vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2023. My XXXX received a call from supposable the fraud department at chase. They seemed to have all his info down to debit card #. There were wire transfers made from my business account in the amount of {$21000.00} and {$31000.00}. I have never once in my life have done a wire transfer before. While I was at the bank another attempt from my personal savings account of the amount of XXXX was made. I was able to stop that one, because I was at the bank. What I don't understand is how Chase Bank allowed so many transfers to go through. When I try to pay for things myself I always get blocked get an text and email to confirm my charges. When I talked to the claims department they told me I would receive a packet to fill out by mail only. To this day I haven't received the packet and I asked them if they can email it to me and they said no, it has to be by mail. I received a phone call from the claims department with a denial. A banker at Chase put in a request with the Escalation Department and they called me with the denial also. I feel abandoned by this bank with no communication, I feel they should have sent an email or text with a fraud alert to get my approval like they do with everything else. I am very, very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MD

Complaint narrative:
MOHELA is in violation of violation 15usc1681, 15usc1681b and 15usc6802 This is the final attempt to resolve this matter before a civil lawsuit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from Experian that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from XXXX XXXX XXXX on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted Experian and they refused to dispute the duplicate hard inquiry. They directed me to XXXX to request removal. I contacted XXXX and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report twice for their investigation into the validity of my my identity and application. 

My XXXX score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing concerning my experience with CapitalOne is both a grateful thank-you and a pressing request concerning my account. 

I received my CapitalOne credit card in XXXX of XXXX and took pride in the fact that I routinely made all my payments on time. Unfortunately, in XX/XX/XXXX I missed a payment due to my children becoming sick and then myself. With one child getting better and the next week another child becoming sick and then I became sick as well. I was also told I missed two payments in a row and was 30-60 days late and that's why I was reported as late for XXXX Also I am a XXXX and in XXXX, XXXX and XXXX we had XXXX spread through my facility. I believe XXXX is what my children and I caught in XXXX. People might have started to forget about XXXX, but it's still spreading in waves in Healthcare facilities and Healthcare workers are still battling this virus. I'd appreciate the removal of my late payments from my credit. 

I am a single mother of XXXX children and saving to purchase our first home in the coming year and now I'm not so sure if I can be approved with my unintentional mistake with CapitalOne. I am very sorry. 

Since that incident, I have learned the essential organizational and financial management skills I needed at that point, and my payment history reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with CapitalOne, one that I am determined to keep untarnished. 

Since that late payment does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit history by revising those tradelines. I sincerely hope that there is redemption at CapitalOne, and I would like to ask for such consideration. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Upon checking my credit report, I noticed a collection from CCS ( Credit Collection Services ) in the amount of {$490.00}. It shows that the account was opened XX/XX/2022. I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay CCS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please assist with fixing my credit report, see below response from a creditor, they advised that they are unable to pull my TransUnion credit report due to the file being too long, they advised that TransUnion can consolidate and correct. Please see below response from the creditor. 
Hello, It appears that we are unable to pull your credit with Transunion due to your credit file being too long. If you can please get in contact with Transunion so they can consolidate and correct or give us permission to pull credit with XXXX. 

Thank you, XXXX XXXX Loan Consultant XXXX # XXXX Email : XXXX XXXX p : XXXX ext 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM Financial are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which GM Financial is in violation of 15 USC 1681e ( b ). 

I reached out to GM Financial on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. GM Financial removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, GM Financial received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX GM Financial charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that GM Financial update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I noticed a charge on my XXXX credit card from Transunion dating back 15 months ( XXXX XXXX XXXX ). I tried to report fraud when I noticed it and changed my credit card on Monday XX/XX/XXXX. XXXX. Then, without my authorization, my new credit card was charged the same $ XXXX on XX/XX/XXXX. XXXX asked me to resolve it with Transunion and have the monitoring service stopped and reimbursed since I did not sign up for it. I called Transunion SEVEN times on XX/XX/XXXX and was hung up on, transferred and not helped until the SEVENTH call when I was transferred and then escalated. Finally, they determined someone named XXXX had falsely signed up for this service using my information and said they would cancel and reimburse me. I was horrified by the process of just getting to someone who could help resolve this. They couldn't help me any further in the fact that clearly my identity had been compromised since someone was able to sign up as me. 

BE AWARE of any Transunion charges and the terrible process to cancel.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This collection company is in violation of the FCRA 15usc1681, 15usc1681B and possibly extortion. This is the final attempt before a civil lawsuit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has reported 150 days late when they were billing errors and hasnt not corrected it on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: FL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) I am requesting that these accounts be removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation.

2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Harvest Associates inc the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One is currently in violation by reporting late payments on my consumer report The national emergency for the XXXX  XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. Capital One never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for Capital One. The law supercedes them and I never gave them authorization to report anything to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A checking account was opened in my name without my knowledge. The account has a negative balance as of now.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I'm asking my loan servicer for affordable loan mod. They do not providing me with the full payment history on my account. I need to know how do they came up with the dollar amount to give me a new loan mod.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Dear Sir or Madam : I would like to draw your attention to the fraud being perpetrated by Ally Bank. 

Last Fall, I submitted a complaint to the Michigan Attorney Generals Office indicating that amongst other things, Ally was fraudulently trying to collect for damages to a turn in leased automobile. In response to this complaint, Ally responded with the attached letter to me and the Michigan AG whereby it stated in the spirit of customer satisfactionand as a one-time courtesy, we waived the {$180.00} excess wear charge. 

On account of this letter to the Attorney General waiving the wear charges, I made certain reliances including that I would not be made to make any payments. However, Ally has gone back on this representation and now engaged both a collection firm and sought to negatively impact my credit report. Section 807 of the Fair Debt Collection Act prohibits the very fraudulent conduct being conducted by Ally.

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