vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to deposit XXXX checks that my parents had gifted to me, but the payees were listed as my parents and we did not endorse the checks correctly by mistake. Chase bank then restricted my checking account. Ive called the fraud department and they said the solution was to verify my parents identities through their phone lines. I gave them the correct numbers but they havent been able to establish a connection between me and my parents. My parents have offered to send in a verification letter, provide their social security numbers, come into a Chase branch in person. All these solutions have been denied. The payer of the checks have been contacted and they confirmed that the funds have been taken out of on their end. I can not access any of my funds and my account has been scheduled to close permanently in 10 days. Chase is providing no further solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
On XX/XX/2023 a deposit had cleared and was available by the Treasury dept for back pay for XXXX benefits. Amount was XXXX. The bank felt there was a mistake and restricted my entire account. I attempted to transfer online to another institution it processed the bank manager stopped it. The ATM declined my request to withdraw and the bank refused to allow me to withdraw from my account. They said they wanted proof that the money was mine and not fraud or a mistake made by the Treasury. On XX/XX/XXXX I returned with proof from the social security office confirming that the deposit was for me. The account was then released to withdraw. But because they discriminated against me by believing that someone like me could not have that amount of money. They have always been rude and shaming. They had no reason to question that deposit directly made from the government and then to withhold not only the amount of the deposit but froze my entire account.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
I was a authorized user on a XXXX XXXX  card with my wife she has recently passed away The collection company that XXXX XXXX has sold the debt is in many violations of the FDCA according to 15 usc 1692G they have been non stop harassing with calls and letters without any valid proof this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
On XX/XX/XXXX, I got a flurry of notifications on my phone from the Current banking app saying I successfully created a virtual card ending in XXXX, money had successfully been transferred to XXXX and XXXX from XXXX and XXXX, and that I had made a bunch of ~ {$100.00} purchases at a XXXX in Florida. 

All of this was confusing to me because I hadnt logged into the app since the evening before ( XX/XX/XXXX ) to pay my {$2100.00} rent and another $ XXXX-ish for some credit card payments. 

I tried to tap the notifications to login to the app and was locked out. I emailed XXXX. XXXX told me that no account was associated with my phone number and asked do I remember the email and phone number I signed up with. I told him this. He never replied. 

I had to call Current several times on XX/XX/XXXX to even get assistance. I wasnt receiving codes to my phone for a few minutes and restarted my phone and XXXX. I couldnt access my account until I had my wife try to enter my credential on her phone. 

My checking account which had around {$2400.00} in it the night before was at around - {$73.00}. My savings accounts has been cleared. Two random teen accounts has been added to my account and they even had a new physical card shipped to them at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. {$4000.00} of my savings was transferred from the teen account XXXX ( short for XXXX ) to the Current Pay account XXXX. {$2000.00} of my savings was transferred from the teen account XXXX ( short for XXXX which was an incorrectly spelled version of XXXX alter ego ) to the Current Pay accountXXXX. Another transaction for {$2400.00} even occurred at XXXX XXXX WHILE I WAS ASLEEP. 

I have done support chats numerous times where reps ask me to give them 2-3 minutes to review my account multiple times just to tell me theyll need to continue investigating and that theyll get back to me via email. Nothing works. 

Today, I even had a rep named XXXX tell me there was no way for me to dispute the transactions I described AND provided screenshots and receipt numbers for AND proved were not done by me just because they were transfers between my savings pods and spending accounts. 

This has been a mess for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage.

Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history.

I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency. 


15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of 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 non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage. 
Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over XXXX transactions through negatively reporting my non public personal payment history. 
I also reached out to XXXX Bankruptcy XXXX Utah XXXX who also says they are not affiliate with ANY credit reporting agency. 


15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Online Complaint Submission Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA, XXXX Email : XXXX Phone : XXXX Product/Service : Loan ( Personal Loan ) Company Information : Company Name : Affirm , Inc . 
Company Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 
What Happened : I purchased a scooter from XXXX XXXX on XX/XX/2021, financed through Affirm. The scooter was never delivered despite a promised delivery time of XXXX days. XXXX XXXX had a XXXX delivery policy, conflicting with Affirm 's XXXX dispute policy. I attempted to resolve this with Affirm multiple times over XXXX years, to no avail. XXXX XXXX claims a chargeback was initiated, but Affirm and the funding bank, XXXX XXXX XXXX, have no record of such a chargeback. I have incurred significant financial harm and credit damage due to this situation. Affirm has charged off the loan on my credit report, and I have not received the product or any invoice or receipt for this transaction. 
What I Want : I seek full reimbursement of all funds and interest paid towards this loan. {$9000.00}. I also request that the charged-off loan be rectified on my credit report. I am seeking a fair and thorough investigation into this matter, in accordance with consumer protection laws. 
In closing, I appreciate your attention to this significant matter. My expectation is not only for a resolution to my individual case but also for Affirm to uphold the principles of fairness and responsibility towards its customers. I trust that Affirm will treat this matter with the urgency and seriousness it deserves. Your prompt and just resolution will be a testament to Affirms commitment to customer satisfaction and ethical business practices. 
Thank you once again for your time and consideration. I look forward to a favorable and timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I purchased my home in XX/XX/XXXX, located in XXXX, TN, XXXX, and initially secured insurance through XXXX XXXX, a provider recommended by my agent. However, I became dissatisfied with their coverage options and user interface after a few months, prompting me to switch to XXXX in XX/XX/XXXX. I have documentation confirming this change, as my lender, Rocket Mortgage, requires escrow for insurance payments, and they covered the premium for the year. 

In XXXX, XXXX was acquired by another company, and they subsequently sent renewal notices to their previous policyholders. Without my consent, they contacted Rocket Mortgage and switched my insurance back to XXXX, causing Rocket Mortgage to pay them again from my escrow account. I received no prior notification of this change, and no policy number was provided to me. 

In XX/XX/XXXX, I received a renewal notice from XXXX, and everything appeared to be in order until I attempted to file a home insurance claim. To my surprise, XXXX informed me that my insurance had been canceled a couple of months earlier due to non-payment. 

After numerous phone calls, I discovered that XXXX had canceled their auto-renewals shortly afterward and claimed to have issued refund checks, the status of which they can not confirm if they were cashed. However, they failed to update Rocket Mortgage, which continued listing them as my insurance provider, leading to my actual insurance not being paid. 

This situation is exacerbated by the fact that my house is now uninsured, and XXXX, my primary insurance provider, refuses to reinstate my policy due to non-payment. Rocket Mortgage 's response to this situation was unhelpful, essentially telling me to find another insurance provider. 

Given that my rates have increased due to being uninsured and my previous insurance being canceled due to non-payment, I am left wondering if I can sue my lender for negligence. It raises questions about the purpose of escrow if I am left to bear the consequences of their failure to make timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well my visa debit card been compromised or basically stolen out of my mail box I never received my card wich had $ XXXX..so they ordered me a card so i waited and waited they said about 7 business days i should get it well it's been 3weeks so i call them and tell them i still havenent received my card they said Oki it's no problem ill send you out another card but you have to go to bank of America to verify your identity so I go ahead and do that so i get to the bank the lady takes my 2 peice i.d any said your good to go anything else i can help you with i said no thats it and thanks she said we'll express mail it to you she said just make sure your home i said ok and by the way the last time i ordered my card they didnt say anything about being home so i wait 2 days later my card cones im. So happy I go to activate it and there's only XXXX $ wow now I call them and tell them what's going on and the guy that looks it up tells me all the transactions and I said hows that I don't even have a card and that's when he said I have to send you to claims and you can ask the person that helped me there was email on file that wasnt mine a phone number that wasn't mine he even said some one got your card and changed all your info in the system to change the pin number..and then I was on hold with claims for 3 hours finally he came back laughing saying theres nothing i can do sorry for keeping you on the phone that long so i hang up call again and the new person supposedly filed a complaint on the last person that would not file a claim. So this is what's going on.. customer service operator that helped me told none of this email or your phone number that your giving me is on here so someone did go in and change everything

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: ID

Complaint narrative:
This company has texted me numerous times Despite my telling them to stop and telling them they have a wrong number. The debt they are collecting has also been paid as of 2020 and is invalid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: NV

Complaint narrative:
Scott and Associates violated Fair Debt Collection Practices Act.

They refused to provide validation of debt that they claimed they had the right to collect. They refused to provide full disclosure under the Truth in Lending Act pursuant to 15 USC 16-01-1667j.

They refused to provide my original wet ink signature promissory note pursuant of U.C.C. - Article 3 - 3-501 ( b ) 2 ( 1 ).

Therefore, they admitted that they are not a party of interest and can not rightfully enforce their claim under U.C.C. - Article 3 3-301. Under US Code TITLE 15 > Chapter 41 > SUBCHAPTER V > 1692g part ( b ), this debt is now officially in dispute.

By law, all collection activities must cease.

Scott and Associates were not able to show any lawful evidence of debt validity, yet they proceeded with mail fraud and harassment. 
Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

Be it known that Scott and Associates violated 15 U.S.C. 1692 ( c ) of the Fair Collections Practices Act by harassing me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX  ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX  aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX XXXX if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!

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 2024-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Harassing phone calls Calling people that are not me or my co-signer Calling estranged family members about my debt Calling co-signers neighbors I have been in contact with them so there is no reason for them to behave this way

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I applied for the XXXX XXXX Credit Card issued through XXXX on XX/XX/XXXX. Due to a fraud alert on my credit file, XXXX reached out to my to further process the application on XX/XX/XXXX. I verified that I had done the application and I was told everything was good to go to further process the application for an approval or denial. Later on XX/XX/XXXX, I received an email saying I was approved for the card. On XX/XX/XXXX, the fraud and review team reached out to me and stated that they couldn't verify my identity and that I needed to pay for and send notarized documents in so that they can remove the hold off of my account for ID verification. I had advised the agent that I spoke to someone and they had already verified my information with questions and calling my number that's on my fraud alert. The agent told me that I would still need to send in the notarized documents as an added security for the account. I send in the documents twice ; once on XX/XX/XXXX and again on XX/XX/XXXX because I was told the first set wasn't received. On the call with an agent from the fraud and review team I was told that there were XXXX notarized documents in front of mine and everything would be reviewed in the order received that day. I was told to call back at the end of the day. After XXXX days of getting the runaround in regards to my documents I call today on XX/XX/XXXX and ask what's going on with everything. I was told by an agent that my account was closed because I was considered a high risk and they felt I would do fraud on it. This is so frustrating because I was told that once my notarized documents were reviewed, the account would be good to go. That was so far from the truth. My next question is if you all thought I would do fraud/ was high risk ; why have me pay all this money to send in notarized documents and then continually dismiss me when I ask that. I want the money I paid for the notarized documents back and I also want the information for the legal department because I am getting my lawyer involved. I have done absolutely nothing for an agent at a company to tell me they suspect I'll do fraud and I'm high risk. I've never done fraud before ; so outside of me being XXXX and having a XXXX XXXX XXXX, what would cause XXXX XXXX say such a disgusting statement.

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