vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My account at the time was altered without my knowledge or consent, due to an accusation based on Bank of the west records ( that the company refuses to give me copies of ; provide burden of proof ). My only proof that these alterations made to my account, which placed my balance- {$260.00}, as well as hinder my ability to provide for myself as a XXXX XXXX XXXX XXXX during the duress of the pandemic, has been the word of this bank and the forgery of my transaction history, accompanied by the original receipt of forgery by bank manager XXXX XXXX in her own hand writing. I have made several requests for the company to rectify this and turnover documentation used to support the alleged ATM error in connection to the {$500.00} bank error my account was accused of being responsible for, thus far they have ignored my requests, closed my account with a derogatory remark, and sold the forged debt to a collections agency, which is now creating a hardship upon my credit history. The only response received by Bank of the West in regards to my request for investigation has been in response to a complaint made by myself to the California Department of Business Oversight. The events in this investigation held 3 months prior to the initial request did not accurately depict the events that took place, B.O.W. has repeatedly ignored my written requests to comply with FTC regulations and has slandered my good name as a consumer, and inflamed the attack on my credit. These practices have been harmful to my livelihood and continue to harm my pursuits to have a better quality of life. I am in need of assistance, in any form to help rectify this situation, I am not financially able to fight this, to which I am sure they have been counting on. This nightmare began on XX/XX/2020 and is curent.

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 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have over the last 4 months been working with my current mortgage company ( see attached ) to refinance my loan to receive lower interest rate and lower my monthly payments due to Covid - 19 pandemic impacts on my needing help so as not to loose my home. I loan was denied and was not fairly explained I have reached out to them on several occasions with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several inquiries on my Transunion report specifically occurring on XX/XX/XXXX, I asked TU to remove but they did not.

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 2021-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 2288984 Ontario Inc.
State: WI

Complaint narrative:
Hi XXXX, We would like to speak with you so that we can finish processing your request for a new Installment Loan through MoneyKey for up to {$5500.00}. If approved, any requested funds may be deposited into your bank account the same business day2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX i sent a hippa letter to XXXX credit Bureau on XX/XX/XXXX they sent me an notification on XXXX stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that XXXX  was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and transunion was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date

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 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between 2 - 3 months ago, I applied for a 2nd JPMorgan Chase credit card ( possibly XXXX XXXX ) online, and received message that the company would get back to me. After about 3 weeks, I opened a checking account with JPMorgan Chase, and the branch Banker called the Credit Center to inquire on status of application, but could only confirm the application was received. 

It is now about 3 months, and still no disposition on the application. At time of application, I had less than $ 1k aggregate debt on credit bureaus, over $ 100k income, and FICO scores in the 700 's with all three credit bureaus ( e.g. approx. 740 with XXXX ). 

I believe JPMorgan Chase has violated Section 1002.9-Notification of Regulation B by failing to provide its disposition of a " completed application '' within 30 days. Request your intervention into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
on the date of XXXX XXXX .PNC BANK provide a cashier check in the amount of / {$10000.00}, without my written permission for an alledged debt. this caused me damage/ during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I filed a dispute with the incorrect items on my credit report. It's been well over 30 days and I Haven't received any investigation results.

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 2021-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have been charged {$120.00} in late fees year to date. I am requesting to have all of the late fees refunded to my account. Most of the time, I've been paying on this account. XXXX XXXX failed to deliver the furniture to my home. It wasn't until XX/XX/2021 that XXXX XXXX delivered the right furniture to my house. This ordeal caused unnecessary fees because I was paying for an item I did not have. However, Synchrony Bank was adamant that I continue to pay despite being documented that American SIgnature failed to deliver the article because it was on backorder. Then once delivered, it was the wrong color.

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: NC

Complaint narrative:
XXXX Lending Tree pulled my credit without my permission. I never requested any information from them. I never gave them my social security number. I simply clicked on an advertisement and they automatically stole my info and sold it to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
It's the Nordstrom Retail Credit Card. However, I've learned that Nordstrom credit cards are issued by TD Bank USA, N.A. Nordstrom is TD Bank USA, N.A.s service provider for the Nordstrom Credit Card program. 

I submitted returns in XXXX. It's XX/XX/XXXX, and they still haven't credited the returns to the account. They show on the XXXX and XXXX statements, but when I called, I was told they weren't officially processed. 

In my XXXX billing, I hadn't paid the full balance, because I knew I didn't actually " owe '' any additional funds. I had made other payments, but I knew that I had an additional {$200.00} coming. 

What really bothers me, is that Nordstrom gets to decide when to process those returns. In the meantime, they've charged me both interest and a late fee for not paying the final amount ( that I would ultimately get credited back ). 

It's also not like the returns were sent back a week ago, they were returned in XXXX XXXX. It's late XXXX. Incredibly deceptive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have an account with XXXX, a cryptocurrency exchange. 

In early XXXX I noticed a possible security breach related to my 2 factor phone settings. As a response, Gemini froze my account. 

Since then, after 3 separate support tickets and 6 emails bumping them, they have had zero response, and have not taken further steps, including to unfreeze my account. 

I have asked them for status updates and to unfreeze my account so I can at least transfer my money and shut down the account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XXXX XX/XX/XXXX, I went into active duty-army status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via USPS mail that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Capital One 's military service department and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 3 years to the date I filled my original petition before I received approval ( on or about XX/XX/XXXX ) and because my account by that time, was paid and closed, received a reimbursement check of roughly {$1800.00} for the paid overage. Although this was an importantly rectified piece of the problem, it did not help with my credit reporting and attempt at hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Collection is not from original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX I bought what I thought was a real XXXX XXXX phone case. Its fake I found out and its never been delivered so I want a credit but Barclays cs wont when I dont have the item and the item to be delivered is fraudulent and fake anyway

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 2021-09-26 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation. 


I have complained to the CFPB numerous times and the companies claim that there is more than one person on the complaint and that they can't release information to third parties. I have furnished them my ID, pand proof of address to properly identify myself as the person making the complaint. It is clear that these are dishonest tactics the credit bureaus are using to evade that fact that they are not in compliance with the Fair Credit Reporting Act. 

I demand my request be taken seriously and that the erroneous and unverified information be removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XXXX XX/XX/XXXX, I went into active duty-XXXX  status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via email from the company that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Ally Financial and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 10 months after the initial loan and car purchase ( XX/XX/XXXX ) before I was granted this account adjustment. However, too late before Ally reported on going payments as late and marked me in a delinquent status ( reported twice : XX/XX/XXXX and XX/XX/XXXX ). Furthermore, I did not receive notification on reimbursement of overpayment on this loan from the months prior given he applied rate adjustment according to SCRA regulations.

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 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
applied for an account as their ads state can start trading in 20 mins, applied on XX/XX/XXXXit is now XX/XX/XXXX emailed them twice to ask why it is taking so long, have yet to receive a response other than the automated generic email response that we got your request for support. horrible customer service and false advertising for the ads they are using to promote their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
This company ran a credit check with out my permission. I have never applied for credit from this company, nor have I applied for credit from any company since XXXX. I am very upset. It is wrong to illegally obtain personal information to run a credit check just to advertise to them. The credit check was ran on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this Complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Upstart Network Inc illegally obtained my information and ran a credit check in order to advertise to me. I have never given them my social security number, nor filled out a loan request. They hacked my info and filled one out for me, then ran my credit. There is no signature from me giving my permission, nor have I ever even clicked on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNC/SYNCB Ran a credit report without my permission, nor without me even reaching out to them in the first place. They purchased my information then ran my credit in order to advertise to me. I don't need a loan in the first place, so I never even clicked on their site. Even if I did click on their site they hacked me to get my info. This is wrong..

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 2021-09-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was 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 2021-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This is in regards to my Comenity credit card for Victoria 's Secret. My payment due date is the XXXX of every month. On XX/XX/XXXX, XXXX I paid the balance of my victoria 's secret credit card off {$170.00}. This reflected a {$0.00} balance. I had no intention of using this card for at least another 4-6 months. Apparently they started charging me finance fees & late fees for not paying the finance fees on the card that had a {$0.00} balance. I called customer service and she explained it was " residual finance charges '' on the {$170.00}. She would be willing to wave one of the late fees as a one time courtesy. ( {$7.00} ), and then conveniently the call was disconnected. This is completely fraudulent and misleading. I paid the full amount of XXXX 3 days prior to it being due. I should not have to check monthly if they want to charge me finance charges after the full amount was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26 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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this Complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.

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