vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My accounts both savings and checking were frozen by Navy Federal due to a garnishment filed by XXXX XXXX XXXX, XXXX. The garnishment itself is originally dated XX/XX/XXXX. The funds frozen are in the amount of {$370.00}. These funds are from my monthly Social Security payment direct deposit. My issue is the funds should be protected legally from garnishment and the actual garnishment judgement is XXXX XXXX XXXX. In addition information I received from XXXX XXXX XXXX indicated that it involves money allegedly owed to XXXX XXXX Bank and XXXX, both organizations that Ive never had a financial relationship with. From the beginning date of the judgment I was employed at several companies until my full retirement in XXXX more than ample time for this issue to be brought to my attention as I did not receive any notification of this action until XX/XX/XXXX, leaving me unable to pay critical monthly expenses necessary for my survival.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I tried to close my account because this company added an maintenance fee without notice. I canceled the account and now I see an additional charge of XXXX for protection that I never signed up for. Their statements do not reflect what the account would look like after 1 year and all these new fees are new, I do see why the fee popped up after I canceled my account not before I canceled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account 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 non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from Springs Oaks Capital LLC debt collector Reference XXXX, claiming that as of XX/XX/XXXX I owed {$1300.00}. I reached out to the company and explained that I was not the owner of the debt. Spring Oaks advised me to file a police report. In the meantime, I received several calls from Spring Oaks and I continued to explain that I was not the owner. I reported the matter to the XXXX XXXX Police in XXXX XXXX but I was not given a formal report, I was advised to check my credit report so I reached out to XXXX and they confirmed the above. 
I continued to reach out to the debt collectors and they directed me to XXXX. 
On XX/XX/XXXX, I went back to the XXXX XXXX Police department and I refiled the identity Theft Incidence, I received a copy of the incidence report affidavit Report Number XXXX / Filing date XX/XX/XXXX. I also filed the Identity Theft Victim 's Complaint and as directed uploaded it to XXXX XX/XX/XXXX. However, I continued to receive calls from Spring Oaks, an agent advised me to send it to their company XX/XX/XXXX and I did. The matter was not resolved so I reached out to XXXX XXXX XXXX, XXXX on XXXX XXXX. 
Furthermore, The origin of the debt is in XXXX XXXX and I have never resided in any other state besides XXXX. 
I firmly disagree with Spring Oaks that I am the owner of the debt because without any doubt I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked for validation in XXXX of XXXX after looking at my credit report. The debt collecting company sent me validation of inaccurate information which is still being reporting on my credit report. The lease they sent me is NOT my signature.

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 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Good afternoon. My name is XXXX XXXX XXXX. I am writing to submit a complaint on American Express and XXXX XXXX  XXXX. My father, XXXX XXXX was the actual owner of the account. I was the authorized user. No a joint account holder, an authorized user. My father passed away on XX/XX/XXXX. Shortly there after, American Express contacted me and forced me into taking over my father 's account. I never signed anything, but they made me feel worried and scared, obligated to take over my father 's account. Nevertheless, I took over the American Express account and I would make my normal monthly payments. I attended school at XXXX XXXX XXXX and graduated in XXXX. Then in XXXX, XXXX of XXXX to be exact, I had a XXXX XXXX XXXX which caused me to be out of work for sometime. Due to that XXXX I feel behind on my payments. I tried to get current on this account but I was unable to. I gave up on this account because I felt like I was drowing in a glass of water. To make a long story short, American Express decided to sue me through XXXX and XXXX. The amount of stress and XXXX  that this case has caused me has been enormous. Beginning with that I have had to begin taking four different types of XXXX XXXX and XXXX XXXX. XXXX and XXXX have me listed as the primary account holder. When I tell them the actual issue, they say they are unaware of anything. I am submitting the emails that I received and the emails forwarded to XXXX and XXXX. I am asking you to please assist me. I can not pay on this account and now I am being forced into declaring XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My second mortgage was transferred to a new company after closing. The new company added a {$250.00} without notice and also never sent any communication that payments changed during the process. I had payments set up automatically with my bank each month. On the month of XX/XX/2022 I got a notice from my bank that I had a late account on my credit file. I reached out and XXXX ( the mortgage servicer ) told me that I had underpaid and they do not accept payments not of the correct amount. Not once did they reject any payments and not once did I receive any communication via phone, text, email or mail that my account was past due. After showing all payments and even having documents from them that they show payments processed they would not remove the late account on my file. I have tried three times and they are not willing to remove even though their own statements they finally sent me shows payments made and on time.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has locked me out of online access to my card information. I am given no explanation for this. I called customer service and was transferred around from agents XXXX to XXXX to XXXX none of whom could/would solve the problem. XXXX told me she had to ask me a question to authenticate me but didn't have any questions to ask me, so that I had to hang up and call again. 
Another instance of laughable behavior by a bank and its customer service. 
Of couse, customer service did not, has not, and has taken no steps to try to solve the issus of their creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This account has been a charge off reporting monthly for years. It is now paid off completely and per NYS law, it must be deleted as it is over 5 years old. They are refusing to state in writing that it will be deleted and keep telling me to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I paid my card off in XX/XX/XXXX with American Express XXXX XXXX & had them close the account. I was assured account was closed & I wouldn't recieve anymore charges but in XX/XX/XXXX I was sent a message stating I owed {$40.00}, called the company & they verified that the account was closed but they wouldn't take off the fees that they caused. I was told in XXXX the amount I owed & paid it that day. There should have not been any other fees attached but still charged me fees. I tried to get the fees dismissed but they wouldn't which lead to a confortation due to my frustration with this company & their unwillling to remove the charges. I was forced to pay the amount because they ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: AL

