vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
Good afternoon, This complaint is against FCI Lender Services , Inc . The escrow was delayed because of the Buyers getting approval for the Loan. The first XXXX payoff requests were ordered and received within one day. Now, the escrow officer has called numerous times and has been waiting for 5 days. They are waiting for the Final Update and the transaction has funded and recorded. The Escrow officer is being told that they are waiting for the Lender to sign off on the demand. In the meantime there are exorbitant fee 's of {$200.00} per day being accrued. What is the delay? 
Thank you, 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i wrote your company last month on XX/XX/2024 and im being ignored which is a violations as my rights. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As of XX/XX/24 there is inaccurate information reporting to Transunion, XXXX, and XXXX. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
As of XX/XX/24 there is inaccurate information reporting to XXXX, XXXX, and Equifax. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid XXXX for a food service which was cancelled and I was told I would get refunded, after disputing the transaction the banks have declined it without providing documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX : I requested a virtual card ( loan ), from Affirm to buy women 's footwear from a company called XXXX. I was approved. 

XX/XX/XXXX : I placed my order. Later, that same day, my order was cancelled by XXXX because what I wanted was out of stock. 

XX/XX/XXXX : I called Affirm to cancel the card/loan, notifying them that I would NOT be utilizing it, and the reason why I would not be using it. I was told by Affirm CSR that they would NOT cancel the card or loan until XXXX, notified them of the cancellation and released the amount held. 

XX/XX/XXXX : I called XXXX and they said they would release the amount and notify Affirm. 

XX/XX/XXXX : I submitted all this written documentation between XXXX and myself to Affirm as proof that I was NOT USING, had not intention to use, the card/loan. 

XXXX XXXX ongoing : AFFIRM FAILED to follow through with their own policies. That is : Cancel the card automatically after 24 hours, and only allow the card/loan to be used at the requested merchant : XXXX. 

XX/XX/XXXX : Unbeknownst to myself, many footwear stores were hacked by Cyber-criminals who stole the credit card numbers. My virtual card was among those stolen and misused. I was notified of this by a Cyber Security Company in writing. I promptly sent this information to Affirm and INSISTED they IMMEDIATELY cancel my loan/card as this is PROOF the card/loan number is OUT OF MY HANDS. 

XX/XX/XXXX- Ongoing : Affirm REFUSED. A Senior member of Affirm came on the line and read off a list of charges at various different merchants I have never heard of. There were charges at a tool store, a fishing store, and baby stores. I am a XXXX XXXX XXXX woman with no interest or need for any of those items. I continued to object and state that I have proved that my card number was stolen. FURTHER, if Affirm had simply followed their stated protocol, and CANCELED the card in 24 hours, AND, only allowed it to by used at XXXX, where I requested it to be used, NONE OF THIS COULD HAVE, WOULD HAVE HAPPENED. 

XX/XX/XXXX - ongoing : Still, Affirm holds ME liable for purchases I never made and has sent me to collections for purchases I never made. I called my local law enforcement department to file fraud charges. They indicated to me that, because this is a cyber crime, my best bet was to contact CFPB for help. 

XXXX XXXX : I tried asking for help from the CFPB once. 

XXXX XXXX : Affirm responded with the same " canned answer, '' -- I am responsible, but they will investigate further if I have more evidence. -- What more can I give them? I have provided my order to XXXX, the cancellation from XXXX. XXXX has provided them with a copy of their returned/released funds. I have provided Affirm also with a copy of the notice that the credit card number -- virtual or not, was HACKED AND STOLEN. 

WHAT ELSE CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation. Please delete these fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information regarding account number XXXX appearing on my credit report. This account is being reported with several errors, violating the Fair Credit Reporting Act ( FCRA ). As per the report, the current balance is outstanding. However, this account is uncollectible due to the statute of limitations in the state of Texas being 4 years. The debt has passed the legal window for collection as it was closed in XXXX. The report lists the account as open. However, the account has been closed since XXXX. The report shows two separate accounts with the same account number ( XXXX ) but different balances. This is a clear violation of FCRA regulations. I previously sent a debt validation request to the original creditor on XX/XX/XXXX, but they failed to provide any verification of the information they are reporting to you. Please find a copy of my credit report highlighting the disputed information ( attached ) and a copy of the debt validation letter sent to the original creditor and credit reporting agencies ( attached ) which is dated, and time stamped.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation. Please delete these fraudulent 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 non-monetary relief
Consumer complaint received 2024-03-06 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: FISERV FINXACT CORE
State: IL

