vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: IA

Complaint narrative:
My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
PARAGON REVENUE GROUP called me and I ended up calling them back. They told me that I owed a medical bill. I asked for proof and nothing was ever sent. this is my second time on here filing a complaint. There are XXXX  debts XXXX XXXXor XXXX and some odd dollars and XXXX for XXXX. They keep calling me and will not show proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY 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 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 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard inquiries. 

CREDITOR / DATE OF INQUIRY 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 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 2023-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Upon reciept of actual notice of intent to defraud the United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I sent an email XX/XX/XXXX XXXX AM, Chase Accessibility from " secure online messaging '', subjectAccommodation assistance, informing JP Morgan Chase as a medical necessity, " after an ongoing media intrusion, and threats to personal safety from obstruction of access to personal property at XXXX XXXX, established the need for any available accommodations to keep the account open for deposits from the United States Department of Treasury, until the issue of XXXX XXXX XXXXXXXX employees maintaining a record of intentional fraud on the federal government has been resolved to correct my past due benefit amounts in default since XXXX of XXXX '' Denying fraud alerts as would be available to persons without need for XXXX accomodations, JP Morgan Chase responded XX/XX/XXXX XXXX XXXX, from Chase Accessibility, subject : We received your accessibility assistance message, clearly showing bias against the consumer in a statement that reads, Based on our review of your messages, we understand that you are currently disputing activity from the Social Security XXXX. We recommend you work with them directly to resolve any disputes relating to Social Security XXXX. 

However, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, " Nothing in this section shall require a person with a XXXX to engage in a futile gesture if such person has actual notice that a person or organization covered by this subchapter does not intend to comply with its provisions. '' Therefore, if an underpayment is egregiously neglected, but evidence submitted to the bank established a claim due an eligible survivor, the money would be paid immediately but the Department of Treasury would not reimburse XXXX based on evidence provided to the bank showing intentional delays. JP Morgan is requested to suspend the checking account in question until further notice of action from the claimant, with a return of remaining balance adjusted to meet claimant dire needs pending forgery determination awarding a new decision on underpayments paid against the agency false records without delay. 

JP Morgan Chase has thus far exploited the conflict of interest by refusing my written requests on multiple trading days across several public markets, allowed media companies to use a separate credit account for fraudulent transactions causing a cumulative financial injury, and coerced the complainant to stipulate all communication through phone calls with an XXXX XXXX unwilling to document the procedural history of fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past two years, I've been in a constant battle with identity theft. When I applied for the XXXX unemployment, I figured I didn't qualify because I never received anything in the mail and for some reason my XXXX sign in wasn't working. 

I really didn't pay it no mind until I read an article about how XXXX XXXX was still paying out people who didn't receive their XXXX  during covid-19 and that it was possible that some people could qualify. I went to sign into my account and it was still locked out. Luckily I knew some of the questions that only I could remember but I had a hard time figuring those out as well. After the third try, I finally was given access to my account. The first thing I did was a change of address since I moved. When I started looking through my profile I was able to see claims of which I didn't file. I never received a debit card. Funds were being issued during the pua/ covid-19 season and I was having a hard time finding a job and could have used those funds to get by. 
I reached out to Bank Of America XXXX  in late XXXX and told them that I never received any XXXX payments because i never got a statement or a debit card for that matter. I made XXXX claim disputes XXXX claim # XXXX in the amount of {$3100.00} XXXX claim # XXXX in the amount of {$11000.00} XXXX claim # XXXX in the amount of {$590.00} XXXX claim # XXXX in the amount of XXXX I received letters from Bank of America on XX/XX/2022 denying all my claim disputes. 
How is that if I never got a debit card to begin with? I asked for Bank of America to send me their reason and proof for their decision. I haven't received nothing yet. 
It's clear that I was a victim of a nation wide scam and for some reason BofA makes people feel like they are at fault or the criminal. That's not fair to the consumers who have been targeted and taken advantage of. BofA has a XXXX liability policy for debit card users. Well I never received a debit card until 2 weeks ago and I'm still being punished. I just want what is owed to my daughter and It's with me being a Widowed parent.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
I need assistance to resolve my request regarding excess escrow funds for a paid mortgage. 

