vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had a transfer and they asked me for the bank statement of that person who make a transfer to me and I send them the bank statement and everything they asked for so in the end they decide to close my bank account and saying to me the remaining funds will be transferred to me in my new bank account so I provided the new details of my new bank account but they still not send it all this happened before XXXX XX/XX/2023 so since that time I dont have a call from them when I tried to call they saying they still running out some checks I did even made a complain but still nothing. 
I have in that bank account XXXX ( saving ) and some XXXX or XXXX more in normal XXXX regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To whom it may concern, I am unaware of this debt, I did not have the opportunity to dispute this debt and I have not received proper notification about this debt. If in fact you believe I've received proper notification please provide the " XXXX Mail '' with the receipt with my name and signature on it stating that I have received it.1. Portfolio Recovery has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. Portfolio Recovery has not given me teh opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violation of my consumer rights by the Portfolio Recovery, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Portfolio Recovery is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to Portfolio Recovery, I XXXX XXXX is also revoking all rights of Portfolio Recovery from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between Portfolio Recovery and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title.

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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Conn's, Inc.
State: TX

Complaint narrative:
They would not work with me on the debt then I told them I wanted to pay XXXX because I had to pay rent and take care of my kids they refused and got a lawyer would not listen to me. I got the XXXX kids thats is a fact

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: CA

Complaint narrative:
The website and phone systems for https : //www.paypal-prepaid.com/ and customer service for all checking, saving and other accounts are inaccessible today XX/XX/XXXX. 

I contacted them and after receiving a message that there is no access to customer service or my account, I finally got through after XXXX minutes and was told that customers will have XXXX access to their account and money for potentially more than XXXX hours. It has no been over XXXX hours.

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 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was the victim of a very organized scam involving Crypto currency and Bitcoin, and my Chase Bank. The scammers presented themselves as someone I knew online, when in fact they werent. I wired money thinking I was being helped in learning about Crypto. I lost {$58000.00} to these thieves. Chase Bank never once questioned these transactions. This was all done in the month of XXXX, with the last wired transaction on XX/XX/XXXX, XXXX Letters have been sent on my behalf from XXXX XXXX  , to Chase Bank and XXXX and I have not heard back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
This is regarding my CFPB dispute/complaint # XXXX against UNITED COLLECTION BUREAU, INC. - UCB reference XXXX XXXX XXXX submitted on XX/XX/year> and updated/closed on XX/XX/year> after the company responded. My original dispute and complaint regarding this matter was thorough and detailed with accompanying documentation. The company 's response was vague, insufficient and lawfully unacceptable. I received NO CORRESPONDENCE or certified proof that correspondence was sent and received to and by me. The company DID NOT provide me with the specific documents I requested in my original dispute/complaint to verify and validate the debt or proof of the company 's lawful authority to enforce an alleged debt claim against me to my detriment. As a consumer, it is my right by law to request and be provided with, in a specific window of time, specific documents to ensure that all account reporting and information concerning my consumer credit report is indeed 100 % accurate. If all the requested documentation can not be provided by the reporting agency/creditor for the accuracy of the account to be proved, then by law it must be removed. Furthermore, THE XXXX ACCOUNT THIS COMPANY IS REPORTING IN AN ATTEMPT TO COLLECT AN ALLEGED DEBT FROM ME HAS ALREADY BEEN DISPUTED AND REMOVED FROM MY XXXX CONSUMER CREDIT REPORT DUE TO NOT BEING ABLE TO 100 % VERIFY THE ACCURACY OF THE INFORMATION BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was impacted by the subprime loans distributed by Sallie Mae/Navient by for profit school , XXXX XXXX XXXX . Both companies have be held accountable for causing financial harm to students by closure or lawsuits ( XXXX XXXX XXXX ). 

Navient has not been rehabilitated and continues the same deceptive practices.

I've still been paying my loan faithfully but Navient failed to process payments according to our auto agreement, which caused a chain reaction leading me to fall behind and owe more interest. It's been devastating to my finances, dropping my score XXXX points. My rate reduction ended but they were to still pull the updated payment from my account as promised. They did not pull the payment, marked it late and reported unwarranted negative activity on my credit file, even after payments were made.

No matter how much I pay, I can not see any progress on the loans. My federal loans from XXXX XXXX XXXX  ( Same account ) are in the process of being forgiven and refunded because of the disruptive and deceptive practices of the institution. Navient is still attempting to collect on the same deceptive accounts. They have defrauded myself and family for years and are currently putting me at risk of financial ruin.

The current cost of my loan is exponentially greater than the original balance, they are egregiously benefiting from the interest on debt that should be discharged ; the company not processing payments as agreed is just the cherry on top.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called and asked for the accounts to be removed not only because its not mine, but the information is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In XX/XX/year> I settled with the law firm XXXX XXXX  assigned to my case. The account is still reporting inaccurately on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XX/XX/year> I settled with the law firm XXXX XXXX  assigned to my case. The account is still reporting inaccurately on XXXX and Experian.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
The fair credit reporting act states in ( 15 USC 1681 ) a debt collector may no engage in any conduct in trying to pursue me. I have a right to fairness and privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am writing to urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX. XXXX, 2024 I must emphasize that neither XXXX nor XXXX, prominent credit bureaus, have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ).

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services.

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciate

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX XXXX balance {$2100.00}. XXXX XXXXXXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI 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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXX  opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX  opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX opened XXXX XXXX balance {$2100.00}. XXXX  XXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-13 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My original mortgage lender was XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). 
I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. 
XXXX XXXX XXXX XXXX ( XXXX ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. 
I made monthly mortgage payments to XXXX until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay XXXX. 
On XX/XX/XXXX XXXX forged a mortgage assignment from XXXX to XXXX. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered XXXX to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. XXXX violated that Order of XX/XX/XXXX, and instead forged two more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called XXXX  Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on XXXX  XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA Debt Validation letter to XXXX in XXXX of XXXX they ignored it. 
XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA Debt Validation Letter on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to Shellpoint Mortgage Servicing ( Shellpoint ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). On XX/XX/XXXX I sent them FDCPA Debt Validation Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. Shellpoint continued sending my mortgage statements on a time-barred Note. Shellpoint is a debt collector not my mortgage servicer. XXXX XXXX  is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX someone accessed my Chime account and transferred {$700.00} from my savings account and transferred it to my checking account. They then sent the {$700.00} to someone that it don't recognize. I called chime right away the same day and told them what happened. Instead of blocking the transfer, they opened a dispute and the very next day the declined the dispute. Now today XX/XX/XXXX XXXX purchases were made on my account and when I called Chime again, I was told there was nothing they could do while the purchases were pending. They want me to wait till the purchase to go through and then file a dispute instead of refusing the purchases.

Company response to consumer: Closed with explanation