Complaint narrative:
On XX/XX/2024, my debit card information was hacked or stolen, but my card was is in my possession, and never left my possession. Someone wiped my account clean. None of the transactions that were made were mine, and the total of {$820.00}. My card is setup to notify me whenever any transaction over {$40.00}, I received no notification at all the whole weekend. So on Monday XX/XX/2024 I tried to pay my car insurance, and my card was denied I looked at my account and it was a - {$67.00} then I called Money network to dispute the charges on XX/XX/2024. I have a debit account its never supposed to be in the negative. Ive been a customer for XXXX years and Ive never had this problem before. I asked them did I need to fill out a police report because this is my first time dealing with something like this they told me no just fill out a dispute form in which I did and today XX/XX/2024 I called them back to get the status of my dispute. They said it was denied because someone used my pin number which is not understandable because no one had my card. I still have access to this card right now. And never ever gave anyone access to my account card or information. The charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3.00} ATM Balance Inquiry Fee Can I be contacted by a XXXX regarding this issue. What should my next steps be?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Subject : Complaint Regarding Lack of Notice from National Credit Systems Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems regarding their failure to provide proper notices in accordance with consumer protection regulations. Specifically, I have not received any notice of dispute or notification of the purchase of a debt from the original creditor as required by law. 

I became aware of a collection account on my credit report from National Credit Systems. However, I never received any communication from them prior to this, informing me of the alleged debt or providing me with an opportunity to dispute it. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive such notices before any negative information is reported to credit bureaus. 

Furthermore, I have not been notified by National Credit Systems that they purchased the debt from the original creditor. It is my understanding that consumers are entitled to this information under the FDCPA, as it affects their rights and options regarding the debt. 

This lack of communication has caused me significant distress and has potentially damaged my credit standing unfairly. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against National Credit Systems for their violation of consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CO

Complaint narrative:
I started making payments on my student loans when repayment started in XX/XX/year>. I am on the new XXXX plan which cancels out any remaining interest when payments are made on time. I have made every payment on time as instructed and my interest is still going up. When I inquired about this through email and calls, I received conflicting information, but none of the information was consistent with the government XXXX plan that I am currently on. My interest should not be accruing as it currently is. My balance should be the same as it was in XXXX prior to payments restarting based on information from student loans.gov. I have tried to get the money refunded, and I am always told something different from EDfinancial each time, but I never get a resolution. I would like my money refunded as this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
The Loan Servicer Mohela has " lost '' my payment history and has reverted my balance to XX/XX/2023 ( over {$5000.00} higher than the correct amount ). Despite many attempts and over XXXX hours on the phone, I can not get ahold of anyone with the agency to fix Mohela 's mistake. Meanwhile, I am being charge interest on this incorrect balance every day. I need help holding Mohela accountable for not only mismanaging my loan, but not responding to my attempts help them fix it. 

I have bank statement evidence of payments made to Mohela that Mohela has lost and I have photo evidence of the previous balance before they lost the payment history. I also have evidence of my repeated attempts to resolve this over the phone and via email/document upload.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CREDIT MANAGEMENT {$330.00} OPENED XX/XX/year>. ACCOUNT IS NOT MINE DISPUTED SEVERAL TIMES!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021 I froze my business account due to fraud by someone taking me off my account. There was {$11000.00} in the regular account and over {$36000.00} in the other one.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
J P Morgan Chase inappropriately applied my additional payment of {$1600.00} to my XXXX interest balance instead of the additional charges to my credit card that has the standard interest rate. This allocation of my additional payment does not comply with the Credit Card Act of XXXX. The XXXX interest balance is on payment that extends to XX/XX/XXXX. The XXXX interest balance amount that was remaining was approximately {$800.00}, which Chase eliminated by incorrectly applying my additional payment. On XX/XX/XXXX, after reviewing my statement on-line, I contacted Chase customer service and spoke with two customer service representatives, one of which indicated she was a supervisor ( XXXX and XXXX of spelling ). They told me that there was nothing that they could do to allocate my payment appropriately and that this is just how their system works. They also refused to provide me the names of anyone else in authority who could provide assistance. They said if I wanted to complain further I could send a letter to an address in XXXX, Ohio, with no one identified as the recipient of the complaint letter. My request is that Chase apply my additional payment to the additional charges on my credit card and leave the XXXX balance payment in place through its contract period of XXXX. Please note that I also filed a complaint ( No. XXXX ), as I was unsure as to the appropriate authority to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX of 2023 I was a victim of an employment scam. I had sent money through Venmo to the scammer with fraudulent checks the scammer had sent. Causing the bank to take the money from my own account due to fraudulent checks. When I discovered this was a scam I contacted my bank to put stop payments with the bank and with Venmo since they had requested to send the money through Venmo once fraudulent checks were sent. Venmo did not issue the stop payments leaving me with a negative balance on Venmo of XXXX. They did not issue the stop payments for whatever reason. I filed a report with the police. Since I was a victim of an employment scam and Venmo did not act efficiently enough they expect me to paid the owed balance. They call me frequently but do not leave messages or send mail to my home address. 

Falling for employment scams is humiliating, and degrading. I understand now the complex scams that people use by posing as recruiters, and having email addresses that resemble that of the company. These scammers pray on people trying to better their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief