vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I've Been Working With A HUD Counselor On Modifying My Existing Home Mortgage With SPS Inc.Since XX/XX/XXXX, And My HUD Counselor With XXXX XXXX. In Minneapolis Has Been The Non Profit That's Been Helping Me With Filling Out The Forms That The Mortgage Company Has Been Sending Out to Me. I Found Out That They Had Started Foreclosure Proceedings On My Home.I Was Told By MyHUD Counselor & The MN Dept. Of Commerce & The MN Attorney Generals Office That They Broke A Federal Law By Starting Foreclosure Proceedings Without Modifying My Homes Mortgage. I've Been In My Home For XXXX. & I Don't Plan On Letting Some Crooked Mortgage Company In XXXX XXXX XXXX, Utah Steal My Home. I Was Told By My States Attorney Generals Office Here In Minnesota To File A Complaint With Your Office As Well I Did With His Office. I Also Filed A Complaint With My Dept. Of Commerce Here In Minnesota As Well & They Also Told Me To File A Complaint With Your Office As Well. The AG 's & MN  Dept. Of Commerce Office Is Sending Mortgage Company A Warning Telling Them To Stop The Sell Of My Home On XX/XX/XXXX Until The Mortgage Has Been Modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: TX

Complaint narrative:
So I have already paid over {$700.00} of interest and I was never told that the small minimum I pay just goes to interest, but my full amount with interest was {$360.00} and the loan I took out was {$290.00} so how is it that I paid over {$700.00} worth of interest and was never told that nothing went to my loan at all.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate information present on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies despite my previous attempts to rectify them is unacceptable and has caused me significant distress. 

Under the FCRA, consumers have the right to accurate credit reporting, and your failure to uphold this obligation reflects negligence on your part. These inaccuracies not only damage my creditworthiness but also infringe upon my legal rights as a consumer. 

I demand immediate action to rectify the erroneous information on my credit report in compliance with the FCRA. Additionally, I expect compensation for any damages incurred as a result of your agency 's failure to comply with federal regulations. 

Failure to address this matter promptly and appropriately will compel me to escalate this complaint further, including reporting your agency 's non-compliance to the appropriate regulatory authorities. 

I anticipate a prompt response outlining the corrective actions taken and a timeframe for the resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one has been violating my rights as a consumer and making threats enforcing me to send them cash payments for an account that's already been redeemed according to 18 USC 8 I sent them my Restrictive Endorsement see attached that was a remittance transfer according to 15 Usc 1691o-1. Capital is violating my rights I sent a legal tender of payment according to UCC 3-603 and TN law 47-3-603. According 18 USC 1691. Racketeering activity ; extorting Capital one is extorting me for US Dollars and reporting negative reports to my credit report I've exhausted all my remedies of payment. I even filed a 1099c see attached because I filed it as debt and debt can not be reported. 
Capital one says my account is in cease and desist but still is soliciting mail to my address thats how I ended up with my statement see attached. Which violates 39 U.S. Code 3001 - Nonmailable matter Capital one refused my tender of payment therefore the account is discharge under UCC 3-603 AND TN 47-3-306 They are telling me my payments are fraudulent but Capital is still continuing committing mail fraud under 18 USC 1341

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2024, I advised CashApp of fraudulent charges on my sponsors ( my minor son ) card from XXXX. The charges depleted my sponsors cash balance and no representative could provide me any information about the transaction besides the name of the merchant ( XXXX ). I submitted a dispute for the unauthorized charges. I subsequently received an email to verify my identity. When I clicked the link, it gave an message We couldn't verify your identity after potentially fraudulent activity occurred. ( Please see attached ). I then received a notice that my claims for the fraudulent transactions were denied because I did not verify my identity and I violated CashApps terms of service but my identity has already been verified through cash app and the link that was provided did not allow for any information to be entered. CashApp has allowed my funds that are supposed to be protected by the FDIC to be stolen, did not investigate the issue that allowed this to occur nor has refunded the money that was stolen from the account. When I called to ask for the method of investigation for the fraudulent charges, no one has provided any information. I was told that my account violated their terms of service. When asked what term was violated, not XXXX representative could advise me. I am who was violated as the consumer that was stolen from when my funds were supposed to have been protected by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-04-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
This collection agency is not authorized to collect in the state of Florida. Eastern account system is not legally authorized to collect in Florida. This debt needs to be removed from my report as they are not authorized on the XXXX XXXX XXXX to collect in the state of Florida.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
On or about XX/XX/2023, offender fraudulently acquired my private property and used that private property to acquire additional private property and credit information by pulling my credit without my knowledge and/or expressed written permission.

