1200.00} without my authorization. Spoke to the card company and they said they will look into it, spoke to XXXX XXXX and they have no account with my name or social.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: TN

Complaint narrative:
A fraudulent account was opened in my name. At the 1st try, on XX/XX/XXXX, XXXX, the company refused to close the account because I couldn't provide the information the theif used to create the fraudulent account ( like favorite color, or date opened ). I then involved my ID theft services. We called them on Friday, XX/XX/XXXX, on a recorded line, where they stated they found the account and would send a written confirmation on the closure to my email address. They promised I would only get 1 email confirming the account closure. Subsequently, I've
received 3 emails from them ( XXXX, XX/XX/XXXX & XX/XX/XXXX ), XXXX asking about " issues '' with my account, and 1 is a customer service survey request. 

I called them again today being concerned the account wasn't actually closed, again on a recorded line with my ID theft services. The agent refused to confirm the account was closed, claimed there were no accounts on file, refused to transfer us to a supervisor, and directed us to the FTC.

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 2023-06-12 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete all inaccurate information that needs to be deleted with Equifax. please review an remove all listed items that has caused an error on my file. my credit report is damaged with invalid information I am depending on the credit bureaus to review an delete all listed inaccurate data asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: NV

Complaint narrative:
For the past several months I have submitted documents against the credit reporting agencies Experian, XXXX, and XXXX XXXX. All I get back for a response is the Bankruptcy is valid. I never submitted documentation with my consent to fish for information to add to my credit report. I have filed charges with Nevada State Attorney General for 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 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint is to ensure that Chase Bank ensures proper handling of an initial and unauthorized recurring charge claims to my account by Lawnstarter.com. There are XXXX claims. XXXX claim is for {$23.00} debited from my account on XX/XX/26 & {$55.00} debited from my account on XXXX. On Friday, XX/XX/XXXX I inquired about lawn service for Sunday XX/XX/XXXX. On the morning of XX/XX/XXXX I called XXXX XXXX  to ask why no one came on Sunday and to advise that I was no longer interested. I was left on hold. After being left on hold I cancelled the service online on the morning of XX/XX/XXXX. Since then the XXXX XXXX company has continued to show up at my home and bill me while ignoring my service cancellation request. My lawn has been cut by my regular lawn service company. I never agreed to or signed up or signed for a XXXX minimum cut term. Nor have I ever received any terms and conditions stating such. Please see the attached email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: GA

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-12 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: GA

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, SYNCB/LOWES, has violated my rights. 

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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, someone claiming to be me called JPMorgan Chase customer service. They gave them an excuse as to why they don't have my phone or access to my email account associated with the account. They then told them all they have to verify my identity is my ( stolen ) business credit card # and XXXX #. My credit card never left my possession so this card # was compromised from a website I do business on. The bank representative gave them my login, and a new password. Within a few minutes that bad actor accessed my business account, linked my personal accounts, subscribed my email account to a spam bot engine in an attempt to inundate my mailbox with so many emails I would be unable to find that one email from Chase indicating a new login has occurred from a new IP address. 

I immediately locked down all my accounts and got rid of the new email address and cell phone # that was added to my account. I was also able to break the link between all my personal accounts and my business accounts. 

Upon investigation by Chase, they notified me a bad actor called them on XX/XX/XXXX in a failed attempt to take over my account. My account was then frozen, requiring me to visit a bank branch and show ID before it could be unfrozen. This all happened without my knowledge as not notification was ever sent to me regarding a freeze. On XX/XX/XXXX, the bad actor called again, persuaded the Chase Rep to unfreeze my account and give the person my credentials over the phone. This person now knows how much I have with Chase bank and I assure you he will either try again or hand the job off to a more senior level bad actor who knows how much work will be involved to get into my account with a nice pot of money available. I have begun the process of moving all of my money out of JPMorgan Chase Bank as a result of this latest hacking incident. It was COMPLETELY out of my control. I did nothing wrong. Chase was 100 % at fault for giving my credentials away to criminal and should be held accountable. 

