vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed unfamiliar accounts on Credit Report with Capital One that were going to XXXX ( somewhere I have never lived ). I called Capital One and was told they already flagged the accounts and had a specialist assigned to them who would reach out to me. They did not reach out, so I sent them XXXX certified mail with tracking number XXXX, which they received XX/XX/XXXX. I still have not heard back from them. The negative impact to my credit score has been harmful, and I'm struggling to set up my medical insurance account now since the identity verification requests keep asking what XXXX address I am associated with, and I have no clue what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am an account holder with American Express and use their Gold card for day to day purchase. When I opened the card in XX/XX/, I was sent a paper version of cardmember agreement, a legal document enlisting all the rights and benefits of the credit card product, to my address. I took my time to read all the provisions of the cardmember agreement, in which I found that I am entitled to two additional benefits, previously unknown to me when I applied for the credit card application : a ) " Trip Cancellation and Interruption Insurance '' b ) " Cell Phone Protection ''. 

On XX/XX/, the flight ticket I purchased via the aforementioned American Express Gold Card was cancelled due to the weather conditions. I had to come up with alternative transportation, so I went ahead and booked last minute train tickets taking me to the same final destination, for {$200.00}. I arranged the train alternative under the impression that my Gold Card 's " Trip Cancellation and Interruption Insurance '' benefit will help me offset the {$200.00} cost. Having this in mind, I called American Express customer service to help take advantage of the said insurance benefit - only to find out that this benefit is offered on American Express 's other credit card products, but not Gold Card. 

This directly contradicted the provisions on the paper cardmember agreement I received, and I tried to explain the situation the customer representative as much as I could- the best they did was to open an investigation case. I never heard back about the result of the case, as I was not offered opportunity to prove my case by uploading the photos or scanned version of the paper cardmember agreement I had in possession. I followed up two weeks later, and apparently the resolution was made for the investigation case without any further inquires to me - I was not given any word or had chance to showcase an input. The customer representative kept reassuring me that they have a dedicated professional team of experts thoroughly investigating any case presented at them. I found it very hard to believe, feeling absolutely helpless I decided to cut the call short - I was not compensated in any way for the interrupted flight and my investigation was never properly looked into. 

CFPB is my only hope now. I am attaching the photos of the paper cardmember agreement I have which explicitly states that I am entitled to the two aforementioned benefits - the benefits that American Express refuses to provide me, as apparently these benefits are provided with other products, but the Gold Card I own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Some online company called XXXX was used with my debit card but I was not aware of the transaction and this was on XX/XX/XXXX then I filed the dispute with my bank which is Chime. but Chime denied it. they say I didn't have any proof of evidence. I told them that they even took the money while I was on the phone with them to report it. but they say that was not enough evidence. they took over {$3800.00} between XX/XX/XXXX and XX/XX/XXXX but I didn't recognize the transaction before because it was a low amount. but the rebuttal of the claim was denied. and I reached out to XXXX to see if they can help me with the claim. they provided me with more information about the claim. showing that it was not me because the person who was conducting the transaction was located in XXXX, Florida and I live in XXXX, New York. 

- On XXXX -- > {$3800.00} - On XX/XX/XXXX denied because no proof - On XX/XX/XXXX rebuttal my claim was denied again and provided me with evidence they used to make a decision - On XX/XX/XXXX provided proof from XXXX showing I didn't make the transaction, - On XX/XX/XXXX denied me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2023 we started the process to remove PMI on our account. We sent an email to PHH Mortgage requesting this and received a letter in the mail on XX/XX/2023 from them which states the requirements for PMI cancellation. The first stated requirements were to make a principal payment of {$88000.00} or request a property valuation which would need to be {$940000.00} and achieve a Loan to Value of XXXX XXXX. We decided to request a property valuation and mailed a check in the amount of {$190.00} for the valuation fee. On XX/XX/2023 an appraisal was completed on our property. The appraisal amount came in at {$980000.00}. This amount is {$38000.00} more than the required amount of {$940000.00} needed to cancel the PMI. We received a PMI denial letter on XX/XX/2023 stating that the BPO/Appraisal ordered does not support the property value necessary to meet a XXXX XXXX  Loan to Value ( LTV ) . These parameters do not reflect what the required appraisal amount needed to be or the listed requirements on their website. We called PHH mortgage on the week of XX/XX/2023 to express our concerns and raise these issues. We were told this would be escalated to their PMI removal committee. On XX/XX/2023 we received a denial phone call.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: CO

Complaint narrative:
I have been a CapitalOne credit card holder for 20+ years. The interest rate being charged right now is 25.24 %. Quite often - I pay off my credit card every month but recently - what with the very high cost of living these days - unfortunately I've now had to carry a balance. Being retired and on a fixed income - this rather high interest rate is making it a bit difficult to make any progress on my balance. I've requested the company lower my interest rate - especially since my credit score is in the 'excellent ' category at XXXX They've repeatedly told me no- they do not have the ability to lower the interest rate being charged on my card. I find this unacceptable. Have they not received a ton of money from me already in the 20+ years I've been with them? How can this be legal to charge such an exorbitant interest rate amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This company is breaking hippa laws I have not been to been to the hospital in over 8 years I have a family doctor They are reporting a fraudulent item on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
hello, I have recently became aware that a debit card I had canceled, and Citizens Bank reassured me it was canceled, Is still receiving charges. I have the new card that should be the only active card on the account/ card that appears on my account. in my hand. I have proof of the old card number, where the charges occurred. this is violating and I do not trust Citizens Bank anymore

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26 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: GA

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, XXXX Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. I have included duplicate copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the account information.

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 2023-09-26 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: Experian Information Solutions Inc.
State: GA

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if 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 2023-09-26 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: MOHELA
State: OH

Complaint narrative:
In early XX/XX/XXXX, an associated told me I could submit a formal letter with instructions about how to handle payments over the minimum payment. The intent was for extra payments to apply directly to principal on my loan balances. I mailed that letter to Mohela around XXXX and it was approved on XX/XX/XXXX. I submitted a large payment to one specific loan using the app on XX/XX/XXXX. That payment was applied first to the interest on my loan, contradicting the instructions in my letter. I called around XX/XX/XXXX and an associate assured me that the letter was still in processing, and once that was complete, the adjustment would be made to move that payment to principal on the specific loan I paid. When I checked my account a few days later on XX/XX/XXXX, an adjustment had been made to move my payment from the specific loan I had paid and had been spread across every loan that I have with Mohela, covering almost entirely interest. Approximately 90 percent of this large payment is now applied to interest across six loans, rather than only principal on the one specific loan I paid. Moreover, the very small portion of my payment that went to principal was moved to a lower-interest loan. I called customer service and was told that written instructions for how to handle payments are not applicable and Mohela will always put payments toward interest first. I pointed out that their website specifically states that written instructions apply first, and the default structure of interest-first payments only applies in absence of written instructions. I also pointed out that three other associates had given me different information. Furthermore, there is nothing to suggest that payments can be moved from the loan that was specifically paid by the borrower to other loans under Mohela 's management and distributed however they please. I believe this is in violation of my rights as a borrower in repayment and that this is dangerous and corrupt practice. I am deeply concerned about my ability to manage my own account or to successfully work with this company to repay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: CA

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 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 Account name : # collection bureau of a 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: Experian Information Solutions Inc.
State: CA

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. 
Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : # collection bureau of a 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 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 if 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 non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief