vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: PA

Complaint narrative:
REMOVE ALL ACCOUNTS IMMEDIATELY!

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt happened XX/XX/XXXX I went to court and I am permanently XXXX as of XXXX and I do not have any money for this debt and they are calling me and threating to garnish my wages and I don't have any wages to be garnished. I use to work for the XXXX XXXX XXXX XXXX but don't anymore I need this to stop because this along is making me sick about it Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: OH

Complaint narrative:
In accordance to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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 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 2023-08-16 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: OH

Complaint narrative:
In accordance to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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 non-monetary relief
Consumer complaint received 2023-08-16 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: OH

Complaint narrative:
In accordance to the Fair credit reporting act. This creditor XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I submitted a complaint to this company with the CFPB that they promised me a XXXX dollar gift card for applying for a credit card that i was not approved of, they did an investigation and said that i would be receiving a gift card within 60 days and up until this point i still have not received the XXXX dollar gift card. Uploaded the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX XXXX ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX XXXX ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today, XX/XX/2023 I called to make a credit card payment. They will not send me a statement as they say my card is restricted. I wasn't sure when the bill was due, but last month it was due on XX/XX/XXXX so I figured I better call. The due date this time was XX/XX/XXXX. The problem is I applied for this card on line and was immediately accepted. I was sent the card in XXXX, I believe. It was an interest free card for a year so I used it quite a bit. Then, there was a charge I didn't make and Capital One rejected it, which was great. Normally, in my experience, when this happens the credit card company shuts down that account and simply sends you a new card. Capital One put my card in a " restrictive '' mode and wanted me to send a slew of documents to prove my identity I guess. I drew the line at wanting my social security card and my bank statement. I told them that that's ridiculous and I'm not sending that to them. That's fine if that's somehow their policy. I don't need this particular card. All I want to do is set up an auto payment and get a statement in the mail because the on-line option will not allow me in. I was told that I couldn't do either of these things because my card is " restricted ''. It should be illegal that I can't get a statement. I have no idea if they're putting other charges on or what. I was also suppose to get a {$200.00} credit if I spent {$500.00} within a period of time which I did but have no idea if they'll honor that since I can't see a statement. Also, would like to know the due date. It just seems crazy that I have so much trouble just trying to pay them off. I hope you can help me or refer me to someone who can. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgages Services , Inc. called me on XX/XX/23 XXXX. Their voice mail asked me to call them back... no name given. I called back. The person I talked to said they need declaration page for my home insurance. She didn't know which insurance they required the declaration ( mine or the condo association 's ), Since it was not clear what they needed, I requested a letter from them to be sent to me clearly stating what it is they need. She said she would request that. 

On XX/XX/23 I got another call supposedly from this company but my phone says the number is for XXXX XXXX XXXX. She said she was calling for Carrington Mortgage Services LLC and this is the number to call according to my Carrington Reverse Mortgage Monthly Statements. I told her that I had already talked to them the day before, and they said they would send me a letter telling me exactly what it is that they need from me. This person 's response was that she would make a note to my file, but that they can not send me a letter. 

I said the mortgage is on my property and if you are a legitimate company, you can send me a letter requesting what it is that they need from me. I have received letters from this company in the past, so I don't see why they can not do so now. She said she again repeats that they can not send me a letter and she would just make a note to my file. 

Please communicate with Carrington Mortgage Services , LLC at XXXX XXXX XXXX, XXXX, XXXX  XXXX and ask them to send me a letter ... XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX B, XXXX XXXX XXXX XXXX  XXXX... telling me what is that they require from me. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NY

Complaint narrative:
This customer complaint is related to trip cancellation/interruption claim with Chase XXXX XXXX XXXX I filed a benefit claim number " XXXX '' on XX/XX/2023 on XXXX. The benefit examiner claim that sufficient information were provided for the return flight and asked for support from XXXX XXXX for the departure flight. I promptly called back and explained such document was not available after I contacted the airline. The customer service representative documented such and asked the examiner to decide on the return trip claim as well as reaching out to XXXX XXXX for additional document if needed. The examiners has not done anything on such for only four weeks, despite that the response period for such is one week. 
I called back weekly for follow up ( all documented via customer services ) with no responses. The customer representative tried to contact the examiner to speak to me but no one pick up the phone. One representative left an escalation note to the examiner 's supervisor, under which the supervisor was expected to call me back in two business days. Nobody called back. 
ChaseXXXX clearly has not properly monitor the vendor 's performance related to trip cancellation processing related to Service level agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was involved in a romance scam back in 2019 and met scammer via XXXX. Lost over XXXX using XXXX and cash app. I sent proof and supporting documents to XXXX and cash app through states attorney general and XXXX gave me my money back but cash app kept on giving me the run around and kept on telling me my bank was the one to talk to not them. Cash app refuses to give anyone back their money even if they send proof and will never refund anyone their money back which is a lying option they give you. They already push the money through by the time they get back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC is stating I owe XXXX I received this notification on my credit report without any warning. 
I am not sure where it is from. 
I sent a certified letter of Debt Validation on XX/XX/XXXX. 
I am not sure what this is and it is hurting m

y credit score. I will attach this letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Of XXXX : XXXX I'm not appreciative that because of a simple mistake, all of my accounts were closed. i deposited a check into my savings account and did not realize the banking institution had closed my account, so the check bounced. Instead of discover reaching out to me, they decided to not only close my savings account, but my cashback debit, money market and other savings account, which should have not been affected. I called and they told me to reapply for more accounts and those would remain open, they did not. They closed those as well. Discover was my primary bank and I want to keep banking with them, but this is ridiculous. I am filing a case with XXXX, XXXX & cfpb for repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TX

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 A STATE I HAVE THE ROGHT TO PRIVACY.

15USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRIITEN INSTRUCTION.

15V USC 1666B A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On or about XX/XX/XXXX I was notified that someone had compromised my account totaling about {$150.00} on 2 separate transactions. capital One called me and I was asked if these were my charges and I said no. 
My Social Security check had gone into my account via direct deposit around this time. Capital One has placed a hold on all my funds until XX/XX/XXXX. 
I have call numerous times and been on the phone with them for as much an hour and one half per phone call. 
I am on a limited income and need my money for my personal livelihood. 
Although the people at Capital One are sympathetic to my issue, they say their hands are tied. 
Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In accordance to the Fair credit reporting act. This creditor Well Fargo XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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 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 2023-08-16 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: TX

Complaint narrative:
In review of my credit report I have unauthorized and unrecognizable inquiries. I have contacted Transunion several times to have these unauthorized and unrecognizable inquiries remove, but Transunion refuses to remove and update my credit report accurately. I have listed the unauthorized and unrecognizable inquiries below on my Transunion report : Inquiry Date Company XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I believe that I am being overcharged for taxes and insurance on my loan. Mr. Cooper refers to these as escrow charges and they make up XXXX XXXX of my current loan payment. The original principal balance on the loan was {$60000.00}. I have made roughly {$72000.00} toward payment on the loan, and my current principal balance is still approximately {$62000.00}. Indeed, most of the money is going to toward payment of taxes and insurance rather than paying down principal and interest. This result can not be permissible. 

I am insolvent. Any assistance would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a small business owner banking with Chase for the last 9 years. 
Recently I had a client who didn't pay us for our services and caused the recurring transactions related to business to create negative balance on the business checking account. 

Chase began posting insufficient charge fees. They managed to charge my account 32 times x {$34.00}, totalling {$1000.00} and making the account completely overdrawn. 
I had spent 10 days of consistent telephone calls to resolve the situation to no avail. 
Finally, their collection department after all these nightmarish phone calls to them stated they would refund {$560.00}. My account was still severely overdrawn and I couldn't get Chase to cover all of the fees. I am outraged that Chase directly affected the finances of my business. I use the account to deposit clients check for work that my business does for them. Chase by draining my account with those fees inflicted financial damage to my operations. 

On XX/XX/XXXX I deposited another client 's check and I still continue the financial fallback from what they did. 

I will close my account as the bank has predatory practices and I don't have any faith in them. Before I do I expect that they return all the insufficient fees as this stress has gone beyond finances and it has been an absolute disgrace and a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank NA repeatedly sent me a Member Advantage Miles Checking with a reward if I complete certain actions in a given timeframe. The reward was XXXX American Advantage Bonus points WITHIN 30 CALENDAR DAYS FROM THE DATE YOU COMPLETE ALL REQUIRED ACTIVITIES. The time period allowed to complete the activities was up to 90 days. I opened offer account on XX/XX/XXXX and FULFILLED THE REQUIRED ACTIVITIES ON XX/XX/XXXX. On XX/XX/XXXX, I contacted CITI by phone and was told that I had fulfilled all the requirements and that the points would be awarded by XX/XX/XXXX. Citi did not FULFILL ITS OBLIGATIONS PER THE OFFER. I called CITI on XX/XX/XXXX and was again told that I had fulfilled all the requirements and that points will be awarded in 2 business days. Nothing happened. I again called on XX/XX/XXXX and was again told that it would be resolved within 5 business days. Nothing happened. Another call and I was asked to wait 12-24 business hours. I wrote an email to Citi XXXXxecutive VP XXXX XXXX. A representative called me and told me it would take 15 calendar days. On XX/XX/XXXX a CITI representative INCORRECTLY told me that the award will be on XX/XX/XXXX. IT IS NOT PER THE OFFER. I again followed up with Citi Executive VP on XXXX XXXXand expressed that the rep had not read the text of the offer and failed to address what is in the offer. Another rep called me and stated another 15 days. No end in site.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions.
State: AZ

Complaint narrative:
I submitted a cease and desist letter to stop communication via phone and only have communication in writing on XX/XX/2023 yet I still keep getting two three calls a day from them and they are using different numbers. The company in question is FBCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation