vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE IN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a purchase on XXXX  on or before XX/XX/22. In the amount of {$320.00} for a dinning table set from their 3rd party vendor. I item wasnt as described on the website and when I received the item it wasnt in a box and the item was very very small. I called Walmart to inform them and to return this item I was told that they had to email The vendor and give them time to respond. The vendor then emailed me asking for pictures of the table in which I sent to them several times. I asked over and over for a return label and a full refund and nothing. I called my credit card company and they still charged me {$320.00}. I have emailed saved with the communication between me and the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE WITH AN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A XXXX XXXX XXXX THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Garcadia Financial LLC
State: GA

Complaint narrative:
I purchased a car from a dealer and obtained financing from foresight capital LLC. The car was involved in an accident a week or so after purchase and was declared a total loss. My insurance agency has been trying to pay the car off but foresight capital llc can not and will not produce a title. The situation has caused me major hardship because foresight capital llc continues to report negative information to my credit report which has resulted in loss of my job, i haven't been able to obtain traditional financing and my bank account is overdrafted due to fees from foresight capital llc trying to draft the car payment every month for a car that they obviously do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
In accordance with the fair credit reporting act accounts XXXX XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 a section 2.it also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: MI

Complaint narrative:
To Whom it May Concern, I disputed a medical collection via XXXX on XX/XX/XXXX report number # XXXX Merchants Credit Guide C account # XXXX for {$430.00} as not mine and it recently came back verified as of XX/XX/XXXX with new XXXX report # XXXX. The problem I have with this company is that I called them directly to speak to a representative to verify the nature of this debt. I also called and spoke with the actual medical establishment and both companies stated this debt is do to a medical visit for a person name XXXX XXXX. My name is XXXX XXXX also the medical establishment XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX stated the service was in Illinois I live in Michigan. This is not me or mine. I want to know how this was verified accurate when this account doesn't belong to me?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: AES/PHEAA
State: NC

Complaint narrative:
I made a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section604 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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the day of XX/XX/22 between the hours of XXXX, I went to Chase Bank and used the ATM machine to withdraw {$1000.00} from my Business Checking Acct., The money never dispursed from the machine, but was instantly deducted from my account. I immediately went inside the bank to speak with a customer agent about the error that took place, the agent filed a claim with the Chase Corporate Claims department. A few days later my account was credited with {$1000.00} from Chase, then a week later my account was deducted {$1000.00} from Chase, bringing the issue back of me being ripped off {$1000.00} from Chase. I then called Corporate Claims and was told they found no errors with their ATM machine and the matter was closed, this left me irate and considered their actions on the matter unacceptable. I then went to Chase Bank in person and filed a formal complaint regarding the treatment to me by Chase Corporate Claims Dept. on an error created by Chase bank. The formal complaint was filed and i was told that the Chase Complaint Dept. would call me in 1-3 business days, I haven't heard from the Complaint Dept and its been 7 business days since the complaint was filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened a checking account with 53rd bank online on XX/XX/XXXX. Everything went fine until almost a month later i realized that i couldn't log on to the online banking or access to my funds. When i contacted the customer service on XX/XX/XXXX i was told that my account might be approved by error. So i asked to just close the account and return my money. The representative said ok and that the account balance would be mailed to my home in a check. On XX/XX/XXXX when i still not received the check i called again and spoke with a rep named XXXX. He apologized for the delay and said he would put a request to reissue the check and mail to my home. But as of today still no check in the mail, and I'm still receiving the bank statements so obviously they did not close my account as they promised. I called the bank this morning again 4 times. Each time i was transferred to the fraud department where nobody ever picked up the phone, i waited for over an hour until the phone battery died still nobody answered. I have no other option but to come to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: CARD Corporation
State: IL

Complaint narrative:
I received a Debit Card from Card.com and XXXX on XX/XX/2022 and I did not request this card. I have attempted to contact them via phone call at a few different phone numbers I got off their websites after searching these companies. I have not called the phone number on the card or on the paper work that came with the card. I have been unable to talk to a person at either company. I believe that I may be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I called for a forebearance in XX/XX/XXXX due to hurricane Ida. Our area was heavily impacted and a lot of repairs we had to do ourselves immediately coming back to home. I was told I could have a 6 month forebearance starting XX/XX/XXXX and then it could be extended after 6 months for a total of 12 months. This loan was a balloon payment loan and this was discussed during the call. However, I was reassured I would have 12 months total to get finances on track. On XX/XX/XXXX I called mr cooper because I knew I only had 1 additional month in first f months of the forebearance and wanted to get a head start on getting my extension in place while I had the time because I work long hours. At this time the lady I spoke with reassured me again that I could extend the forebearance for an additional 6 months but that I was calling too early to call back on XX/XX/XXXX and at that time I could extend from XXXX - XXXX. XX/XX/XXXX I called mortgage company to extend my forebearance and was told I could not do it bc the loan had matured. When the forebearance started in XX/XX/XXXX the loan had matured that month and no one ever advised me of this. Had I known this I would have made other arrangements to pay and not wasted time thinking I at least had another 6 months to get my affairs in order. So I asked for a modification and was told the lenders did not do modifications that I could do a short sale. I was unable to XXXX bc they incorrectly flagged my credit report to XXXX that I was 120days late on my mortgage in XX/XX/XXXX. Which is not true. I also disputed this with XXXX. My first mortgage is current this is my second mortgage. My complaint is not only did 1 representative advise me with incorrect information but 2 did. This is not my fault I did my part by remaining in touch with the mortgage company only to be told incorrect information. Now they are threatening to foreclose on my property for XXXX balloon payment with no other options due XX/XX/XXXX. Mr cooper is the most unorganized predatory, unorganized, undertrained lender who lie to consumers then take their property. Oh and they dont put anything in writing when I asked for something in writing. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank solicited me to apply for a credit card with zero percent interest in balance transfers for a specified time. 
I applied and indicated the dollar amount as to how much of a balance transfer I wanted and indicated the credit card company and account number as to where the balance would be transferred. 

Eventually Citizens Bank contacted me and transferred money to my existing credit card for the balance transfer. The problem is that they didnt give me a large credit line which is their prerogative but without my permission they transferred most of the dollar amount of the credit line to my existing credit card company. This means they maxed out my credit card. A maxed out credit card reduces ones XXXX score a lot. 

I called Citizens Bank and asked them to increase my credit line enough to increase my XXXX score which they wouldnt do. I then asked them to reverse some of the money they transferred to my existing credit card which they refused to do also. 

The upshot is my XXXX score is reduced through no fault of my own. Citizens Bank should have never maxed out the credit card they issued to me without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation
State: IL

Complaint narrative:
I had previously wrote a complaint about an issue with my savings account. While the company did issue a check on XXXX it has yet arrived after being advised I would receive on XX/XX/23. I have contacted Alvert by text 4 days in a row and by email once with no response yet again. I have not had access to my funds in over a month and they're " customer service '' is a joke. The only time I was actually able to get a response was when I filed a complaint with you previously. I would highly suggest an investigation into this company as almost all of their reviews have the same or very similar complaints. It is absolutely ridiculous that I have to go to this measure to be heard and contacted back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : 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 explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/2020 I made a payment of {$1800.00} as my monthly payment to LoanCare, on XX/XX/2020 I made another payment towards the principal of {$1200.00}. Then on XX/XX/2020 it appeared that the loan was transferred to XXXX however, prior to transferring they did a misapplication reverse of the total amount above {$3000.00}. LoanCare claimed they mailed a check to XXXX and XXXX claimed they never received a check. I still do not have the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a Home line of credit with Bank of America in XX/XX/XXXX. It is now XX/XX/XXXX and loan is not complete. I have no employment gaps or credit issues and need loan for home repairs. I provided all of the needed documents in a timely manner even though they sent request by mail and documents were needed before I received the letter. When contacting the bank because there was no response, they told me it would be 3 months before my loan would be processed. However they previously approved me for a car loan in seconds about a month before. One of here home loan processor closed my application stating documents were missing documents or he could not contact me after I had been leaving messages for months with my contact information. They were calling my home number before XXXX and I stayed on the application to call after XXXX pm because application noted they closed at XXXX. If they leave a message on my home phone they are closed by the time I retrieve the message. I gave my cell phone number every time I called because they said it was incorrect in the system. However I was able to get them to reopen the application. I told them I felt discriminated against because there was no reason for my application to not be approved. I am an XXXX American woman. I turned in everything requested in a timely manner via electronic by email. Once the application was approved by underwriting it was sent to closing who contacted me by calling my home phone only because he said cell phone was incorrect, as I stated earlier I gave my cell phone number every time I called, which was at least 2 times a week. Closer called Wednesday, XX/XX/XXXX, but I had been contacting my loan processor who was out of the office for the week and when I called the closer on Monday, XX/XX/XXXX, I was informed documents expired and they had to request again, unbelievable. If time is of the essence why are they taking so long to process paperwork was my question to loan processor. They can contact me by home phone, cell phone, or email but they choose to only contact me by home phone which I am not able to retrieve until after XXXX or later when I return and they are closed. I feel as though they are purposely mishandling my application because I am continually contacting them providing all information that is needed but I'm not receiving the proper response in return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XX/XX/2022 I received a notification from XXXX XXXX that my account was closed, due to information received from Transunion stating I placed a fraud alert/identity theft on my report, which they then closed my account without confirming whether or not this was true or not. I was informed that I called them ( XXXX XXXX and stated I did not open the account, which I have my letter of congratulation confirming proof that I applied and was approved with a credit limit of {$500.00}. I then called TransUnion which confirmed that, there was not a fraud alert, nor identify theft put on my credit file. At this point XXXX XXXX closed my account. I called XXXX XXXX XXXX team and they informed that because the claim was closed, they could not re-issue my a new card. I informed that I was advise that TransUnion request them to re- pull my credit to confirm the mis-information. XXXX XXXX to do so. TransUnion refused to send them correspondence advising that it was an error. This created a negative impact on my report. This same case scenario was occurred with my XXXX XXXX which, has also closed my account. TransUnion has refused to assist me in correction the issue. I have add credit freezes to by credit report in the past, and this has never created any issues as such. TransUnion also attempted the same behavior with XXXX back and they were the only one that sent me correspondence same issue, and I caught it in time and they did not close my account. This has recreated a financial mess. I am simply requesting that my accounts be reinstated, and my credit score which dropped XXXX points be restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Service Finance Holdings, LLC
State: GA

Complaint narrative:
Service Finance is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting

Company response to consumer: Closed with non-monetary relief