I have requested PNC to reissue a check in the amount of {$960.00} payable to XXXX XXXX replacing the original check issue/payable to XXXX XXXX XXXX borrower who is now deceased ) I have had multiple interactions with customer facing customer service staff and have ultimately been unsuccessful in escalating the matter to a manager/officer to review my request and resolve the issue. Of note, I did have one exchange on XXXX with a customer service XXXX who identified herself as XXXX ( sic? ) who reviewed the matter with another XXXX and told me PNC would override their system and a check payable to me would be issued. When I followed up on the status of the check on XX/XX/XXXX I was told by Customer Service and Escalation reps that I first needed to complete the Successor in Interest requirements before they could assist me with any confirmation/information. 

I am trapped in PNC 's process/procedure to establish me as a XXXX in XXXX before reviewing my request. According to multiple form letters, PNC states : " A successor in interest is an individual who receives an ownership interest in a property securing a PNC mortgage ... '' PNC no longer has any interest in this property. The mortgage is PAID IN FULL. 

I have submitted multiple documents establishing the death of my mother ( the borrower ), my joint ownership of the property since its purchase, my role as her son and joint owner of all her assets ( property, bank accounts ), and transactional documents supporting payoff of the loan. 

My request has not been resolved and PNC has closed the ( wrong ) request as of XX/XX/XXXX due to incomplete information to determine my " Successor in Interest Request ''. 

The particulars of this matter and all documentation and email communications provided by me are with PNC : Mortgage loan number XXXX PNC customer service case number : XXXX I appreciate a review by PNC and resolution I this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. My loan servicer within the recent years has been transferred from XXXX  to XXXX to Aidvantage and have never been notified of any transfers. I was told from Aidvantage that my loan info would update in their system in mid XXXX so I can inquire about why its taking so long for the refund. I called around XX/XX/2022 and no one has an update for me and I have since seen no refund or movement on my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I want to make complain about JP Morgan Chase bank. I received a late payment fee for not making payment on time back in XX/XX/XXXX. My due date was on XX/XX/XXXX which was a XXXX. The next following day was XXXX XXXX so the branch was closed because its XXXX XXXX  So the first following business day was XX/XX/XXXX. I did make my payment at a branch on the XX/XX/XXXX, XXXX. 

According to the Credit Card Accountability Responsibility and Disclosure Act of XXXX, the payment due date should be extended to the next following business date if the due date is on holiday or weekend. In my case, I wasnt able to make payment over the phone or online. 
Because I had to made payment by using a physical check from another person. I must deposit the check at branch. However, the branch did not open on both day of XXXX and XXXX. 

I tried several times to talk to customer service agent at Chase. But all of them insisted that Chase bank do not have grace period ; payment must be made on or before the due date regardless whether the due dates fall on weekends or holidays. This is contradicted with credit CARD Act of XXXX. I dont care about if they will refund me the late fee, but this is about whether the corporation is practicing their business under the Law and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good Afternoon, I hope your day is going well. I am submitting this Complaint to inform CFPB that I have been a victim of an Investment Fraud Scheme and would like to File an Official Complaint on this Broker with your Organization. On XX/XX/XXXX, I connected with a XXXX XXXX XXXX by checking the XXXX. The XXXX name is XXXX XXXX XXXX. Her CRD # is XXXX. XXXX provided information that she is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and their CRD # is XXXX. Also, licensed as an Investment Advisor with XXXX Personal and Workplace AdvisorsXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX and their CRD # is XXXX. She has a XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX and I started conversing through XXXX XXXX. Her XXXX XXXX contact number is XXXX. Her email address is XXXX. We started conversing on XX/XX/XXXX up until XX/XX/XXXX. She sent me an XXXX XXXX. She stated that she trades for clients and takes XXXX percent of the profits she makes for her clients and clients can take their profits at any given time or she would advise re-invest. She advised me to set up a XXXX account. I had never used XXXX  or ever did any kind of Investing. Therefore, when it came time for me to take the profits, she informed me of another party that needed funds in order to get the profits. I have been de-frauded out of a total of {$110000.00} which is all of my savings. I havent been able to eat nor sleep since my last communication with her on the XXXX XXXX on XX/XX/XXXX. I have all documentation that was involved with this broker. Please see below in reference to the breakdown of the monetary values involved. I have my bank JP Morgan Chase involved in investigating the Scam as well. Please help to stop this broker from taking advantage of others now and in the future. PleasePlease.Please. I look forward to speaking with someone soon in reference to this issue. 
XXXX $ XXXX XXXX $ XXXX Transfer XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX Also, as an FYIplease note that this Broker is still at these games. On XX/XX/XXXX @ XXXX XXXX  and because she has blocked me from contacting her through the XXXX XXXX. I had my son contact her acting like he wants to be a potential client and she responded to him. PLEASE HELP!!!! 

I reached out to XXXX XXXX XXXX XXXX and their Employee Relations Fraud Division returned my call on XX/XX/XXXX to Confirm that XXXX XXXX XXXX is an Active Employee as a Licensed Broker with XXXX XXXX XXXX XXXX but they were aware that a Fraudster was Impersonating XXXX XXXX XXXX. She stated that I was not the first person that this XXXX has done this too and they are aware of this Issue. 

As a Consumer, I would like to see that the XXXX  Website will include some kind of Alert that someone is impersonating this Broker as XXXX XXXX XXXX and to be Warned of a Potential Scam Alert. 

Sincerely, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: MO

Complaint narrative:
I joined XXXX XXXX once I moved to the XXXX XXXX XXXX in XXXX. I do not have a contract. I am not required to keep the account. I missed my XX/XX/XXXX payment and was blocked from entering the gym. I was going to make the payment but XXXX XXXX is charging me for the month of XXXX. I have not visited this club in over a month. I asked to pay what I owe and resume from there but I was told even though I can not access the club my account remains active and the billing continues for a facilty I can not use. These people relentless call, text and email me multiple times a day. I signed up with a promotion that exempts me from signing a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
In XX/XX/2022, CFPB helped me get a letter from my student loan servicer MOHELA ( XXXX XXXX ). This First Letter accurately stated that I was eligible for XXXX and the XXXX waiver. 

Outrageously, shortly after my CFPB complaint was closed I received a second letter from MOHELA stating the opposite ( Second Letter ). The XXXX XXXX states I am not eligible for XXXX. 

To resolve this I uploaded the First Letter to my MOHELA account as well as another XXXX eligibility form. I also sent messages to MOHELA asking for them to resolve the inconsistency by adding confirmation to my account that my student loans were sent to XXXX for forgiveness. 

MOHELA has not given me any response since the two letters in XX/XX/2022. 

MOHELA should update my MOHELA account with a letter confirming they forwarded my student loans to XXXX for forgiveness because I am eligible for both PSLF and the waiver with OVER XXXX eligible payments. 

My employment remains the same and in public service, We have no changes other than additional on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I filed a dispute with Paypal for unauthorized transaction on because my card was stolen. I was told I would hear back from them within 9 days. Later I was told that the dispute was closed in my favor. I never received the funds for the dispute, and I also requested credits. I called Paypal XX/XX/22 and they transferred me around for almost 2 hrs and then proceeded to hang up on me without solving my issue or crediting me. Paypal has not followed the billing error procedures. If Paypal can not make this right I want the pursue arbitration for breach of contract and breach of warranty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
In XXXX of XXXX our business discovered that we had been charged {$200.00} for XXXX XXXX XXXX. After looking into this, we have been paying a merchant processing fee to this company since XXXX of XXXX. We have a XXXX  store and have used square credit card processing since the first day. We have never received a processing terminal from them nor used their services. After calling and spending many many hours on the phone we have heard varying things from Peoples United Billing Services. One representative has stated that clearly this account was supposed to have been closed in XXXX of XXXX and we should receive a full refund as we have never used any of their services. They are alleging we signed some sort of contract which they are unable to provide. M & T Bank has now acquired Peoples United Bank and they are telling us that " fraud reporting '' can only go back 90 days. The total is {$2900.00} They are refusing to provide a contract because there never WAS a contract and this is fraudulent activity. We have little recourse because the company that is dealing with this issue OWNS the processing company

Company response to consumer: Closed with monetary relief