vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad Astra Recovery Service reported me to 3 Bureaus. 
I don't know them. 
Never borrowed from them. 
No loan was ever taken from them or any other company on XX/XX/2020 as they claim. 
No demand letter ever sent to my address. 
I don't know this company. Ad Astra RecoverXXXX made a false report as to any loan I took, date I took or even amount I took. 
I never borrowed {$4700.00} from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Was given your link from XXXX XXXX XXXX. They tried to help me but XXXX continues to indicate they issued the credit and never received the credit back from Chase Bank. 
I writing to you in hope of getting some action to the recovery of my money in the amount of {$1300.00}. My name is XXXX XXXX and I have been working on trying to receive funds back related to an item purchased from XXXX on XX/XX/XXXX at XXXX. I have been working with XXXX since XXXX indicated I would need to work with them to pursue my credit refund even though I never used XXXX. 

Below are the events that occurred : 1. On XX/XX/XXXX at XXXXXXXX XXXX ET, I placed an order with XXXX order number XXXX # XXXX in the amount of {$1300.00}. 

XXXX. The charge was made using my Chase credit card ending in XXXX on XX/XX/XXXX with reference XXXX XXXX OH 3. After almost a year and constant follow-up to check on status of order for merchandise not received, I cancelled order and XXXX issued a credit memo XX/XX/XXXXXXXX XXXX # XXXX in the amount of {$1300.00}. 

XXXX. XXXX transaction dated XX/XX/XXXX at XXXX XXXXXXXX XXXX EST transaction ID reference number XXXX credit back to Chase Bank credit card ending in XXXX. 

XXXX. I had requested a check since the credit card had been cancelled. Chase Bank issued a credit back to merchant XXXX XXXX XXXX transaction reference XXXX on XX/XX/XXXX because they had purged my account. 

According to XXXX since I didnt purchase the product using a XXXX account there is no credit that would have gone into my account. Instead, the credit would have gone back into the account of XXXX merchant account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: NC

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. 


XXXX XXXX XXXX # XXXX *XXXX XXXX XXXX XXXX # XXXX 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 of 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 explanation
Consumer complaint received 2022-10-12 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: Flagstar Bank, N.A.
State: WA

Complaint narrative:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online Flagstar mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - Flagstar attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact Flagstar, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. COVID has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

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 2022-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I just sign into my email and saw Wells Fargo Home Mortgage placed a forced home insurance on my private property that I did not consent to also this force place insurance has recently as 1 week ago refuse to repair water damage done to my property in XXXX just as in XXXX when it wasnt repaired, these are FDCPA, FCRA and Respa and much more violations its also Identity Theft and assumption deterrence act of XXXX and 18 U.S Code 2312. Its unlawful and illegal for Wells Fargo to also place there name on forced insurance and Owner of my private property I am the Entitlement Holder in due course all credits came from me and all debt and interest are owed to me. I didnt give anyone permission to place insurance of there choice thats isnt repairing no way violations violations violations no stop.

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 2022-10-12 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: PA

Complaint narrative:
in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.

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 2022-10-12 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: PA

Complaint narrative:
in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] [ XXXX XXXX XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ I spoken to so many people about this please help remove incorrect information ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank billed me {$230.00} on XXXX XXXX credit card statement with no explanation of the charge. XXXX XXXX says they did not charge my card. I submitted a fraud inquiry to Synchrony, they said it was fraud, can explain what the charge is for and demanded payment. I paid the charge to avoid finance charges and fees.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
PLEASE REVIEW MY PREVIOUS CLAIM Please read and see images XXXX and XXXX to reference. XX/XX/22 i was charged XXXX twice. That would be from image XXXX XXXX equals XXXX for XXXX travelers. Also XX/XX/22 i was charged XXXX XXXX times ( refer to image XXXX ) that is XXXX for XXXX XXXX. On XX/XX/XXXX XXXX was charged for XXXX travelers please refer to image XXXX for XXXX Also XX/XX/XXXX XXXX was charged for XXXX travelers for XXXX Then XX/XX/22 trip protection XXXX and XXXX The additional charge of XXXX from united is unauthorized and unaccounted for. The other images i sent show the total for both receipts which comes to i believe XXXX and XXXX that is XXXX and as you can see on my statement i was charged a total of XXXX PLEASE REVIEW MY PREVIOUS CLAIM There is {$280.00} inaccounted for. Please look at images. I had XXXX purchases from XXXX for XXXX XXXX XXXX XXXX XXXX. Both receipts are attached and you can see what inwas charged and if the charges are totaled uo i was charged a extra {$280.00}. You can even see the XXXX rep say that charges is unaccounted. 

I have disputed this XXXX time already and no one has taken the time to review the actual fact. I keep having to take time out of my work day to call and its causing me major stress and anxiety. If this is not resolved I will be taking this to small claims court.

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 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Ocwen changed names in XXXX to PHH and XXXX XXXX. Stopped accepting payments. Paid 2 different law firms to get assistance for this company to apply payments instead of send payments to suspense account or foreclosure attorney. 

Applied for COVID assistance through state of MN XX/XX/XXXX with the help of a MN HUD agency. XXXX XXXX has again held payments in suspense account, and threatened foreclosure. XXXX XXXX has Failed to accommodate the Covid Relief Program for homeowners, and failed to apply payments. 

Have been locked out of online access to account since XXXX of 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 2022-10-12 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: 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, 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. 
some of the inquiry accounts have been removed but some were not removed which I didn't give them consent to run a credit check which shows as hard inquiry on my account. 
Bank name : XXXX XXXX  Inquiry date : XX/XX/2021 Bank name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2021 Bank name : XXXX XXXX Inquiry date : XX/XX/2XXXX 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 2022-10-12 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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I just received and activated a credit card that was sent to me because my credit card company was bought out by a new bankComenity. The XXXX XXXX XXXX card already has several fraudulent charges, all of which are titled XXXX XXXX and originate from OH. The charges pre-date my activation of the card. I tried locking my card online and the website says there is a glitch. I tried adding alerts to my card and it says there is a glitch with that too. Nothing I do on the website will save. I called customer service and they are unable to report fraud or send me a new card. The system wont work on their end either. Their recommendation was to call back in an hour. I have seen online that many people are having similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AK

Complaint narrative:
I received an email from CBE Group dated XX/XX/2022 that states they were trying to collect {$1100.00} for XXXX XXXX XXXX XXXX. 

1 ) I contacted XXXX, and you will see from the attached communication, my XXXX account does not owe anything. Further, I do not have a personal XXXX account. 
It is a business only account. 

2 ) XXXX stated they did not request CBE Group to collect {$1100.00} 3 ) I do not have an XXXX account under my personal name. I have a business account only. 

4 ) This is a fraudulent attempt to collect a debt that is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was on the phone today for an hour and a half on hold most of that time with The bank and when it was all said and done you still didnt resolve my issue. You tell me I need to write another letter and repeat everything that Ive already told you. I called about case number XXXX it was a dispute with home advisor that was rebill to my account its true youre very clear that that can happen Im just not sure how in the world it happened this time. The dispute basically revolves around them not showing up to do the service that I hired them to do you already have all the information yes I ordered the service I was told today on the phone that you receive documentation from the company the gentleman I spoke to on the phone and reviewed the documentation with me and I went ahead and logged in and looked at the documents myself the only thing that the documents are showing is that I ordered the service I was never disputing that part I was never disputing the fact that I ordered the service I did order it I ordered it I paid for it the part that Im stealing is the fact that they never showed up you clearly didnt dispute this correctly with all due respect I know all the stuff is probably complicated on your end but somethings not right the documentation received dont say anything about actually showing up and doing the service its all about booking the service I mean they show where I booked it and yes I booked you but you didnt Show up and perform the service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Tree Cash House llc
State: TN

Complaint narrative:
I borrowed XXXX and paid it back. Continued to call and ask me to borrow more money and I declined. Later I needed XXXX loan and was given that loan. I paid and then had hard times and that's when the harassment began. I was asked to come in make a {$5.00} payment and " renew '' the loan as I did. Still struggled to make payment. The calls and text became more aggressive demanding I give them a payment date that I could not give as I'm self-employed. I asked for a payoff after making payments for over a year and was told it was XXXX! I refused that this was accurate but was told that's it! 

The real problem began around XXXX when one of the employees ( XXXX ) walked in my place of business and became demanding and started insulting me. I asked her several times to leave and not to come back. She made threats and promises she would be back. I had another similar instance with the manager prior to this one, where she came in and acted like a XXXX child and stomped out. 

I have asked many times for a reasonable payoff to just go our separate ways, but the calls and text continued after I've asked not to be contacted via phone or text. XXXX XXXX They did an unauthorized hard inquiry on my credit that I have since disputed with CRA. 

It is my understanding that collections at a person 's workplace is illegal along with unauthorized hard inquiries of my credit and I ask for proper actions to be taken! 

At this point as mentioned on the last text to these people, I have no intention in making another payment and as I mentioned to them, my odds in a court room would be better than continuing to pay a predatory loan. My rights have been violated and the damages exceed the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a fraudulent credit card from XXXX XXXX store thru Comenity Bank on XX/XX/22. The card was opened on XX/XX/22, the same day a fraudulent XXXX card was opened. The XXXX store is # XXXX in XXXX XXXXXXXX XXXX Someone charged {$620.00} on the card. 

I live in Florida, over XXXX miles away! I reported it to Comenity Bank XX/XX/22 and to the police XX/XX/22. 

Credit Bureaus said card was never sent thru them.

Company response to consumer: Closed with non-monetary relief