vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I tried to use my Chase Business Ink credit card on XX/XX/2022 at XXXX XXXX and the card was declined. There is nothing due on my account & the balance is {$1500.00} with total credit line {$10000.00}. I did not receive a text, email, or account alert about why my card was declined. I tried to use the card again on XX/XX/2022 at XXXX XXXX and it was declined again, same thing no alerts sent to me as to why my card was declined. 

I called Chase Business today XX/XX/2022 was told by the fraud department the purchase was thought to be fraudulent on the XXXX and so they froze my account after the XXXX XXXX attempt to purchase. They told me they do not handle notifications & transferred me to Customer Service department because they thought it was my alerts that were not set up. My email & phone number were already added to the account so no one could figure out what was wrong & why I didn't receive an alert. Customer Service tells me it's the Fraud Department. I get transferred 7 different times between the 2 departments/supervisors. I finally get someone from both sides on the line at the same time and they finally admit they DO NOT have an alert for fraudulent activity. 

I would have NEVER chosen a credit card & opened up an inquiry on my credit report as a new business for a company that does not have fraudulent alerts sent out!! This is literally INSANE that in 2022, one of the most important notification alerts about potential fraudulent activities are not available from Chase to their customers. The rep from the fraud department said that each time it gets declined, I will need to call Chase.. so as a business owner, they want them to roll the dice and see if a charge will go through based on Chase every single time??? Having nothing to do with the actual account credit limit or past due payments? 

I need to know what can be done about this as now I have an open account with a company who fails to notify their customers about fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
Loan was sold and LoanCare became servicer in XX/XX/XXXX. I had completed a loan modification with XXXX mortgage prior to transfer of loan. Initially LoanCare claimed not to have received my modification papers. After LoanCare claimed they were unable to obtain information from XXXX I bypassed LoanCare and got copies of executed docs from XXXX myself and sent to LoanCare. Next LoanCare sent us new papers to sign that increased our rate. After much time I finally was able to show we had already completed the process with XXXX and our rate was already locked in. LoanCare has still NOT updated our records and fixed our account after 11 months. We are receiving statements saying we are over {$12000.00} past due and no payments have been received since XXXX. We have made payments for every month this year XXXX. Continuous calling, talking to various supervisors etc. has not affected an update and correction of our account. Calls are never returned even after being told we would be contacted. Its been 11 months with an enormous about of time spent to no avail.

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 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX. 
I sent notice to court with intent to defend, on the court date Midlands  attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX. 
Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement. 
Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland  Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland  Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Originally called Nelnet on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during XXXX on XX/XX/2022. 

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then.

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted. 

Just over a month from my initial complaint filed with cfpb and unfortunately nothing has changed. 

Called XX/XX/2022 and again was told all of my paperwork is accurate, but they dont know why it is taking so long. 

Called on XX/XX/2022 and the customer service agent was able to confirm again that all my paperwork was filled, but my application has not been processed any further. At this time, she stated that my loan would go from the initial 4-6 weeks to 12-15 weeks.

Feel as if I am just receiving the run around from Nelnet, always receiving varying answers with each separate call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a request over the telephone to get a refund on my payments made during Covid. I was told the total amount I would get and it would take six weeks for a refund. 

On XX/XX/2022 I called backend and they said it was still in processing and it would take 10-12 weeks from the request. 

On XX/XX/2022 I called back and they said it hasnt been processed and that I need to continue to wait and that it will be another 8 weeks from the the time it was approved. They can not say why it hasnt been process or when it would be processed even though I requested back on XX/XX/XXXX. 

Doing research it appears there have been plenty of people to get their refund who have applied on or after XX/XX/XXXX through the same servicer. 

This servicer is acting in a deceptive manner. We have given them ample time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. 

Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. 

The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 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: LEXISNEXIS
State: CO

Complaint narrative:
I received a letter from LexisNexis Risk Solutions, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX. She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that XXXX made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked XXXX and XXXX According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I XXXX  the company again and learned that the XXXX  gives them a D-. I called the XXXX and they advised me what to do to address identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
I purchased a car from XXXX XXXX XXXX. XXXX XXXX later my XXXX XXXX. I voluntarily repossessed the car back to XXXX XXXX. We negotiated a settlement of XXXX. This was paid in full. At that point this account should've been closed. I was shocked to see it was ruining my credit. XXXX I add the car had under XXXX put on it total and was returned in the same condition as when purchased. All this occurred in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
THIS COMPANY PUT A COLLECTION ACCOUNT ON MY CREDIT FILE ON ALL 3 BUREAUS AND DIDN'T INFORMED ME OR GIVE ME OPPROTUNITY TO DIPUTE BEFORE REPORTING. LIKE WHAT HAPPEN TO THE COMMUNICATIONS NEVER RECEIVED ANYTHING AND MESSED UP MY CREDIT SCORE. i WANT TO SEE DOCUMENTS AND PAPERWORK SHOWING i OPENED A ACCOUNT WITH THIS COMPANY SHOW EVERYTHING GC SERVICES Original creditor : XXXX XXXX XXXX XXXX Balance {$470.00} Balance updated XX/XX/2022 Original balance {$470.00} Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was never aware that I had a Bank of America credit card until I signed up for XXXX. 

On XX/XX/21, I called Bank of America to verify that I did not have any opened account with them. Bank of America confirmed that they can not find any of my information in the system because I " never opened an account with the institution. '' I immediately filed an online dispute with XXXX. However, the results showed that Bank of America " reported the information has certified to XXXX that the information is accurate. '' Therefore, the account remained open on my credit report. 

On XX/XX/21, I filed another dispute. The representative helped with personal information update. I noticed an unfamiliar phone number " XXXX. '' The phone number was removed along with the Bank of America account. However, I'm still seeing the account as open on my credit report until this date. The account also shows a highest balance of {$1600.00}.

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 2022-11-09 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: ID

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 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 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 an 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 non-monetary relief
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-11-09 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: CA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX Funding, XXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
I have two unverified accounts that I have already filed a dispute with directly to the credit bureaus and I never received a response back the properly address the issues. The accounts in question XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX I have no records of any type of business. I firmly believe this is also a HIPPA violation as well as a violation of the FDCPA 809. Validation of debts their nonresponse is a little confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
I have two unverified accounts that I have already filed a dispute with directly to the credit bureaus and I never received a response back the properly address the issues. The accounts in question XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX I have no records of any type of business. I firmly believe this is also a HIPPA violation as well as a violation of the FDCPA 809. Validation of debts their nonresponse is a little confusing.

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