vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: WV

Complaint narrative:
Re : Cease and Desist Letter Pursuant to 15 USC Dear Capital One I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reached out to TransUnion to delete unauthorized hard credit inquiries from my report. I was instructed to submit an FTC report and I was directed to the CFPB. 

I have XXXX ( XXXX ) unauthorized hard inquiries to my TransUnion credit report that I did not authorize and will need to have removed. 

These hard inquiries are inaccurate and were not made by me. The following inquiries are : XXXX XXXX  requested on XX/XX/2023 XXXX CARD SERVICES requested on XX/XX/202XXXX XXXX XXXX XXXX requested on XX/XX/2023 I have already reached out to XXXX and XXXX who have removed these inquiries as being fraudulent and would like these inquiries deleted.

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 2023-10-31 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
During my last few months at the XXXX and move out, I was overcharged. I apartments charge you at move in for the clean out fee and couldn't produce a detailed invoice from the cleaners showing that I owe more. I was also overcharged {$75.00} each month my last 3 months and the manager only removed one. I have studied the landlord tenant laws in South Carolina and I am positive that I am entitled to compensation if I go to court. Not to mention I did not receive the move in special I was promised for doing a look and lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: CT

Complaint narrative:
-- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE CHOSEN TO EXERCISE MY RIGHT TO CREDIT AS DEFINED UNDER 15 1602f WITH KEYBANK AND HAVE PERFORMED A CREDIT CARD APPLICATION WHIHC HAS BECOME A SECURITY FOR KEYBANK. I ON BEHALF OF PRINCIPAL ACCEPT ALL RIGHTS, TITTLES, EQUITY AND INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT I HAVE EXERCISED A RIGHT WITH KEYBANK ALLOWING KEYBANK TO OBTAIN MY CREDIT CARD FOR THE SOLE PURPOSE OF EXTENDING CREDIT AND HAVE BEEN DISCRIMINATED AGAINST DUE TO BEING DENIED CREDIT UNDER THE ECOA FOR EXERCISING A RIGHT. THERE IS NO FEDERAL LAW THAT STATES A CONSUMER CAN BE DENIED A RIGHT BASED ON A FAIR ISAC CORPORTTION SCORE. THIS ADVERSE ACTION HAS CAUSED HARM IN MY DAY TO DAY LIFE AND HAS EVEN LEFT A FALSE NEGATIVE REMARK ON MY REPUTATION WHICH WILL FURTHER HURT MY RIGHT TO CREDIT. KEYBANK HAS OBTAINED MY CREDIT CARD AND CREDIT CONSUMER APPLICATION ( SECURITY ) BUT HAS FAILED IN EXTENMDING ME ME MY CREDIT NOW IN VIOLATION UNDER 15 USC 1644 AND THE SECURITIES EXCHANGE ACT OF 1934. KEY BANK HAS FAILED TO DISCLOSE TO ME AT THE TIME OF APPLICATION OF MY FEDERAL RIGHT TO RECISSION UNDER TRUTH IN LENDING SO NOW UNDER THIS ACT MY DEAD LINE IS NOW 3 YEARS. SINCE KEYBANK HAS CHOSEN TO DENY ME A RIGHT BUT OBTAIN MY SECURITY WITHOUT EXTEND BACK TO ME CREDITS I HEREBY EXERCISE MY RIGHT TO RECIND MY " ORIGINAL '' CREDIT CARD APPLICATION WITH KEYBANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
credence obtained my information through XXXX  they are trying to collect on there behalf and I gave them no authority to do so they've already contacted me several times attached below are the reports from FTC.gov and a letter they sent me claiming to be representing XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX CALLED ME ON XXXX TO MY PHONE NUMBER XXXX. WHEN I ANSWERED THE CALL AN ADAD CAME ONLINE AND STARTED GIVING ME THEIR MESSAGE AND THEN A LIVE PERSON CAME ONLINE. I TOLD THE CALLER THEY CALLED THE WRONG PARTY. I ASKED ABOUT THE ADAD/ATDS THAT CALLED ME, THAT IS THE COMPUTERIZED VOICE, THE CALLER CONFIRMED IT WAS A COMPUTERIZED VOICE THAT MAKES THE CALLS. WHEN I TOLD HIM I WAS ON THE XXXX XXXX AND THE TEXAS NO CALL LIST. HE SHUT ME DOWN WHEN HE TOLD ME HE COULD NOT GIVE ME ANY OTHER INFORMATION. I DEMAND TO BE PAID {$500.00} FOR EACH VIOLATION OF TBCC SECTION 301 AND 305 AND FOR THE VIOLATIONS OF THE DEBT COLLECTION LAWS. THEIR CALL TO ME WAS AN ATTEMPT TO COLLECT A DEBT. I DISPUTE THIS DEBT AND WANT RESULTS OF THEIR INVESTIGATION SENT TO ME. DO NOT CALL ME ANYMORE.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have repeatedly asked Citizens Bank to stop sending me marketing solicitations. They make it extremely hard to even find out how to do it. You have to search on their website to even find it and when you do it gives incorrect information. 

