vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Somebody got access to my bank account so I went to my bank which is Santandar and they close the account. We went through the fraud department. This was in XX/XX/2023. It is now XX/XX/2023 and they are so refusing to refund me all my money I give them a police report statements everything that they have asked for theres over {$13000.00} that was withdrawn out of my account and they froze my old account once I went to, the fraud department and they told me that it was frozen and with that they still let funds go on the frozen account I gave him a police report. I went to the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  was created as well and they saw that it was fraud, so I had those notes sent in, they owe me {$13000.00} and they are refusing to give it to me even though they are insured attached is the link to what happened I went public with it https : XXXXXXXX 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 2023-12-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello. I've sent in request to have old address and names taken off my report profile with XXXX, Exuifax and XXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello. I've sent in request to have old address and names taken off my report profile with XXXX, XXXX and Experian. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.

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 2023-12-29 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: FL

Complaint narrative:
I ask the credit reporting bureaus to do a verification of validation of debt. All credit reporting agencies stated that the debt were verified. I also requested how and who these credit reporting agencies used to validate person ( s ) debt. After several months I still have not received any communicating with Original contracts showing debts are validate as my debt. I personally did some research myself a found many inaccuracies that proves the debt was not properly verified. 

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Yes I received my Capital one credit card a week ago activated it and set up everything for the account alerts, verified email, and verified my mobile number and its set up at priority. I used the card at a gas station for the first time after this first and ONLY PURCHASE I had to call to verify that I was making the transactions and it was not fraudulent which I told them I was the one who is using the card and I was authorizing the transactions NO FRAUD WAS BEING DONE!!! Told account was verified and restored for use well it's not worked at!!! 

I'VE CALLED OVER 50+ TIMES AND CHATTED OVER 20+ TIMES AND KEEP GOING THROUGH THE SAME THING AND KEEP GETTING TOLD ITS FIXED AND RESTORED FOR USE BUT IT'S NOT I DON'T LIKE BEING LIED TO!!!! 

I'm getting alerts that are set up it's just not right and no one person should have to go through this or keep having to do it there is nothing saying anything about it being restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I originally applied for XXXX assistance in XX/XX/XXXX prior to missing a payment as I had been unemployed since XX/XX/XXXX and my unemployment income ran out. Online, it kept saying that my application had expired and I needed to do a new one ( I had just completed it ). I called Freedom Mortgage on XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX and she was supposed to submit the XXXX request on her end. She stated I would have a decision on XX/XX/XXXX. 

After the application supposedly went through, documentation was requested and I provided that documentation on XX/XX/XXXX via e-mail, within the timeframe I was allotted. I received a phone call XX/XX/XXXX, which had no substance to it. They asked if I had any questions and if I submitted my documentation ( they should be aware that I did ). She also stated they previously requested " Letter From Agency ''. Again, information I already know and already provided them. She asked if I knew which agency they were talking about. " Letter from Agency '' is vague and does not specify what they need or from whom. However, unemployment agency and food stamp information were already provided in the XX/XX/XXXX e-mail. 

I made a payment XX/XX/XXXX and on XX/XX/XXXX, I received an e-mail that said my account status has changed. I logged onto the website and it no longer says my account is in XXXX XXXX XXXX. When I try to look at my application, it is again saying that my application has expired and I will need to submit a new one. 

This has been the endless cycle of submitting and resubmitting their applications. They claim you have online access to view your account, but when you go online and click on XXXX application it circles you back to another webpage and you can never get the information you need or want. They even admitted on a phone call that it does not work properly ( XX/XX/XXXX phone call ). 

This has been beyond frustrating and should be unlawful to have a process that takes you in a circle because they do not really want to assistance with a loan modification when the consumer is having extenuating, short- term circumstances.

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 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, I had an alarm system installed at my home via XXXX. I was informed that I had to take out a line of credit ( CitizensPay- Division of Citizens Bank ) to have the equipment installed. After being approved for the line of credit for the equipment, the system was installed. I paid off the credit for the equipment. However, after paying off the line of credit, I had returned one equipment item ( {$100.00} ). A XXXXt technician removed and the equipment was returned in XX/XX/2023. Ive been told many different things regarding the refund ( ex. Its on its way, the check is in the mail. ) When I called today, I was now told that this issue has to be researched. Ive been exceedingly patient, but I feel Ive been given misinformation about refund. As of today, the account is still active after asking for the account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Attaching receipts of the travel booking made for airfare and cruise where the company XXXX provided us with an unsanitary room and non functioning shower/bathroom, pictures attached. They offered a partial refund for {$1500.00} and never gave it. Reached out to Amex for full refund for {$3000.00}. Claim was not fully investigated and closed without fair review. The entire ship was fully booked and they were unable to accommodate us into another room until the end of the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are reporting me as such.