This is the THIRD time my account has been hacked and I strongly believe the previous time this happened Chase did the same thing and gave someone my credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXXXXXX transferred my home loan to Nationstar Mortgage. Despite an inaccurate internal accounting, XXXX XXXX XXXXXXXX claimed XXXX late payments for their tradeline until XXXX. Upon onboarding the loan, XXXX charged me for XXXX deferred late fees due in the amount of {XXXX from XXXX XXXX  XXXX, then without notice, increased the amount to XXXX late fees in the amount of {XXXX. XXXX XXXX claimed to me through the CFPB portal, dated XX/XX/XXXX, that I owed XXXX late fees, as uploaded to my complaint to the CFPB, while he falsely claimed I had ever tried to modify my payment with XXXX XXXX XXXX and those non existent documents were outdated, as reasoning to ignore the XX/XX/XXXX XXXX Application and documents he was in fact responding to as he received them a second time by XXXX XXXX XX/XX/XXXX, XXXX months before filing a petition for XXXXXXXX against me that went wholly ignored after the filing by XXXX, and this devalued my fair cash value of the home I was trying to sell by XXXX. For years Nationstar claimed to have paid a law firm for a full suite of forclosure fees, only to accidentally disclose the charges as advances were somehow reversed and my payments to these unearned and allegedly split fees were and are still held by XXXX  in a suspense account along with {XXXX in interest payments I made that have yet to be credited to interest or refunded. XXXX  obtained XXXX  in late fees yet I owed XXXX. BUT. XXXX allocated receipt of {XXXX} in lines XXXX in their internal system and left this lie I paid for XXXX late fees for XXXX  years causing the attached inaccurate information furnishing in my credit files on a large number of occasions proven by mailed credit files, including in XXXX when claiming after the XXXX payoff I was 149 days past due on the loan in XX/XX/XXXX. Their company through counsel refuses to produce proof of services having occurred and refuses to produce cancelled checks allegedly advanced for these unearned fees, that also included two never noticed never described or disclosed force placed insurance premiums dated XX/XX/XXXX and XX/XX/XXXX, without having any reasonable basis for the charges necessity to overlap my regular homeowners policy that expired in XX/XX/XXXX. In XXXX, within a false payoff statement dated XX/XX/XXXX, XXXXXXXX over charged me {$XXXX} for unearned fees and charges and refused to issue a refund in XXXX, XXXX they paid general damages and currently can not tell me what unearned fees I was paid for, or in XXXX. XXXX XXXX XXXX  XXXX 's XXXX credit reporting of negative payments that matches 12 years of their credit reporting and two examples of XXXX XXXX inaccurate credit reporting claiming different and under payment of the actual amount paid by XXXX XXXX XXXX XXXX of {XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet debited my account after my loan was paid off under consolidation, and sent this payment unbeknown to me, to the new service provider. They claimed they had the right to do this because I had signed an automatic payment agreement with them. But my agreement was with them to make payments to. It did not authorize them taking money from my bank acct. to pay someone else. Besides they told me the automatic payment system was stopped in XXXX of this year after the loan was paid off. My bank acct was debited by them and indicated through my bank statement, on XX/XX/XXXX. If I had not checked my bank statement I would not have known because I was never informed of this taking place. When I discovered this payment was made, I called and they told me a check for the amount would be sent to reimburse me. It would take 6-8 weeks. I waited 10 weeks and after receiving nothing, I called again. First they told me I should have received it and put me on hold, then they told me the money was sent to new provider and my money would not be refunded. When asked who authorized this they said it was their policy. I hadnt even started a payment plan with new provider yet. I should have been informed by Nelnet that this was done. This is literally stealing money from my account!! How many people have they done this too without providing any information or authorization???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: 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.

The letters are stated with items and issues.

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 inform
ation 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 non-monetary relief