vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
Capital Accounts LlC company added XXXX in interest. And continuing to try to charge more. This was not in the direct contract with the medical provider. They are insisting I must pay a 8.06 % interest rate even though it is being charged by them and not the original dental provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
in accordance with the Fair Credit Reporting Act, American Express has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have all of my student loans with Aidvantage. On XX/XX/XXXX I signed up for Auto pay and received an email confirming that they had received my auto pay request. Then on XX/XX/XXXX I submitted a payment of {$500.00} to pay for my balance and some extra principal interest. I received an email stating " This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : XXXX Amount : {$500.00} Scheduled for : XX/XX/XXXX '' Then on XX/XX/XXXX I received a separate email stating : " Your recent payment has posted. 

Date Posted : XX/XX/XXXX Payment Amount : {$500.00} '' I then went on to receive XXXX emails redirecting me to my inbox with letters stating that my payments were rejected. " Your recent payment in the amount of $ XXXX was rejected by your bank because : NO ACCOUNT / UNABLE TO LOCATE ACCOUNT " So I submitted another payment for {$500.00} and the same cycle of events happened. I then called the number listed on their website ad spoke with a representative. They notified me that their system was experiencing difficulties and that they may have issues on their end. They suggested that I try submitting the payment again. So I did submit another payment and it still got reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
The company arbitrarily canceled my card. They first claimed there was fraud, but when I verified that it was not a fraudulent charge, but was a legitimate recurring monthly charge. They said they had to cancel the card anyway, which will cost me most of my day going through the 40 different companies where I have automatic payment set up. I asked them if they would cover my time, since it was completely unnecessary they said they were unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved Covid-19 forbearance. 
Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance.

Enclosed you will find evidence showing that : 1.We applied for and were approved for a Covid Forbearance for a VA XXXX XXXX XX/XX/XXXX, to XX/XX/XXXX. 

2.Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the Covid-19 Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a Covid-19 Forbearance plan. You are not required to make any payments during the Covid-19 Forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the Covid-19 forbearance period.

This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the Covid Forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 

4.Additionally, we were deceived about our repayment options ; Carrington attempted to put us in a loan modification that increased our monthly payment by more than 60 %.

5.Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken
against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. 
Enclosed are the following articles of evidence : 1.The written statement from Carrington Mortgage regarding our approved Covid Forbearance. 
2.The mortgage statements with the Forbearance Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
XXXX recent copy of our credit report showing the falsely reported lates for XXXX, XXXX, and XX/XX/XXXX. 
4.Carringtons attempt to overcharge us for a loan modification.

Records of our attempts to resolve the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account experienced fraud back in XXXX, and went immediately to the local Chase branch. We were on vacation in Michigan when it happened. We talked to the Banker and the Fraud Department, and they assured us that once they put in the paperwork and updated all our cards and passwords ( and PIN ) we would be fine. We asked if we should just close our checking account and open a new one. They said it wouldn't be necessary. Then, on XXXX  XX/XX/XXXX, at XXXX my husband got a text alert about potential fraud, he followed the prompts like we're supposed to. The next day I went to the bank in the morning to set up direct deposit and they told me my account was restricted, but they couldn't tell me why. I called the number they gave me and was told that " Chase bank has decided your account is no longer manageable and they're closing the account. '' No explanation, no warning. They wouldn't let us access our funds, immediately cancelled any and all access to our online profiles, and cancelled our debit cards. We were told that a check would be mailed to us within 7 to 10 business days. Luckily, we were able to access our savings account, which we promptly closed and opened an account at another bank. We have bills, including rent, that will be due most likely before we get the check. It seems that Chase Bank does not care about their customers, but their bottom line. We were told at our new bank that we were the 3rd account that had moved from Chase this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This is my formal complaint to CAPITAL ONE. I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will conduct the investigation for the status on my account however, as I reviewed my recent report nothing has change, incorrect and inaccurate information are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$300.00} American Express gift card. I activated it as instructed. I have tried to use the card with several different merchants both online and in person and each transaction has been declined. I have even attempted to make a {$10.00} purchase on my {$300.00} balance with a merchant that accepts American Express gift cards and it was declined. I have {$300.00} and no way to use the funds. I would like my money. I have tried to reach customer service and I only get an automated message that says that I may have tried to purchase above my balance. It does not give me the option to speak with a representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: Nelnet, Inc.
State: OH

Complaint narrative:
Interest Accuring while SAVE plan application is processing. I originally applied for SAVE income driven repayment program when it was first released to the public in early XXXX. It is still processing and my loans have been placed in Administrative Forbearance. My loan servicer is Nelnet and I have called multiple times to express my concerns. Since repayment is started, my loans have accured over {$500.00} in interest fees. I was told that the interest would not be waived. My question is why should the borrower be penalized with increasing interest charges because of these extended processing times. Is there a way to have the interest forgiven since the this delay is due to the poor planning of the loan servicers and the US XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I applied for VA home loan and a Citi bank credit card liability showed up that I owe {$350.00}. I called Citi spoke with multiple people, last operator ID # XXXX at Citi stated since 2020 Citi is not collecting and paying the money won't make the liability fall off. The operator hung up on me and stated statue of limitations would not allow my {$200.00} security deposit to be returned to me or deducted from the total balance. So I can't remove from my credit report according to Citi!

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The bank of Montreal had a Fraud investigations person contact me XXXX weeks ago, and took the claims over again that Ive had ongoing for XXXX months before the merger during the merger, and after the merger with XXXX XXXX XXXX XXXX, I tried to get the money out of the account and close the account that I have which is a secured card for {$12000.00} that I gave to the bank and they couldnt close because they didnt know how inside the branch in XXXX and now all the claims have been credited to my account but the person who took the claim told me that I cant go pick up my money until Friday and Friday is a closed XXXX XXXX again Im astounded at how this bank is treating my issues and dragging on time and making me wait I need to go in the bank today or tomorrow and pick up my money and close my account. I shouldnt have to wait another week. I can not go into a branch without the fraud department calling them and instructing them to close my accounts and have a check ready to pick up because they wont do anything for me. They treat me as if they have no clue what to do. I have to go through this online service people, customer service departments, and Fraud department for them to instruct the branch to close my account its astounding to me. I just dont understand why I have to wait and now shes told me that I have to go on Friday when the bank is closed.

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 monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC.
State: IN

Complaint narrative:
I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for a mortgage with new American lending. 

. On XX/XX/2023, I received a written notice from your institution, indicating that my application for a home loan has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has accrued fraudulent items possibly from the Equifax data breach, the record indicates that my personal information was impacted by this incident. The below accounts on my report are not mine and i do not have a signed contract with them. 

XXXX / XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$0.00} XXXX XXXX XXXX XXXX # XXXX / Bal {$890.00} XXXX XXXX/ XXXX # XXXX / Bal {$260.00} XXXX XXXX XXXX XXXX XXXX # XXXX / Bal {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
In XX/XX/2023, I inquired about this company regarding a Home Equity Line of Credit or Home Equity Loan. They advised me that they were not able to offer that however could offer a cash out refinance of my mortgage. I stated I was not interested in any refinance options as I have an excellent rate on my current mortgage and needed a relatively small amount of money for home repairs- it wouldn't make sense to triple my rate for my whole mortgage for that little amount. I ended the phone call having stated that I was not interested in what they were offering. Despite this, the company checked my credit and opened a mortgage application in my name. They have continued to contact me repeatedly over the past two months ( it is now XX/XX/2023 ) to 'get more information for my mortgage application ', have sent unsolicited copies of said application to my home which contain details such as my social security number and are therefore an identity theft risk to simply sit in the mailbox when I did not request or expect them, and have stated they will 'deny my application. ' Again, at no point did I EVER request that they open a mortgage application for a refinance and in fact explicitly and repeatedly stated I did not want to do a refinance with them or any other lender.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
These companies were not authorized to run these inquiries. Please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: FL

Complaint narrative:
XX/XX/2023 - I was contacted in the morning by a block or unknown number attempting to solicat information and requesting to identify myself. I requested information on who is calling. They responded " XXXX XXXX ''. I after requested what company are you soliciting from and she replied, " a business ''. I promptly hung up. 
- The same person called me back, from the unknown number again, stating to want to speak with XXXX XXXX. Finally identifying the company as Recovery Partners. Then began to claim I was involved in an accident while i was not in ownership of a vehicle. And that, since i refused to give them information, after they did not identify themselves, that they will be suspending my license. 

XX/XX/2023 - After doing online research, I found the company and the contact information. After getting connected with XXXX XXXX, i had her pull up whatever " information '' they had. The information through looking through it and them making me sent proof of nonownership. Revealed the false claims and the abusive and preditory calling practice. After upon the discovery she tried to justify the threats and actions of infringing on my rights as a private citizen.

Company response to consumer: Untimely response