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 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
Payment was not credited, bank statements sent to lender showing payment but lender is stating the funds was reversed for XXXX, after talking with the bank they sent me a letter stating the payment was issued to the mortgage company. This was back in XX/XX/2022 and still going on today about a miss payment in XX/XX/2022. I asked the mortgage lender to tell me which bank the payment was reversed to but they said they cant tell me that so I think something is wrong with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I advised Mohela that XXXX XXXX XXXX ( original student loan servicer ) gave me incorrect information/lied to me, about whether I had the correct loans to qualify for PSLF ( I had an FFEL loan XXXX but qualified for an income based loan repayment plan ). As already stated, I qualified for the XXXX payment requirement. However, I : 1. Qualified for an income based repayment plan as I only made {$35000.00} in XXXX and maxed out at {$70000.00} in XXXX. As such, I over paid my loans and am seeking a refund for those overpayments due to XXXX XXXX lies/incorrect information. 

2. I made loan payments from XXXX to XXXX, which were automatic overpayments as I qualified for the PSLF, program, but due to the federal government/loan servicers mistakes, we deemed in-eligible for PSLF. I am seeking a refund of those overpayments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called Synchrony Bank on XX/XX/2024 to make a payment for my TJX Rewards Mastercard by calling the number on the back of the card XXXX ( XXXX ) XXXX and spoke to a representative that took my payment of {$200.00}. Before I was able to make payments using the automated system by inputting my card number, zip code, and last four of my social. Recently however I am no longer to pay unless I speak to a representative. After making my payment I then called their XXXX ( XXXX ) XXXX from their website and when I spoke I representative after giving her my full name, home address, date of birth, and last four of my ssn the representative told me that the information I provided does not match. I told this representative that the information I provided is the same info I have always used and I am the only authorized user for this card I asked who changed my account info without my permission and how can it could be possible that I made a payment with another representative the same day for {$200.00} and was able to find my TJX Mastercard account. I am very worried about my account and personal information being used incorrectly and have not been able to get any help from Synchrony Bank regarding this issue.

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 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
hello on XX/XX/2024 I received a notifications on my phone from credit karma saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX XXXX XXXXXXXX XXXX INQUIRIES AND XXXX CAPITAL ONE BANK INQUIRIES ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, CAPITAL ONE BANK AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX in process of putting a freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not the owner of these inquiries, and I am not connected to any of the creditors listed. I need their removal from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
Recently, I experienced significant discomfort and pain in my teeth, prompting me to schedule an appointment with my dentist for a thorough examination. After careful evaluation, it was determined that the source of my discomfort is directly linked to a XXXX XXXX, which has been attributed to the use of XXXX XXXX XXXXXXXX XXXX. I have been a customer of XXXX XXXX XXXX and have been diligently making payments for their XXXX XXXX. However, discovering that their product has resulted in XXXX XXXX is deeply concerning and unacceptable. So since the company went bankrupt there is no service they offer to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NV

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute and seek your intervention in a matter of grave concern regarding my banking relationship with Chase Bank XXXX On XX/XX/XXXX, I received a notice from Chase informing me that my accounts may be closed if I did not reach out to them. When I reached out the same day I was informed that my accounts has been closed, and my funds have been withheld without any explanation provided. 

I have been a loyal and responsible customer of Chase Bank for quite some time, and I have always maintained my account in good standing. I have never engaged in any activities that violate the terms and conditions of my account agreement. Therefore, I am utterly perplexed and deeply troubled by the sudden closure of my account and the withholding of my funds without any prior warning or explanation. 

Despite numerous attempts to contact Chase Bank and seek clarification regarding the reasons for this abrupt action, I have been met with evasive responses and lack of transparency. The lack of communication and accountability demonstrated by Chase Bank has left me in a state of financial uncertainty and distress.

Additionally, I was advised by Chase Bank branch representatives on XX/XX/XXXX that my funds would be sent overnight to me. However, upon following up, I was informed that there were no funds in my account to send, despite the fact that over {$5500.00}, including my XXXX benefits from the Department of Veteran Affairs, is missing. This situation has put me at risk of eviction and has caused severe financial hardship. 

I am consistently met with dead ends and endless transfers when attempting to resolve this issue with Chase Bank. I believe I am a victim of theft by the bank, as they have failed to provide a reasonable explanation for withholding my funds and closing my account. 

As a consumer, I believe that I am entitled to clear and justifiable reasons for any actions taken by my banking institution, especially when they involve the closure of my account and the withholding of my hard-earned funds, including critical benefits. Therefore, I am reaching out to the Consumer Financial Protection Bureau to request your urgent assistance in resolving this matter promptly and ensuring that Chase Bank provides me with a satisfactory explanation for their actions. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly and take appropriate measures to hold Chase Bank accountable for their conduct. No consumer should have to endure the XXXX  and frustration of having their account closed and their funds withheld without valid justification. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-09 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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