vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/2022 I called XXXX ( Netspend ) to reverse a transaction that was made by using XXXX XXXX. When explaining to the representative from netspend that XXXX canceled the transaction id XXXX And I should be seeing the funds in my account the rep canceled my debit card along with not saying anything when I asked why would you cancel my card because it was not stolen or used fraudulent the rep put his speaker on mute and would not respond and eventually disconnected the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2022, I was contacted on my cell phone by an automated call XXXX ( XXXX ) XXXX identifying themselves as Chase Fraud. The auto call asked if I had authorized a purchase at XXXX XXXX for {$310.00} with my debit card. I answered no and a person got on the line and asked again about the {$310.00} and gave me the last 4 digits of my debit card. I again told him no. He then said he would cancel the debit card and issue a new one. Then he asked if I authorized a XXXX transfer in the amount of {$5000.00} to XXXX. I told him I didn't even know what a XXXX transfer was and that I did not authorize it. He said I would need to go in through my Chase mobile app to reverse the transaction. I told him I did not know how to use the mobile app. So he said all I needed to do was reverse it and send it back to myself. He told me how to go into the app, put my name in and the amount of XXXX and it would reverse back to my account. So I did. He knew how much I had in the account somehow. He then said there was another transfer pending for {$3600.00} but that they would call back the next day to reverse it. He assured me they would investigate and let me know. He called back the next day XXXX. XXXX and walked me through the same process. At the time, I was not aware of the XXXX feature and had never used it in any banking transactions. I never knew this feature was attached to my bank account app and never asked for the feature. They also had my business email ( XXXX ) inserted into the personal data on my mobile app. The mobile app had been manipulated and set up by this criminal to transfer the money to him. The only email I gave Chase when I opened the account was my personal email. I never gave Chase my business email. Chase has refused our claim and to insure our money and will not tell me what bank the transfers were sent to even though they know. XXXX has denied our claim and will not refund our money. In fact, XXXX denied working with Chase and says that the XXXX used for these transactions was thru another private XXXX entity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 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: DE

Complaint narrative:
In accordance with The Fair Credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX @ XXXX XXXX original creditor XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX original creditor XXXX XXXX, Account XXXX XXXX XXXX XXXX  original creditor XXXX, Account # XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX  XXXX XXXX XXXX original creditor XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 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 2022-04-20 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: FL

Complaint narrative:
Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
XXXX did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by XXXX until recent. My bank did not open trade lines and renew because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My friend XXXX XXXX was having a party and needed his house cleaned. I helped him find a cleaning company Called XXXX XXXX. The quote was {$320.00} which XXXX XXXX agreed to. XXXX XXXX XXXX said he needed a deposit of {$40.00} to confirm the next day cleaning service. XXXX XXXX said he did not have his credit card on him and asked me to put the {$40.00} on my card and he gave me cash. I asked XXXX if I could pay the deposit and they could collect the balance of {$280.00} from XXXX after they cleaned his house. He said they could do that. He sent me the paperwork and the bill for {$40.00} which I signed and paid on my debit card with Wells Fargo Bank on XXXX XXXX XXXX. 
At the end of the month I saw a charge for the {$280.00}. I wrote an email to XXXX XXXX and asked them why they charged me and gave them XXXX 's name, address and phone number and said he was the one who was suppose to pay. I sent XXXX emails to XXXX and disputed the charge with Wells Fargo Bank. In the beginning of XXXX XXXX said from the paperwork RH sent they determined I have to pay. I did not agree and was upset. XXXX said they would send me the paperwork to look at how they determined their decision. Meanwhile I closed all my accounts with WFB with whom I have been with for over 20 years. I never got the paperwork and had to request it again. 
I just got it dated XX/XX/XXXX. I see where I signed for the {$40.00} but never {$280.00}. I see the total bill of {$320.00} which I never signed for and there is no receipt for {$280.00}. There is a signature with date of XXXX XXXX which was for the {$40.00}. That is the only copy of my signature. There is a bill of {$320.00} that they attached my signature of the {$40.00} dated for the XXXX, My debit card was charged the {$280.00} XX/XX/XXXX as XXXX did not collect money for XXXX XXXX and decided to charge me instead without my approval. 
I will not pay this charge as I did not authorize it. XXXX should not have paid XXXX. XXXX should also not charge me and put me into collections which would harm my credit report. I contacted XXXX today and they said the account was closed and I needed to take it up with XXXX. I already tried that. I expect XXXX should protect their customers especially those who have been with them for over 20 years. The claim # 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 explanation
Consumer complaint received 2022-04-20 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an 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 2022-04-20 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Around the beginning of XXXX a friend told me he couldn't open a bank account and asked me to open on for him to deposit his checks from work. Me feeling bad, i agreed to do so. He deposited a few {$500.00} checks. Later though out the week, my mom had got mail telling me I owed my bank money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/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 XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: PA

