vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through XXXX which is connected to my Chase bank account. I sent four separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using XXXX through Chase. Two weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I immediately contacted Chase and spoke to two reps including a supervisor. The first rep said they will file a claim with XXXX which they claimed they would submit, however both the first rep and supervisor said they can not do anything else and will not return the funds to my account since I authorized the payments through XXXX ( despite having used the service via Chase ) and had no recovery rights and referred me back to XXXX. I was then directed from XXXX back to Chase 's fraud department and spoke to a third rep who took all of the information I had to give and directed me to consumer protection, who referred me back to the fraud department. The fifth rep I spoke to then said they would be sending my claim to XXXX on the next business day reiterating that's all they could do. Less than 24 hours later I received a notice from Chase stating no action would be taken and they closed my claim. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Chase has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations by refusing to take responsibility and blame the " third party service '' they directly promote and make available. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-04-05 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : 1313 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 non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
My old XXXX XXXX were sealed in a court of law however some companies still have old records and release them without permission I have reached out to companies and asked to have my information removed from there data base but I just ran my XXXX report and my old court records came up I have also asked XXXX to remove these as well but yet has not happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Lost over XXXX on Venmo due to my card and phone being used and they wont allow me access to my account for provisional credits or any dispute resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all 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 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 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 2023-04-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has all 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 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 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 2023-04-05 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: PA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2023-04-05 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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Title 15 Chapter 41 Subchapter III : ( 15 USC 1681b ( 4 ) ) Permissible purpose. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
I look forward to your response.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: IL

Complaint narrative:
My card was declined twice my came merchant do to they enter the wrong zip code. Totaling {$320.00} well XXXX took it out of my account an has a hold on it an merchant has sent multiple emails N IV emailed multiple times an get jow where but told the merchant has a hold an just talking to a robot. I just want my money back

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have tried to explain this with Midland collection about this account that does not belong to me. I explain to him to the company that I did not authorize it and I have a fraudulent alert on my account. I have a file with the credit bureau in reference to the original company XXXX XXXX XXXX they took out the inquiry off my account and because it was fraudulent and not authorized but they refused to take off the Midland credit collection agency, who is seeking to get money from me That I did not authorize I have written letters and inform them, and they still refuse to remove it from credit report. I asked him to provide me with a signature of where I established a credit relationship with XXXX XXXX XXXX, or a XXXX XXXX credit card. they deleted the inquiry because it was fraudulent, but not the collection because XXXX XXXX insist on me paying money for a fraud They refused to send any proof of my signature or anything else to prove it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I received a call from XXXX saying that I was being sued and they needed to know what time I would be home to serve me the documents. I asked what company was suing me and the name of the civil case server agency was Quantum. Phone # XXXX. I called to find out what I am being sued for and it was for an old credit card that was sold to them to collect on the debt. I did not receive any letter that they now are the collection agency for this debt. Quantum had all of my personal information, I did not tell them my personal information. Quantum rep said that they are suing me because the law states that they can collect on the debt from the last payment received in 10 years. The statute to collect credit card debt in Nevada is 3-6 years. I call the credit card company and I was told that my account was sold to XXXX XXXX XXXX in XX/XX/XXXX. The last payment received was in XXXX. I called XXXX XXXX XXXX and I was told they are not trying to recover the debt, sue me or take legal action. The XXXX debt service rep told me that they did not sell my file to Quantum. Quantum told me that they are suing me and would not disclose any information because they said I will find out in court the information they have about me to sue me. Then I called Quantum again and the rep said they have not filed to sue me until I am served documentation, even though they told me they already filed to sue me. Both credit card and collection agencies told me they did not sell my information or sell my information to Quantum or anyone else.

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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-05 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: 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. 

Account name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-04-05 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. 

Account name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, XXXX had misapplied payments, not applied payments, not calculated basic accounting practices, and not corrected loan accounting errors when notified. Select Portfolio Servicing XXXX XXXX has predatory loan practices, mortgage abuse, negligent behavior, fraudulent practices, and XXXX behavior. These predatory, abusive, fraudulent and XXXX practices are used to bully people into excessive and higher servicing fees, legal fees, and interest rate costs. See attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was told by Hunter Warfield that I have a debt owed of {$9100.00} on XX/XX/XXXX. 
I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8, all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and I'm being forced into involuntary servitude for financial gain. They willfully deprive me of my rights and privileges, and they have used coercion to pull me away from financial freedom. Also, the use of extortion to have me pay a debt a have provided the remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: MI

Complaint narrative:
In early XXXX I discovered that my identity had been stolen by a XXXX XXXX in XXXX, XXXX. I looked at my Moneylion bank account, among my other accounts, and discovered that {$990.00} in unauthorized transactions had been made. On XX/XX/XXXX I informed Moneylion of the charges and issued a dispute as well as filing a complaint with the FTC. On XX/XX/XXXX Moneylion closed my account citing DDA, refused to issue any refund for the charges, and refused to send me any copies of my monthly statements that I require for tax and welfare purposes and do not have as they were only kept digitally. I have sent a dispute letter to Moneylion as of XX/XX/23 and they have signed for it and recieved it.

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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALAMEDA MORTGAGE CORPORATION
State: CA

Complaint narrative:
Please explain why you needed me to provide blank leases off the internet and just sign then during the formation of the mortgage XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
Completed grant application in XXXX from PAHFA # XXXX, requested help resulting from Covid Hardship, fell behind in making payments. After several months of paperwork and waiting in process, was awarded the grant/ {$7900.00} received documentation via email of the amount that would help to bring account current/ assist during this hardship. Had to sign receipt of grant acceptance notification of amount /along with XXXX  . Grant funds awarded would be sent directly to Mortgage company in amount {$560.00} monthly and has up until recent months. PAHFA has not communicated as to why payments has not been sent from the grant that i was awarded for XXXX XXXX, just stopped according to Mortgage company sending grant payments. Mortgage company claim they don't have any communication from PAHFA of termination nor have i received any communication from PAHFA other than system migrating when I called had no other information nor help, told to email PAHFA, tried emailing unsuccessful in attempts. Meanwhile, I just received a default notice from XXXX about my home status being in trouble, when grant funds awarded is in positive balance. I am at loss as to what is going on, can get no understanding from XXXX PAHFA can't email nor communicate with team that can help with this problem. Please help [

Company response to consumer: Closed with explanation