vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/XXXX  an inquiry was made to my credit report and I was notified by XXXX. I responded it was not my account and they flagged it as suspicious. On XX/XX/XXXX  - 2 accounts were opened ; one in my name and one in my daughters name along with 2 additional names we do not know. On XX/XX/XXXX  I received 4 credit cards in the mail from Barclays and called them immediately to close the accounts. 

My daughter is married and does not live in the same state as me nor have the same last name yet the account was set up as her maiden name and at an address she has not lived at in 10 years.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
On XX/XX/, I was informed by my brother that despite havent no association to this supposed debt, has been harassed and even had his XXXX score negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
My credit report showed my credit was pulled on XX/XX/ and I didnt apply or authorize a hard pull by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) XXXX I have spoken to 3 representatives and they show no account or application but will not dispute the hard inquiry. I put a freeze on my credit and added extra monitoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am attempting to reach my service provider : Neltnet and determine the right loan repayment for me. They are completely useless when it comes to responding. 

I called Tuesday morning ( XX/XX/XXXX  ) and was on hold for almost two hours. They never gave me an updated waiting time. I e-mailed them on XX/XX/XXXX. A month has passed now with no response. There has been NO updates from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, the vehicle balance payment was made with First Bank XXXX XXXX. This balance is made since the car would be shipped to the United States in a time of one month or less. Contact First Bank XXXX today, XX/XX/XXXX, and I spoke with supervisor XXXX XXXX since they indicate the bank has a time of 10 days to process the loan cancellation letter and up to 60 days to process the car title. Which in this case is not favorable for me as a customer since the time to send the car is less than a month. No options are provided to the client. These indicate that it is their process and they can not do anything. In that case my car would stay in PR because the bank can not deliver the title in a more reasonable time. Who would incur the expenses since I am moving to the United States in XX/XX/XXXX and I would have to leave without the car and return to work on the title. The complaint was made with supervision at First Bank XXXX and it takes up to 45 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I've applied multiple times to get lines of credit and credit cards and personal loans and they said I had outstanding approval odds or great Approval odds and then I apply for it and I get denied and now I have bad credit because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
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. Account name : Account XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX 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 XXXX XXXX XXXX : XXXX XXXX XXXX : Multiple Account numbers XXXX XXXX, XXXX, XXXX, XXXX has violated my rights. 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Solution Please delete these accounts in which my consumer rights has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that Experian, XXXX, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.

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 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
TRANSACTION REFERENCE NUMBER : XXXX. 
Initiated {$5000.00} remmitance on XXXX XXXX from XXXX bank to pick-up at MoneyGram representative in XXXX : XXXX. XXXXXXXX XXXX only allows {$4900.00}. 
XXXX. XXXX could not proceed with transaction because they have a technical issue with MoneyGram and after XXXX attempts on the phone to fix, nothing was accomplished. 
XXXX. XXXX has limited dollar amount withdrawl ( {$400.00} ). 
If MoneyGram is offering a service, it needs to GUARANTEE that it's partners can fulfill the transfer. MoneyGram is being FRAUDULENT because it " HOLDS YOUR FUNDS HOSTAGE '' until returned, sometimes more than 15 days!!! 
This is not the first, second nor third time MoneyGram has done this with my account. MoneyGram needs to be held accountable and PENALIZED for non-fulfillment of service. 
I have spent 5 days traveling to the city, wasting more than XXXX hours time trying to resolve. I want COMPENSATION!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4a section 2 ( it's also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-12-07 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:
incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
XXXX : First contact was to inquire about increase in monthly mortgage payment. Payment was roughly {$1600.00} a month. Shortly after being transferred to Mr. Cooper, the payment went to {$1700.00}. I was told that this was because of insurance and property increases. 

When contacting my insurance company, they indicated that the premium actually went down, not up. 

Made my second call to Mr. Cooper to discuss what my insurance had told me, only to get an agent who proceeded to tell me that the price increase was because I was shorting my mortgage payment. When I asked for a clarification, he began to tell me that my mortgage payment was {$3200.00}. When I told him that was wrong, he told me that I had been making that payment since XXXX. I had my banking info that indicated that {$1700.00} was being taken out, and that Mr. Cooper 's own recording indicated that my next payment was {$1700.00}. The agent began to argue that both were wrong, and that my mortgage payments were {$3200.00} a month. 

After hanging up, I called right back and spoke to a supervisor, who indicated that I was correct, my monthly payment is {$1700.00}. She was unsure of who I had spoke to before. I asked if there was a transcript of that previous conversation, and she indicated that there was. I asked if there was a note regarding removing " auto-pay '' and she indicated that there was. I made sure that she knew that we wanted to pay by mail, and she indicated that it was taken care of. 

Fast forward to the end of the month, and my wife made a payment by check for {$1700.00}, and according to my bank, it was cleared on XX/XX/XXXX. This payment was for the month of XXXX. My wife got a message that a withdraw was made in the amount of {$1800.00} by Mr. Cooper on XX/XX/XXXX. 

I have tried multiple times to get this cleared up, but the customer service lines and the online chat have not worked. The phone service keeps ending the calls, and the online chat indicates that they are unable to help due to large volume. Though, their phone message that comes on, and identifies who I am based on my phone number, tells me that my mortgage/loan is " paid in full ''. Then it tells me that it will send a letter of paid in fullin 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: OH

Complaint narrative:
My information was compromised is the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Identity theft on card by former employee. Chase referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
Chase just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received notice that I needed to provide the mortgage servicer updated information on my insurance renewal. I submitted it 4 times, starting in XXXX before the lapse date, and the servicer failed or refused to pay the premium causing the policy to lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: AL

Complaint narrative:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 they accepted my XXXX XXXX check. They would not allow me to transfer the money out. On XX/XX/2023 they accepted my puppys insurance check to help me pay for my puppys 5 hour XXXX after being mulled by at monstrous XXXX XXXX. My puppy died XXXX days later. Even though I explained to them that that check belonged to my XXXX yr old mother. She paid for XXXX hospital visits and XXXX. They didnt care. Capital One closed my account without telling me when or why. The account was allegedly closed yet they took check. Ive called them on a daily basis but only was transferred to a computer telling me to leave a message, name, and phone number and they will call be back within 48 hrs. Never called me. I spoke with fraud department last night. All he would tell me is my account is being investigated. I asked why and he wouldnt say.. I am XXXX months behind in my bills. They dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JPMORGAN CHASE bought my mortgage from XXXX XXXX and since then has demanded twice that we purchase additional FLOOD INSURANCE for a XXXX XXXX XXXX. XXXX XXXX never had any problems with the Insurance Policies and found that the Building Insurance and our Individual unit insurance policies were more than adequate for State Law. 
Additionally JPMORGAN CHASE has onerous communication options that do NOT permit speaking with a human being/customer service representative. Everything must be done by uploading documents or faxing documents. There are NO options to speak with someone to resolve such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX team of XXXX assigned to my case set me up for the deferral payment of the months from XX/XX/XXXX to XX/XX/XXXX XXXX payment required that day And my next payment until XX/XX/XXXX Per XXXX. Said I would get a confirmation letter next day. I called back on XX/XX/XXXX XXXX from litigations dept saying give u more time for SLS to send the confirmation letter. 
I have not received the confirmation letter please update me cause I dont want issues Id have to report it to the financial protection agency if I dont get back within XXXX hours Now as of yesterday I was told they didnt do it. This is unacceptable. I need someone form the corporate office to fix the issue of the reps that dont seem to be doing things correctly

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 2023-12-07 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/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