vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX my adjustable rate HELOC mortgage with XXXX was modified to a principal only loan at 0.0 % interest for 240 months, and the payment was to be {$590.00}. This continued in XX/XX/XXXX when XXXX became the servicer of the loan with nothing changing, {$590.00} @ 0 %. This again continued when in XX/XX/XXXX XXXX XXXX XXXX took over, maintaining the terms of the modification contract. In XXXX of XXXX I was informed by letter that Newrez/Shellpoint would take over the loan and that all account numbers and that " Your mortgage terms WILL NOT CHANGE as a result of this migration. '' ( the same as XXXX and XXXX ) and from XXXX to XX/XX/XXXX everything was fine. In XXXX of XXXX I received another letter from Shellpoint stating the same thing again! But on my XXXX statement I noticed that the APR had been changed to 8.75 %! I immediately called Shellpoint and discussed the issue with a representative and was told that they would investigate the issue. But my XXXX statement showed the same interest rate ( 8.75 % APR ) and a finance charge of {$450.00}. The latest letter I received was to inform me that my XXXX payment of {$610.00} was past due, and included a threat to report the nonpayment to the credit bureau. I have called twice more and talked to XXXX XXXX and XXXX XXXX, asking why this hasn't been fixed. XXXX said I should pay the new amount ( {$1000.00} ) due by XX/XX/XXXX but I informed her I would continue to pay the $ XXXX that I had been paying for the last 12 years! I want this mess fixed, I have paid the {$1000.00} to protect my credit, but I want it returned to me! I HAVE ALL THE DOCUMENTS AND STATEMENTS FOR THE LAST 15 YEARS TO BACK THIS UP IN COURT!!! I have made all payments on time, I have a near perfect credit rating. I want my rate returned to 0.00 % for the remainder of the term/contract, with a payment of {$590.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX Chase Bank unilaterally and without warning closed my account. I believe it was as form of retaliation for the reporting by the XXXX XXXX regarding my lawsuit against XXXX XXXX XXXX. 
On XX/XX/XXXX I have called Chase customer service and the XXXX based CSR has processed my request of refund of the account 's positive balance in form of {$65.00} and informed me that the payment will take 5 to 7 business day to process. I have received this service on my account before and it has never been an issue. 
However today on XX/XX/XXXX I have received an email from Chase informing me that I must accept the payment and get myself involved in some kind of open ended administrative process to receive it. When I called the line again listed on the notice XXXX the XXXX based CSR would not address the issue behind this notice but informed me that it the notice and the subsequent delay in payment now a part of the process that I must follow. When I requested to speak with the XXXX based CSR it was declined by telling me there is nobody available.

Here is the issue : This type of " process '' of payment open ended administrative process is designed to do two things : 1 ) To harass the customer by the actual denial of overpayment return.

2 ) It is designed to delay the payment as long as possible before it actually reaches a customer. 
Chase has recently been doing this with third party vendors ( XXXX XXXX for example ) that utilize its system by artificially delaying the processing of the payment. It not only puts an undue requirement on the person receiving the payment for services that the person is not even contracted with the Chase Bank but it is also a form of financial abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have made several attempts to pay off my account with them and close my account and they keep telling me " unable to process payment ''. They don't give me a reason even though I have the money in my checking account since XX/XX/scrub>XX/XX/2024. I have made my payments with their agent by phone and received a confirmation number, but my bank says there has been no attempt to withdraw payment from my account. They have added extra numbers to my checking account and then tell me my account is past due and try to charge me late fees, according to their online site. I don't get any real answers and they just don't care. They are a TERRIBLE credit card company and I believe they are trying to scam 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 2025-01-06 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hard credit pull from a fraudulent company claiming to be Capital One on XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau XXXX  ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. 
Proof of any payments or transactions associated with the account. 
Any identifying information you have on record that would associate this account with me. 
Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing to formally express my outrage and frustration regarding the ongoing identity theft that has severely impacted my life. I have been a victim of identity theft since XXXX, and despite my relentless efforts to address this issue, my situation remains unresolved. Credit accounts have been fraudulently opened in my name, and my personal and financial information has been exploited without my consent. Since XX/XX/XXXX, I have filed reports with the major credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, with no meaningful resolution or support provided. Additionally, I have engaged in numerous disputes with the affected companies, as well as filed formal complaints with local law enforcement. After months of investigation, I was told to continue filing disputes with the credit bureaus, which I have already done, time and time again. The level of negligence, indifference, and lack of action on the part of the credit bureaus and the companies involved is completely unacceptable. I have invested an enormous amount of time and energy into this process, yet nothing has changed. I have been met with delays, dismissals, and outright incompetence at every turn. My financial reputation, creditworthiness, and personal peace of mind have been severely damaged, and I can no longer tolerate the ongoing failure to rectify this situation. As a result of this persistent lack of accountability and resolution, I have been forced to take legal action. I am now working with a law firm to pursue a formal lawsuit against the responsible parties for their negligence and failure to address this issue in a timely and responsible manner. This is my final step after exhausting all other avenues, and I expect immediate action from the relevant parties to remedy this situation before the matter proceeds to litigation. I demand that the fraudulent accounts in my name be removed immediately from my credit reports, and I request a full and thorough investigation into this matter with clear, documented updates. If this issue is not resolved promptly, I will not hesitate to pursue every legal option available to me. This is no longer a matter that I am willing to tolerate. I am prepared to take all necessary legal steps to hold the responsible parties accountable for the damage that has been caused to my financial security and well-being. I look forward to your immediate response and action on this matter.