Complaint narrative:
Today XX/XX/XXXX I received a call from Flagstar Bank stating that my mortgage was behind for XXXX & XXXX of XXXX. 

In XXXX of XXXX, my mortgage servicer changed from XXXX operating as XXXX XXXX to Flagstar Bank. On XXXX the XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay to pay my mortgage. On XX/XX/XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay my mortgage for XXXX. This alone should would leave any reasonable person to believe their auto draft payments have been transferred over. 

When I received the call today I was informed that my mortgage was behind for both XXXX & XXXX and that the XXXX payment had been reported to my credit as late. She then stated that autopay would have had to been manually transferred in order for my payments to go through. When I asked how they received XXXX and XXXX 's payment, she stated that my previous mortgage servicer sent them through on my behalf. This is wildly convenient because under RESPA 33 ( c ) payments may not be considered late for the first 60 day after the effective date of the transfer. However, because my payment were still being taken out of my account during that time period I never received the protection that this regulation intended. Furthermore, Flagstar is refusing to cooperate in any form to remove this late payment. It should be noted that I never received a document stating that my autopay needed to be changed. The representative XXXX stated that there where several mailers sent out. All of which I have not received. 

I feel that this situation highlights the failings of Flagstar Bank to operate in good faith. They are trying to maximize fee 's and sidestep regulations that intended to protect consumers from this exact situation. I haven't missed a single payment in over 12 years and have had excellent relationships with every financial institution that I deal with. This missed payment was merely the result of a failed mortgage servicing transfer of which I should not be liable for. If you are reading this as a consumer, I highly recommend you consider other financial institutions.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my account was closed around XXXX XXXX I was XXXX XXXX XXXX at the time. I noticed I couldnt login my account , it had said my password was changed when I clearly never shared my password to anyone. I immediately called Bank of America & they told me I can go ahead and close my account and reopen another one I said yes thinking I was going to just open a new account. But when I tried to re open it didnt let me, it said I had been reported to XXXX when it wasnt my fault at all. I please ask for help to reopen my account I cannot even start my credit I am XXXX  years old this is not far at all.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX emailed company to cancel pending transaction and to not ship the order, I dont want to order it, just cancel it XXXX XXXX Charge hits my account, I immediately mark it and dispute it with my bank XXXX XXXX XXXX company emails me back with a tracking number ignoring my request, documentation company sent says day of shipment is XXXX XXXX XXXX I email company again restating what was said in original email, they never respond or reach back out to me XXXX XXXX XXXX Capital one sends me merchant documents and asks for documentation from me. Company documents say item was delivered in XXXX ( I live in XXXX ) and I never even received the item I didnt want XXXX XXXX sent email to capital one with my documentation XXXX. XXXX XXXX call capital one to make sure documentation was received, they said they will send me email confirmation within one week XXXX. XXXX send another email with my documentation to Capital one and re-explaining the claim XXXX. XXXX received claim denial letter from capital one due to no errors in amount, email says I can request documentation used to make this choice through email or call XXXX. XXXX XXXX sent email to Capital one requesting documents used to make this decision. Have not yet received response

Company response to consumer: Closed with explanation