vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Revolut Technologies Inc.
State: DC

Complaint narrative:
I wish to close my Revolut card because Revolut has made it clear that it will not permit me to open a XXXX XXXX unless I provide a " National ID Card, '' something that does not exist in the United States. I have already provided a RealID compliant driver 's license from the XXXX XXXX XXXX, a lawful jurisdiction in the United States, which was sufficient to open the Revolut card, but for reasons Revolut will not address, the same ID is insufficient to open an associated interest-earning savings vault. I am permitted to open non-interest bearing vaults, but there would be no reason to do so when Revolut advertises, apparently falsely, that interest of 3.25 % can be earned on an interest-bearing vault. 
The current balance on the Revolut card is XXXX. When I attempt to close the Account, the Revolut app says it can not close the account with a balance greater than XXXX. When I attempt to transfer out the XXXX balance, the Revolut App declines any transfer of less than XXXX. Accordingly Revolut would require me to add additional funds to the Revolut account and then once the balance exceeds XXXX, they would presumably permit me to then transfer the full balance out. Nothing in the terms of service require me to add money to an account for any reason, including for purposes of closing an account. I request Revolut provide a written explanation to the CFPB as to why a client can not close an account due to rules not stated in any contract that preclude the customer from transferring out or otherwise receiving the remaining balance. 
When I attempt to use Help, I can not reach an agent. When I attempt to use the option to transfer in and then close, the defective Revolut App continuously restarts, effectively locking me out of access to the remaining XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Commerce Home Mortgage, Inc
State: FL

Complaint narrative:
In XXXX of XXXX  I was purchasing a condo as a first time buyer. I was getting my mortgage through XXXX XXXX  and was two days away from closing when I learned they lost their CDFI certification which meant they were no longer eligible to move forward with my mortgage application ( As was seen on the news - XXXX XXXX XXXXXXXX ). This was after doing everything that was requested from them including home appraisals, inspections, certifications, document fee transfers, not to mention travel expenses for closing as I was buying this home from out of state. I subsequently had to cancel the home purchase as we had well exceeded the time to buy, and have been trying to contact XXXX XXXX about recovering the costs for the items they requested from me and have had no response from them. In total excluding my travel, their requested items have cost me {$1200.00}.

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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX recognized unauthorized, fraudulent credit inquiries on my consumer credit report on XX/XX/2023. Here is the list of unauthorized inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
The subject property of my mortgage was affected by XXXX XXXX last year. As a result of my having to hire lawyers to fight my flood insurance carrier to make them pay what was due to me, they cancelled my policy. I filed a complaint with the State of FL, and by the time they got around to working with the claim ( and finding they were not doing anything to fix it ), I had no choice but to apply for a new policy. The new company 's policy is to start new insurance a month after the lapse of the old, so there is a gap in my flood coverage. However, we are now past that gap, with no claims activity or issues, so I have flood insurance in place meeting the mortgage company 's requirements. Flood insurance did not pay me more than the premiums I paid for it after this Category XXXX hurricane and XXXX XXXX storm surge, which probably won't happen again in my lifetime, so requiring flood insurance is abusive by my mortgage company in the first place, but now, since there was a gap that affects them not one bit since we're past the date that would have been a problem, they're trying to extort an abusive amount of money from me to cover the month that has already passed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Received written notice from Pioneer Credit Recovery XX/XX/2023, see attached Document. 
Attempted multiple times from late XX/XX/2023 to mid XX/XX/2023 to phone Pioneer Credit Recovery with out them returning any of my calls. 
On XX/XX/2023 I sent them a certified letter pursuant to the Fair Debt Collection Practices Act, 15 USC 16929 stating their claim is disputed by me and validation is requested. 
To this day Pioneer Credit Recovery has not responded to my demand.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I schedule a payment monthly on the merchant 's website ( XXXX - utility company ) for my bill, and have done this for the last 10 years. I scheduled a one-time payment of {$210.00} to be paid on XX/XX/XXXX. As shown on my statement, this amount was deducted twice from my Citizen 's Bank checking account on XX/XX/XXXX. One of these payments was reflected in my XXXX account, the second payment that I did not authorize, did not reflect on my XXXX account and is still " missing '' to this day. 
- I contacted Citizen 's Bank on XX/XX/XXXX and they said they would resolve this. I saw my checking account was credited XXXX on XX/XX/XXXX and believed this issue was resolved. I later found out the payment that XXXX received was canceled and returned to me, so I still owe this to XXXX. The second payment is still missing. 
-I have been in contact with both XXXX and Citizen 's Bank for over four months with no resolution and filed a XXXX complaint against the bank with no resolution. 
-Citizen 's Bank said the second payment was sent to XXXX and they need to locate it, XXXX says they do not have a second payment. I am stuck in the middle. I did not authorize a second payment and I do not know why it was made. There is a mistake somewhere, but I am not an expert on ACH transactions and can not determine ( and shouldn't have to ) where the error occurred. 
-I authorized one payment, as I do every month ( and every month since ), however, Citizen 's Bank sent 2 payments on XX/XX/XXXX. I have spent countless hours on hold, on the phone, sending emails, gathering statements, etc. Although I believe some people want to help, It has been over four months without a resolution.