I have attached the solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to dispute some inaccurate information on my credit report with Experian and they keep sending me email stating that they don't believe it's me that's disputing my information. I have responded with confirmation that it's me, all of my personal information as well as copies of my identification, social and a proof of residence and they still send me emails stating they don't believe it's me. When I try to call the number on the email, it's just a loop and does not take you to anyone that can help. It appears this is some sort of a scam to get you to sign up for the Experian Website or App so they can charge you money to dispute the things on your credit report. I am not interested in paying being a member of Experian, I just want the inaccurate accounts on my credit report investigated and removed. I was under the impression that the Credit Bureaus had to comply with the Fair Credit Reporting Act and had to investigate disputes and that the CFPB regulated these companies to comply and that is why I'm filing a compliant. However, I'm reading on the CFPB website that these companies often ignore disputes and you have to file complaints with the State Attorney General or file a lawsuit against them. That's confusing because they are violating Federal Laws! Why doesn't the CFPB protect consumers against these companies like Experian and allow them to violate consumer rights and the Federal Law?

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 2023-10-31 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two claims for transactions that were made by someone who stole my cards. After receiving all my records I filed these claims for purchases made without my consent. I contacted boa and asked them to give me provisional credit within ten days as they are supposed to. Please help me get my money reimbursed to me

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I open checking and saving account in Jpmorgan case bank XXXX XXXX on XX/XX/2023 in order to receive fund from XXXX to pay wife and I XXXX XXXX  expense. 
After did a couple of transaction my account suddenly was locked and all the payment was stopped by bank, then someone from fraud depart said my account have unusually activity they need to close my account, then my account was close in XX/XX/XXXX, then they said they need to investigate, since then already over three months, during these time I try to explain the questions if necessary but they ignoredright now my money hold in the bank more than XXXX XXXX I need the money to pay medical expense, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: ID

Complaint narrative:
Back in XXXX - XXXX XXXX would receive over payments or extra payments from me. They would only apply to interest going forward not to principal as required for simple interest loans. I refinanced my loan with XXXX and I thought they would solve this issue but my loan is still with XXXX. I still have never received credit from past interest charges. If these payments would of been correctly credited to principal as required my load XXXX be already paid off, as I have been paying on this loan for more than 20 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I have a two-year loan and this company is Fay Serving , keep charging me extra money. over XXXX XXXXXXXX XXXX. I have another year. I'm trying to refinance, and I call customer service and I'm on hold for a whole hour and still no answer. meanwhile I could lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was the victim of false charges to my account by XXXX, with whom I have NO business dealings. I have twice filed fraud charges with Wells Fargo, my bank. They have refused to acknowledge it as fraud and have closed the case for the second time. I have been instructed to seek recompense from XXXX for the charges to my business checking account. 
XXXX charges in the Amount of {$1600.00} were leveled at my account on XX/XX/XXXX, using a debit card ( NOW XXXX ) ending in XXXX. Three went through and one was declined. I saw them on Saturday the XXXX of XXXX as pending charges. I immediately called and asked the charges not be honored and reported it as either fraud or identity theft. The charges came through on the following Monday. Now I am out the money and so far people just shrug and say they can not help me. 
The charges were as follows : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX  WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX web service XXXX WA XXXX CARD XXXX {$1600.00} XXXX IS where the money went and I HAVE NO BUSINESS RELATIONSHIP WITH AWS! HOW CAN XXXX SIT ON MY MONEY AND REFUSE TO SAY WHO GOT THE BENEFIT OF MY WAGES? ITs MORE THAN MY COUNSELING BUSINESS MAKES IN A MONTH! I HAVE NOTHING TO SHOW FOR IT. I will have to try to expedite my claim with state and federal authorities. The stress is hurting my health. Is there no one who handles these kind of fraudulent charges at your company? Clearly Wells Fargo is not willing to help. Both XXXX and XXXX say there is nothing that can be done. I need someone to explain why a business can take my money without my permission, then tell me nothing about who benefitted from my {$4800.00}?

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Got a notification for an inquiry for an American Express. 
I believe someone hacked into my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I applied for SAVE on XXXX through StudentLoans.gov for my servicer, Nelnet. ( My loans were formerly serviced by Great Lakes. ) The payment plan was not applied, so I used Nelnet 's online form to request assistance. I received an automated reply on XXXX that I would not be receiving a reply. I tried calling, but was not connected after hours of waiting. I applied again through StudentLoans.gov for the SAVE IDR plan on XXXX After reading online that many people needed to upload their tax return to Nelnet 's documents portal, I proactively uploaded my most recent return. My account was put into " administrative forbearance '' and continues to accrue interest. I have been asked three times to make a {$5.00} payment to finish enrollment in the plan, and have made the payment twice. Doubtful that making the payment a third time is going to do anything, I tried to call, got disconnected, have sent another submission through the online form, and am now creating this complaint. Nelnet 's inability to properly and promptly process the SAVE IDR requests is resulting in financial harm to me as interest accrues. The lack of accessible customer service is salt in the wound.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you.

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
Hi, My mortgage was bought on XX/XX/2023 by, Nationstar Mortgage LLC d/b/a Mr. Cooper XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX : # XXXX XXXX On XX/XX/2023 I received a notice from XXXX XXXX, my homeowner 's insurance company saying my insurance had not been paid and was going to expire at the midnight after XX/XX/. 

Upon trying to trying to contact " Mr. Cooper '' on their website and the phone, they provided no way to resolve the issue. The woman on the phone hung up on me after I courteously told them the problem and made no attempt to re-contact me. I also submitted the case on their messaging system, and never received a response. 

So in order to prevent my policy from lapsing and being uncovered, I paid the full amount : {$3200.00}, and now I have to wait for Mr. Cooper to pay so the the insurance company will reimburse me. I've never seen anything like this in 25 years of making mortgage payments. They boast all over their website about " never having to worry, we pay taxes and insurance way before they're due ''

Company response to consumer: Closed with explanation