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 2025-01-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
A person called me, My current bank, fifth third, was shown on my phone, So I assumed the call was legitimate. This " representative '' knew ALL my information and said he was putting my accts. on " high alert '' because there has been fraud on my checking acct. in the past. After this call, a couple hrs. later, I logged in and noticed that this crook moved {$9000.00} from my savings acct. to my checking acct. {$4000.00} was a withdrawal by a company called XXXX. I looked this company up and it is located ibn XXXX, XXXX. I would have thought, this " bank '' would have detected this as fraud. I looked them up and I don't even know what their " services or products are. I contacted the FDIC, and they refereed me to the Consumer protection agency Bureau. They contacted Fifth third bank and after a couple weeks, the XXXX called me and said I should contact an attorney. I called legal-aid, and they said they didn't take cases like this and said I should file a complaint with your office. I am XXXX and I was trying to save money in case of an emergency, I am XXXX, and this is ALOT of money to me, over 3 months ' worth of my benefits. Would you contact Fifth-Third bank and investigate this and PLEASE try to get my funds back. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have XXXX Cash App accounts. After changing my phone number, I couldn't get into my first account, XXXX XXXX, so Cash App support told me to make a new Cash App account. I made account XXXX XXXX. I asked them to delete XXXX XXXX, but they say they can't unless I can access the account. 

1. I want XXXX XXXX deleted immediately. 

I have {$58.00} in XXXX XXXX and had to change my phone number again, so I can't get into that account now or withdraw my money. Cash App support told me to make a new account and that thy can merge it after. I made account XXXX XXXX but when I called to merge it, they said they couldn't until I found and regularly use the new Cash App account. I don't want to put more money in or use their scammy app anymore. 

2. I want to withdraw my {$58.00} immediately. 

3. I want XXXX XXXX and XXXX XXXX both deleted. 

Cash App is a scam, and they are trying to force me to spend money with them to get my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want EQUIFAX to recognize my right that it can not choose any information attributed to me as personal information, that only what I prove as a person that this is relevant, you throw away the information I prove to you, you throw away the information in my US ID, how can you prove and try to understand such an action while you deny my personal that I prove to you never makes sense. Where you get this information you are ready to give it, I have never changed my name in my life anyway you can decide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-01-06 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: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX my checking account was charged 4 separate transactions all in new york amounting XXXX {$1.00} : XXXX XXXX XXXX {$2.00} : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX  XXXX  XXXX and XXXX The bank is denying my claim of fraudulent unauthorized debit transactions due to an initial misunderstanding of the claim. i included XXXX charges that were not fraudulent. To clearify the only fraudulent charges i am disputing are 4 placed on XX/XX/2024. 
Key Bank dispute # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I would like to request an investigation into these accounts, as there seems to be a misunderstanding about their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not informed of their reinstatement, nor have I received any correspondence regarding this matter by mail.

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 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was forced to use branch bank to secure my money even though I was an XXXX  XXXX. They charged me fees to withdraw my money for three years. Sometimes they did not pay me for deliveries I completed. I saw the article about the lawsuit and wanted to know how I could be a part.

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