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello to whom it concern, XX/XX/2022 I was working with a XXXX XXXX and two of my coworkers endorsed me a check because they owed me funds. Chase cleared the checks and froze the account. I went to the bank and they said they needed to verify the checks by phone. 
Its been a XXXX now and my account is still frozen. I have called several times now to get my account open and have my funds released. They still can not verify the number. So the 3rd party who endorsed the check went to the bank to show his two forms of identification which the most typical way. When he went to bank they said, no, that they have to call him. He gave his phone number and they said no, its not verified number, hes right there at bank with his identification and everything. He drove an hour to the bank to clear this situation and they said it would not work. Hes given all his personal numbers to them and they say no, not verified. Hes talked to his phone providers and they say his number is verified. I have called many many times to chase. Finally last week I called and FINALLY his number was verified with his name. She called him and verified the information. She said everything went through. They called and spoke to him he confirmed the information amount and maker of check, all she requested. She asked me to call back in 5 days to get an update. I called back on XX/XX/XXXX and she confirmed all went through again. All I had to wait for the check to be sent. I called today XX/XX/XXXX to check the update and they said that my account is still frozen and my funds havent been released that they had not even spoken to the 3rd party. How is this possible? If just a few days ago I got confirmation twice that this had all gone through. And now they are saying that its not verified but it was verified a few days ago? I am not sure what to do at this point. I have given all information they needed and 3rd party as well. I sent an email to some executives advising them I can personally go with the 3rd party to the bank again if needed. How can they continue to hold my funds?. They were verified already. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Rental history and eviction is inaccurate, has already been disputed and removed from all 3 major credit bureaus

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXXXXXX XXXX account number XXXX XXXX, Equifax, XXXX 2 ) XXXX account number XXXX XXXX Equifax, XXXX 3 ) XXXX XXXX account number account XXXX XXXX, Equifax, XXXX 4 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 5 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 6 ) XXXX XXXX account number XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I noticed I had a collection with CKS Prime back in XX/XX/2023. I paid in full the amount due which was {$640.00} on XX/XX/23. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. CKS Prime is saying that the debit paid is to a different creditor. That is false I paid CKS and have acknowledgement from CKS I owe them nothing. CKS kept the payment and never returned the money if I owed someone else, I am due a refund from them. I asked for verification on the collection that is reporting to my credit bureaus. I never received verification or proof I owe CKS. Strangely, the amount I paid is the same amount reported to XXXX, XXXX, and XXXX. I will attach tracking information which shows it was received from CKS Prime. At this point, I need two verifications, one for the {$640.00} and another for the collection still reporting for the same amount.

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 2023-12-29 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: NV

Complaint narrative:
i requested an increase on my kohls credit card through the website and was called days later to verify i requested an increase, i informed them that i had requested an increase, at this time i had requested an increase at least 7 times prior and have never had a hard pull on my credit. within 5 minutes of getting off the phone with the rep i get a notification on my phone that kohls has gotten a copy of my credit report. i then call back and ask them why there was a hard pull and why would they not disclose to me that there would be a hard pull before my credit was run and they state to me that they never disclose if its a soft pull or a hard pull. at no time did i agree to have a hard pull as the previous times there was never a hard pull its always been soft, at this point i was sent to the credit department and they explained to me that there was nothing they could do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
They stopped sending me my statements for no reason. The loan was behind then paid up for 3 months. I send in an additional month so that my mortgage would not be due until XX/XX/XXXX, XXXX After I complained three months for them not sending me my statement. They finally sent me a statement saying that my mortgage went from XXXX to XXXX. I have a fixed rate and my insurance has stayed the same. My taxes have decreased. I am so XXXX tired o this mortgage company playing games with my mortgage and increasing fees/ They have not given me an answer for my mortgage payment that I paid in XXXX for XXXX. You really need to look into this mortgage company They have ties to XXXX XXXX and that should e illegal. XXXX XXXX send me a refund check stating that they made a mistake with my mortgage when it was sold and they owed me money. These people at specialized loan servicing are crooks and are stealing money along with houses! Something needs to be done! I am so XXXX tired of this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation