vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX I logged into my Chase account and scheduled funds transfer of XXXX  USD I got message this is being reviewed and then below email message came to my XXXX acc From Account Ending in XXXX Transaction Number : XXXX Dear Customer : We canceled your wire transfer request as part of our security review. 

If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. 

Sincerely, XXXX XXXX XXXX Banking I am currently stuck in XXXX due to Pandemic and no fly restriction from my company but when I call the given number mentioned in mail - it goes to automatic robotic instructions with endless waiting time When I re login to my account I got a message We locked your account to protect it from suspicious activity. 

Now I am stuck outside XXXX and unable to withdraw my own funds that I need urgently here Please help Thanks XXXX XXXX My XXXX # XXXX XXXX My XXXX # XXXX - I m unable to use this here in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
I'm writing the complaint because I've disputed these accounts multiple times and have received no results or the evidence of accuracy.

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 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We have applied for a Deed in Lieu with PHH Mortgage Serices Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and have not been able to resolve a title issue dispute. XXXX XXXX, XXXX whom I have never spoken to is the Relationship Manager. Someone different have call me every week to discuss issue when I have appointment calls. Because my parents are deceased and we do not want to keep the house, nor, can we keep up with the payments, we have filed for a Deed in Lieu.. My mother had a loan modification but she had a XXXX and died on XX/XX/2020. 

I have submitted all of the documents requested to PHH mortgage and have talked to them weekly. The Affidavit of XXXX has been submitted and approved. XXXX XXXX and XXXX XXXX XXXX are the parties to discuss Deed in Lieu. 

I am told that there is an encumbrance on the property which affects the title but the encumbrance is the result of the Mortgage Companies when they sell or transfer the mortgage to another company not following up and submitting the loan cancellation or the transfer of the property to the new lenders. 

The encumbrance reference is from a '' XXXX XXXX XXXX. '' PHH or XXXX XXXX XXXX does not seem to understand that it can cancel this encumbrance or go through the chain ot title when they purchase the paper to have all of the encumbrances cancelled. 

Mortgage Companies do not have attorneys working to assist the borrower. Moreover, PHH violated the foreclosure moratorium by trying to seize the property during the pandemic. An attorney in XXXX XXXX Louisiana, XXXX XXXX filed the Notice of Seizure. She is not talking to the Deed In Lieu Department at PHH/XXXX XXXX.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I've recently got a copy of my consumer credit report and noticed an account i did not recognize nor have i entered a consumer credit transaction with this company. My privacy has been violated and my rights as a consumer have been violated under the FDCPA AND FCRA. I have been harassed by text messaging acquiring about an alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
Im not sure why this is on my credit report when Ive had full XXXX for over 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I was alerted from my identity theft protection program that someone opened a Fortiva account ( Account ending in XXXX ) to pay for a XXXX XXXX XXXXXXXX XXXX. I reported the fraud to XXXX and filled out their ID Theft Affidavit. I never heard back and did not receive confirmation of them resolving the account. When I attempted to follow up on the status of the dispute, they would either refuse to help me or hang up on me. I am a victim of identity theft and this is not my debt. I pulled credit on XX/XX/21 and now see that they closed the credit line but they have not removed it from my credit report. I would like the debt and inquiry removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The CRA lists a Bankruptcy on my consumer report. When asked to verify, they first claim the court notified them. Then they claim that they verified through a 3rd party CRA.

However, I've contacted both XXXX and the US Bankruptcy Court. I have attached both letters stating that neither of them validate or confirm public records and that a Bankruptcy would be public record. 
Therefore listing a bankruptcy on my consumer report violates the FCR section 623 ( a ) ( 5 ). This particular section states that when a CRA can not verify or validate the information with the original creditor that the CRA must delete said information from the consumer 's report immediately.

I've attached a copy of both letters, one from XXXX  and one from the Bankruptcy Court confirming that they do not validate or verify bankruptcies and that they do not validate or confirm public record information due to the privacy law regarding The Fair Credit Reporting Act. Having the bankruptcy listed violates my rights and commits an FCRA violation. I've attached a copy of said FCRA section 623 ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX all four of my capital one credit cards were restricted. I contacted capital one to see what the issue was, and I was transferred to the fraud department and told that I needed to provide proof of all my authorized users that are on 1 of my four credit cards. I was told to provide a front and back copy of their driver license and a copy of their social security card. I uploaded everything on the upload portal as requested. Unfortunately, the portal only allowed certain sized documents to be uploaded so I was concerned about whether everything was uploaded successfully or not. After calling to confirm that everything was successfully uploaded, I was told that it would take 7-10 days to process this information and was then told that I would be contacted if any additional information was needed. I was never contacted and every time I called the company about the status of my " case XXXX '' I was given different responses. One person told me that It was still being investigated and to try calling back. Another person told me that all of my accounts were closed for violation but was unable to provide me any details about the violation. The last time I spoke with someone I was told that a case manager would contact me regarding the status of my case. I have not heard anything from anyone. Yesterday, I received an alert from XXXX XXXX, and XXXX saying that all four of my capital one accounts were closed by the creditor. I'm beyond confused and highly upset that adverse actions were taking on me for just adding close loved ones to my account in efforts of teaching them how to properly use and manage credit cards. I've been a customer with capital one since XXXX and feel blatantly disrespected. I also don't understand why all of my accounts were closed without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: AES/PHEAA
State: FL

Complaint narrative:
The company has not adequately assessed the qualifying payments for the Public Service Loan Forgiveness program. 

The qualifying employment verifications has been submitted, per the company 's request, in the format required ( Ink signature from the employers ). 

The company continues to delay the assessment, and adjudication of payments affecting my ability to request new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There is no ongoing litigation between bofa and myself.I have been trying to get an extension on my covid 19 forbearance for over a month. It expires XX/XX/2021. Per the cares act, I can request an additional 6 months within three months of my first forbearance ending date. The bofa customer service representatives refuse to speak to me because they say I have a litigation flag on my account. I am not involved in any litigation with Bank of America and I also dont have any legal representation around my bofa mortgage. I have now sent two faxes to the number they told explaining as much. Nothing is being updated on my 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 non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended University XXXX XXXX on-line from XX/XX/XXXX thru XX/XX/XXXX. I experienced illegal adverstising tactics and false promises of employment following my graduation of my Associates degree. University XXXX XXXX has admitted to their wrong doing and has paid out milliions of dollars in damages, as well as waived an enormous amount of student debt. I have repaid approximately 50 % of my loan but still owe approximately {$11000.00}. According to the lawsuit I fall into the category of all 5 qualifications for student loan forgiveness yet have received absolutely nothing. My degree never helped attain any employment with the tainted University XXXX XXXX brand. I'm having trouble supporting my family and would greatly appreciate any help I can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I settled my XXXX XXXX credit card charge off. XXXX XXXX  did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

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 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I've recently reviewed my credit report and noticed that an account from an debt collector that i never entered a consumer credit transaction with. I have reason to believe they have violated privacy and my consumer rights under the FDCPA and FCRA. I never gave consent or been in contact with this company for them to furnish an account or send information to the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MI

Complaint narrative:
On XX/XX/XXXX, I experienced XXXX at XXXXXXXX XXXX XXXX. I contacted Chase to dispute my transaction for unused service with the XXXX business. The amount I was disputing for is {$48.00}. Chase customer service XXXX stand with XXXX  and refused to dispute the amount. In addition, XXXX told me she will transferring me to her supervisor but " none of the supervisor is available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
My mother received a letter in her mailbox from Results Unlimited LLC sometime in XXXX. It was for collection of a debt that I had from a previous apartment complex stating that I owed {$770.00}. I called Results Unlimited and spoke with XXXX and asked if I could make a payment arrangement as well as provide her with my current mailing address as well as confirming my phone number. She agreed and updated my information. I called on XX/XX/XXXX and I spoke with XXXX again and provided her with my checking account information. Two weeks had past and I still did not see the money taken out of my account. I called again on XX/XX/XXXX ( No answer ) and on XX/XX/XXXX. I spoke with XXXX again and she stated that she wrote down the wrong account number. I verified the correct account number with her and ask that she process a payment of {$450.00} on XX/XX/XXXX and the remaining {$320.00} on XX/XX/XXXX. That was the last form of communication that was made between me and this company. On XX/XX/2021 I got a call from my mother stating that a warrant in debt had been placed on her door. MY MOTHERS HOUSE SHOULD NOT HAVE BEEN SERVED. ESPECIALLY when it comes to MY personal information and they even had all of my updated information. I have not lived at my mothers house in over 6 or 7 years so why on earth would they just post a freaking warrant on the door? What if my mother didn't live there and someone else did? Now my business was posted on the front door of my mothers house when it should have never been served in the first place. I called this morning XX/XX/2021 and spoke with a XXXX or XXXX and explained the situation and even offered to make the payment but she still tried telling me that I have to pay court fees. She stated that they tried mailing me at my address but my mail was being returned as non-deliverable. That's funny considering after I updated my address back in XXXX, they sent me a letter no problem. I promise my house didn't up and walk away. It's their fault that they didn't properly collect the money in the first place. I did my part. I communicated and cooperated to resolve this debt and now I have a possible judgement. This place needs to be shut down and they should be counter sued by all of the other people they have screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had {$11000.00} loan on XX/XX/2006 to attend XXXX XXXX XXXX. I've made payments totaling over {$21000.00} XXXX dollars. They allege I still owe {$10000.00}. 
This is ridiculous and a blatant robbery. 
I need assistance with this company that is probably doing the same to thousands of other people. 
I am a XXXX XXXX XXXX XXXX caring for my son and I this is a burden on my finances and it is compromising my stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CA

Complaint narrative:
I have a Bankruptcy only reporting on TransUnion. This should not be on my report. I spoke to a supervisor regarding this and she sent me to a website claiming XXXX is how they verified the bankruptcy belonged to me. My XXXX has been frozen for over 2 years due to severe identity theft I have been through. The bankruptcy is not on my XXXX. So now I have several problems. First, a falsely reported bankruptcy ONLY on my TransUnion report. Second, I was lied to by a supervisor, working at TransUnion. Third, I am the only one being harmed by this. I have excellent credit and this is keeping me from qualifying for a home and other things I deserve. TransUnion is falsely furnishing data on my report and LYING to me.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.

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