vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from XXXXXXXX XXXX stating that my identity was involved in a security breach and my identity may have been compromised. Then the very next day I received an email saying I needed to verify the invoice that was attached prior to XXXX completing the transaction. I did not approve and stated that the invoice was not mine. While driving home I received a text message saying it was XXXX and that I needed to verify my identity because it appears to have been stolen. They read my account information and then asked for verification. I had 4 different transactions. They said I should go to the nearest XXXX XXXX to verify my identity im person. Take my driver license and charge card I said there was no XXXX store nearby. He then asked if XXXX, XXXX, XXXX or XXXX were nearby. I said yes of course. He then asked me to go to one of those stores and purchase 2 gift cards for {$500.00}. I said no I am not gon na do that because I would be out of more money. He explained it was not even going to show up on my account as he was going to put the money into my XXXX account and send me a copy of the transaction. He then did exactly that, or so I thought. I winded up going to 2 more stores with the total monies spent was about {$4000.00}. He thanked me for my assistance and said to be sure and check to see he had been on the up and up. Needless to say when I got home and saw my bank account was - {$520.00} I had a good cry jumped in my ran back to the stores and told them what happened. They checked the card and they had a zero balance.. I got a case number for their report and said I should contact my bank. When I contacted my bank I was told they could not even submit a report because I had made the payment. I said they could not be for real. I even had a request to get notified when any transactions over $ XXXX was notified alright after I spoke with them. I unfortunately was ride to the lady on the phone and hung up, The next day I decided to try again. I wanted to at least have a report filed. This time I had a very nice gentleman on the phone who was very nice and was more than happy to file a report for me. I have been pursuing alt of the agencies I could find to file a report and I froze my account. Please advise me as to what I should do next. Looking forward to hearing back from you soon. Thanking you in advance for any assistance you can provide.

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 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
THIS ACCOUNT WAS FARUD AND WAS OPENED UP IN MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To : CEO/CFO/ LEGAL DEPARTMENT OF CAPITAL ONE N.A XXXX I XXXX XXXX XXXX come to you in Good faith and Honor to exercise my rights that the Law allowed me on a consumer credit transaction and rebuttal a Letter that I had received from you guys dated XX/XX/2023, With account ending # XXXX that my account been closed and copy has been download on this complain. On that letter you said reason of my account been closing without my consent, ( violation ) are because activity on this or another account are not consistent with our expectations for account usage and violates the capital One Customer Agreement. Really? What expectation? What another account? And that I still responsible for paying full amount. Really? Well like in any dispute or complain, any claim " hear said '' without any evidence contract is Void, Right? Any violation or activity that you claim under the Law or Agreement as a " CONSUMER '' allowed me to Exercise on a " CONSUMER CREDIT TRANSACTION with account ending on # XXXX if you can't prove it with the Law, " not hear said '' is null, and any balance under 15 u.s.c. section 1666d on excess of {$1.00} on account is send back to obligator after six months of account opens, by creditor in Good Faith. Now unless you can prove with the Law that I'm wrong and you right on " Subject Matter '' everything on that Letter is False and Misleading and is a Violation 15 u.s.c. section 1611 : criminal Liability for willfully and knowingly. And under 15 u.s.c. section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) " ECOA '' " FCRA '' " TILA '' NO ONE CAN BE DENIED OF CREDIT OR REVOCATION, A REFUSED TO GRANT CREDIT TO TERMS AMOUNT REQUESTED AND A NEGATIVE CHANGE IN ACCOUNT TERMS IN CONNECTION WITH UNFAVORABLE REVIEW. At this time we request for Capital One N.A. to send us a " ORIGINAL AGREEMENT '' on the " SECURITY INTEREST '' where you claim I own you the debt. At the same time request to fixed all past, late or delinquency payment on credit report, because under 15 u.s.c. section 1681a ( 2 ) Exclusion : consumer report does not include ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. Meaning everytime Capital One N.A. Make a report as late payment or delinquency is false and misleading on someone credit report and is a violation of {$1000.00} for each violation Under 15 U.S.C. Section 1681n. Meaning as right now Capital One N.A. Has report to my credit report late payment 3 times on all 3 different credit report agency 's meaning you own me {$9000.00} because is everytime you reported. Send to my address on file with account. So if illegal to report " LATE, DEFAULT, DELINQUENCY on a Credit Report, what Im paying for if nothing is late or delinquency?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have tried on numerous occasions to have PMI insurance removed from my loan as I bought the house for XXXX in XXXX which is now worth over XXXX, I did refinance in XXXX with the same mortgage company for a lower interest rate, but the company failed to inform me at the time that the law changed on FHA LOANS. I currently owe XXXX but still pay PMI at a higher rate than even the automized payment schedule states. According to the document given to me I should no longer be paying PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: NY

Complaint narrative:
This account was disputed for inaccuracy reporting on a closed account with monthly payments being reported, account was paid with no update to balance due or owed after the dispute results came back as updated nothing was validated nor fix after I reached out to representatives about the dispute the phone was hung up in my face

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 2023-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My XXXX loans were transferred to MOHELA in XX/XX/XXXX while I was in the process of applying for TEPSLF. I have 174 eligible payments ( only need 120 ), but only 31 have my employment certified. My form to certify the remaining was submitted on XX/XX/XXXX. It has twice been erroneously processed by MOHELA. After requesting it to be reprocessed, waiting for the second 90 day processing period, and receiving a 2nd rejection based on their error, I called MOHELA to speak to a supervisor on XX/XX/XXXX. This supervisor, XXXX, looked at my XX/XX/XXXX submitted form and agreed there was nothing wrong with anything on it. She made notes on my account, and put it forward to be reprocessed in 3 business days. Its been 11 business days since then. I called to check on it and was told by the person at MOHELA that yeah, it shows its still open. Were not really processing things on that 3 day timeline. 

I initially started this process in XX/XX/XXXX with XXXX and since everything was transferred to MOHELA they have continuously and WRONGLY processed my form. I have been very patient up until now, but this is significantly impacting my financial well-being by keeping {$130000.00} on my credit report while repeatedly making errors in the processing of my account for almost 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have both personal and business checking accounts and credit cards with Chase bank- have been a customer for 10+ years. 

XX/XX/XXXX ( XXXX PST ) : I received four ( 4 ) emails from Chase that my contact information, email address, and phone numbers were changed. Note that I personally did not initiate, request, or approve of these changes. It was clear that someone had access to my account, first requested a change to my contact info and email address and subsequently changed my password. 

I was then locked out of my account, called a customer service representative through the credit card line at XXXX ( XXXX XXXX XXXX XXXX ) since the fraud department was closed and that representative helped me reset my password and gain access to the account. 

The following day ( today, XX/XX/XXXX ) I contacted Chase 's fraud department for several hours trying to understand what happened. After going back and forth with customer service representatives, they revealed that the fraudster called their customer service line, bypassed the security question ( via public record knowledge ) and was able to change the contact info without any additional security verification or measures in place. This all happened without any two-factor authentication with SMS or phone call, etc. 

The fraudster was then able to request a transfer of XXXX Chase Ultimate Rewards points to two separate accounts within Chase via phone call (! ) - again, with no notification to me or any other security measures. 

I am appalled at Chase 's lack of security within their online ecosystem and lack of protections and measures in place to prevent this. Almost all other credit card companies have better security to combat this basic fraud/scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The check was sent to me by XXXX XXXX company after my house burned down that I received in my divorce in XXXX 2018 and my house was then burned during the hurricane that came through XXXX XXXX North Carolina in 2018 and burned to the ground and I used the insurance check to pay off the morgage since it was gone and the morgage was still in my mine and my ex-wife names and had to settled Since the divorce was finalized and I was given the home in XXXX XXXX, NC and what was left over which was {$40000.00} which was to be sent to me by Wells Fargo which I've been trying to get sent to me through a wire to my bank or mailed to my mailing address which is XXXX XXXX XXXX XXXX, NC XXXX and my name is XXXX XXXX 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
This situation occurs when I went to get my car approval, they pull up my credit record and it shows that my information is being mismatched with the same name person. I contact with Equifax and XXXX XXXX about this problem, I send them my documents whatever they required. I submit my dispute on XX/XX/2023 and its been over a month and still on progress on my dispute. I called them several time their representative told me that my file is still in progress and some of them said its done wait for the confirmation. According to there guidelines the dispute take 5-20 days. I call them and they keep telling me its done you will get the confirmation in next 48 hours, i heard this thing 2-3 times from them but still no any confirmation. My information is still incorrect, I still have someones student loan on my name, my address is wrong, my social insurance number is wrong. My whole credit file is incorrect and they didnt even touch my file yet. Why they keep their customers to wait for this much time, if they cant solve the problem in that particular time why dont they change their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC SECTION 604 a section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

There was no authorization for this comoany tonhave my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EXPERIAN there still are inaccurate reporting. EXPERIAN verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 



This account below is inaccurate from the... 

OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EXPERIAN HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EXPERIAN BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH AS PAID OFF ) EXPERIAN DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). Also, this is no longer a time to reinvestigate as i have given proper time and notice according to the fcra now I demand you delete this account from my consumer profile. 



Attached is all documents and reports regarding this dispute. 

Original Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EXPERIAN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest loan. Traded XXXX XXXX. XXXX for XXXX XXXX XXXX. Loan for both cars with Bridgecrest but loan for XXXX still shows on credit report making it appear as if I owe XXXX total but it should be ard XXXX. Need this corrected

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 2023-03-11 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: TX

Complaint narrative:
The reporting company, XXXX XXXX XXXX, is violating my rights under HIPPA Law for account # XXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.

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 2023-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 USC 1681 C-2 15 USC 6802 XXXX XXXXXXXX XXXX XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any XXXX permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft

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 2023-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
CITIBANK executive staff member, " XXXX '' told me on a XX/XX/XXXX phone conversation that she was going to next day air my funds from a closed account, including interest. She specifically told that only " because of the weekend, '' that it could be Monday, rather than Saturday XXXX XXXX XXXX XXXX XXXX  She told me that the CALL WAS BEING RECORDED, and yet, she never told me, ever, despite very diligent and clear conversations we had ( all of which will be evident on the audio recording ) what she wrote in the letter on my previous complaint, " we submitted your account closure request and were advised that it is currently taking 10-15 business days to complete the closure and receive the check by mail. Unfortunately, expedited requests are not being accepted at this time. '' She lied to me, and never followed up with a phone call, E-mail, or other notification noting this apparent change. I have filed a second police report, and have contacted my local media outlet for advocacy. I was promised my funds from the closed account on the latest, Monday, XX/XX/XXXX, and was lied to. 

Again, the funds are not in my possession and I consider them missing or stolen by CITIBANK. This has been the case for weeks now and I am asking for the CFPB 's critical and urgent assistance with my theft

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