-I can not say with absolute certainty that the error is on the bank 's end, and not the merchant XXXX , because I do not know exactly how these online transactions work on the back end. Citizen 's Bank made a second payment that was not authorized. This is an electronic transaction and I can not understand how it can not be traced and determined what exactly went wrong and where this money is. This should not be something the consumer has to spend countless hours working to figure out. I hope I can have some help in getting this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Sunday morning of XX/XX/2023 before XXXX XXXX., XXXX XXXX 's debit card ending in XXXX was stolen from the vicinity of XXXX XXXX XXXX XXXX and replaced with the debit card of a XXXX XXXX. After XXXX XXXX 's debit card was stolen, it was taken to the XXXX ATM machine at XXXX XXXX XXXX XXXX and XXXX separate transactions of {$200.00} were stolen from XXXX XXXX 's checking account. Additionally, an unauthorized ATM transaction of {$4800.00} was transferred from Savings to Checking by the individual that stole the debit card. Subsequently, XXXX additional transactions were made at XXXX XXXX XXXX of {$100.00} ( including {$100.00} cash back ), {$42.00} ( including {$40.00} cash back ), {$41.00} ( including {$40.00} cash back ), and {$3.00}. XXXX XXXX took an XXXX home from XXXX XXXX XXXX XXXX at XXXX XXXX. to XXXX XXXX XXXX XXXX at XXXX XXXX. At XXXX XXXX. on the afternoon of XX/XX/2023, after awaking, charging his dead phone, and seeing a fraud alert issued by XXXX for XXXX of the {$200.00} ATM transactions, XXXX XXXX XXXX via text to cancel the debit card and called XXXX to submit a claim for fraudulent debit card use for the XXXX aforementioned transactions. On Tuesday, XX/XX/2023 at XXXX XXXX., XXXX XXXX received a XXXX message from a XXXX XXXX asking if XXXX XXXX 's card was stolen over the weekend and confirmed that a couple came up to XXXX XXXX and helped him get an XXXX, but also presumably stole his card and replaced it with XXXX XXXX 's card. XXXX XXXX confirmed he was approached by the couple on the XXXX XXXX XXXX  XXXX XXXX after leaving XXXX XXXX and has preserved my debit card. Chase Bank proceeded to temporarily fund the XXXX XXXX claim for {$180.00} pending investigation, but ultimately denied the claim due to the compromised PIN allegedly used with no incorrect attempts. Chase Bank also promptly declined the XXXX separate withdrawals for {$200.00} each, totaling {$1000.00} due to the compromised PIN allegedly used with no incorrect attempts ( despite a fraud alert being triggered from XXXX of the attempts ). After the claims were denied, XXXX XXXX closed the Savings account on XX/XX/2023 and the Checking account on XX/XX/2023. XXXX XXXX further received a letter from Chase Bank dated XX/XX/2023 requesting payment of the {$180.00} that had been credited to the Checking account after being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.

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 2023-09-18 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: TX

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 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 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have tried to pay my bill off my bill to avoid interest fees and could not set up a payment withdrawal on the date needed. I spoke with XXXX and was told to call back on the day I want to submit. No payment can be manually input for future dates. He was also informed I tried to submit my payment online through the application. I was told I had until XX/XX/2023, to submit {$900.00} to avoid interest rates. This will pay off the bill.

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 2023-09-18 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: TX

Complaint narrative:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

Sincerely, 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