Complaint narrative:
L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is reporting an incorrect negative item on my XXXX credit report. 

I opened a loan on XX/XX/21 with Affirm after purchasing a product from XXXX XXXX, and choosing affirm for the payment. I selected autopay, and linked my bank account for payment. I was informed by XXXX around 60 days later that Affirm has reported a negative item to my credit. I checked my credit report and affirm reported that i never made my first payment. I reached out to Affirm who stated I never configured autopay that day for that item. 

I have reached out to Affirm for months, trying to resolve the issue. I have been asked for supporting documentation to prove i configured autopay, but I never even received a single email from Affirm that day confirming my selection of Affirm for payment, nevertheless confirming autopay was selected. Even Affirm agrees I selected Affirm as a payment method that day, even though they did not send an email confirming that either. I remember the day i ordered the product very clearly as I ordered it while on a break at my job, and my friend who convinced me to buy the rice cooker, since they have used it and highly recommended it, was sitting with me as i placed the order. 

I have not had a single late payment in 9 years on 11 credit cards and installment accounts. I have disputed this many times through XXXX and Affirm. This experience has been a living nightmare. Being laughed at and mocked by their staff on the phone, as I am powerless to prove what really occurred.

16 years ago, I was XXXX  and lived behind my friends house in my car. I worked at a XXXX XXXX XXXX to save up for a deposit to rent an apartment, got a better paying job in a mall, and stretched every penny, saving every cent to achieve my dream of opening a gardening business one day. I take my credit very seriously after screwing it up when I was young, and i never missed a single payment in nearly a decade. I now have officially postponed attempting to open my small business as planned as a result of my credit being impacted by Affirms mistake. 

I can not provide proof that i configured autopay that day, as they never sent me an email even confirming that affirm was chosen as my payment method for the XXXX XXXX which is clear from my account being opened with them that day on my account page.

I am begging for help, i worked so hard to repair my credit only to be the victim of Affirms mistake. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: TX

Complaint narrative:
Delete the following from my account immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Equifax has violated my rights.

15 U SC 1681 section 602A 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 oth
er adverse item of information, other than records of convictions of crimes which antedates the report by more than several years.

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa 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 2022-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I requested forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX to Gregory Funding. At the time my loan was transferred to Gregory Funding, it should have still been in forbearance. I applied for a modification with them, but I have not gotten an approval as yet, so therefore my loan should have remained in forbearance. 

However, on XX/XX/XXXX I got a notice that I'm in Loss Mitigation, which is incorrect. It said that I was more ten 4 months behind. I can not be in forbearance and loss mitigation at the same time. I should not be in Loss Mitigation because my loan should still be in forbearance until I reach a loss mitigation agreement with your company. I spoke to a manager XXXX today XX/XX/XXXX who advised of my monthly payment due in the amount of {$940.00} -- he also said my loan was out of forbearance for which I have received no written notice. The person working on my account is XXXX XXXX who I have not been in contact with. Per my conversation with XXXX, I intend to make that payment immediately. Therefore, I need Gregory XXXX to present a Loan Modification agreement which takes me out of forbearance. 

In addition, I need my account updated to show that none of my payments should be listed as late as I should still be in forbearance. 

It is very difficult to get someone to speak to at this company. There is a lot of conflicting information given and other times a complete lack of communication. If I do get a chance to speak with someone at this company they give me misinformation. I need these discrepancies rectified. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. 
tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit report.

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