vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I am the Personal Representative for the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, last XXXX numbers of the American Express Credit Card XXXX, Last four numbers Social Security : XXXX. 

On or about XX/XX/XXXX, I notified American Express ( XXXX  ) that XXXX XXXX died XX/XX/XXXX and asked XXXX to close the account. I was informed that the account had a balance owing or {$140.00}. I a sent my check # XXXX, dated XX/XX/XXXX. XXXX  deposited by XXXX  on XX/XX/XXXX. 

In or about XX/XX/XXXX, I begin the process to collect the membership rewards for the Estate. 
A letter dated XX/XX/XXXX from XXXX stated, " ... we're unable to complete your request ... Account has past due amount of {$990.00} ''. 

I mailed a balance dispute letter XXXX XXXX. In addition to providing evidence that the {$140.00} was paid, I sent information to document the payment of XX/XX/XXXX account billing. 

On or about XX/XX/XXXX, I received an email stating that XXXX was confirming a change of address, phone number, and email for the account. 

I called XXXX today XX/XX/XXXX to tell AM that I did not request a change in address, etc. The Customer Service Rep. stated that the account had been turned over to a Third Party Collection Agency, the system was down, and I should call back after 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I closed on my mortgage with XXXX XXXX  on XX/XX/2022. I paid {$2100.00} into my escrow account at closing. I made my first mortgage payment to XXXX XXXX  on XX/XX/2022 which included my {$470.00} escrow payment. XXXX XXXX  subsequently sold my Mortgage to BSI Financial. XXXX has told me they sent my {$2600.00} escrow balance to BSI Financial effective XX/XX/2022. BSI Financial has told me they only received {$2100.00} for my escrow account and refused to look into my missing {$470.00}. They told me to contact XXXX and provided no assistance. XXXX said they would investigate the issue, but I believe it should be on the loan servicer to make sure the loan is being serviced properly and to investigate issues I bring up to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, XXXX I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my Experian and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get Experian or XXXX to remove the inquiries. EXPERIAN Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )

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 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Received a refund in the form of a check for {$13.00} issued by Kohl 's for returned merchandise. Cashed check at my banking institution and later discovered that Kohl 's did not honored the check. It was returned and I was charged {$13.00} and {$10.00} service fee, totalling {$23.00}. I have tried contacting Kohl 's over the phone, in person, and email without any results. Check of {$13.00} was cashed approximately XX/XX/XXXX and returned on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called TD Bank Fraud department regarding a denied charge on my credit account. 
During the verification process the customer service rep ask me for my Social Security number. She said that she needed the full social security number. I hesitated but she said she is with the fraud department and requires that I give her my social security number. 

I gave her my social security number and my Credit card information. SHe reversed the denial on my credit card and transaction went through. Later, I called back TD bank because of my anxiety with her demanding my full Social Security number. When I spoke with the customer service rep she stated that TD Bank 's policy is to ask for the last 4 digits of the social security number and she didn't see any notes on the account regarding my previous phone call to the fraud department.. Now I very upset over this and she said TD Bank will have a supervisor contact me. Several days later a supervisor called me, however she said there isn't much she can do because there are no notes on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Would get upwards to XXXX calls a day from Comenity Bank, This happens Everyday even on weekends nonstop for the last XXXX XXXX years. They leave detailed messages stating I will need to have my lawyer to contact them or it will be escalated to the next level. They have upwards to XXXX different numbers calling me nonstop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately remove each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a hard inquiry on my credit report without any information but the company name and address. After being transferred to XXXX different departments they told me they couldnt help me unless I knew the company ( ie : XXXX, XXXX XXXX, XXXX ) I told them I had no way of knowing that since I was reporting fraud and I didnt apply for the credit card and they told me they couldnt help me until I got that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-05 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
About the middle of XX/XX/2022 I reported my card lost. The card was cancelled and replaced. I did not activate my card on purpose because I was thinking about not using it any more - instead of mileage get cash back. Before I activated the account they let 7 charges go through. One of the charges involved an account that was doing an automatic pay ( which I did not realize ). My card was not only not activated but they allowed a charge that didn't even have my last credit card number. This is my XXXX XXXX XXXX account with Chase bank. My mail goes to a po box . 
What if an employee took that card ( not activated ) and had a ball charging. I had to negotiate with the anual charger and received a credit of over {$100.00} dollars. 

I contacted customer service and then went to a bank and a bank manager gave me contact numbers and that's how I ended up here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My initial fraud alert has been expired for XXXX  days now and I can not renew it using my online account, despite it being shown as expired. My only available option online is a XXXX fraud alert or a military fraud alert ... but not an initial fraud alert. Also, earlier, 2 days before the initial fraud alert expired, I called Equifax and asked the customer support person to renew the alert. He ( difficult foreign accent ) said it would be done and provided a confirmation number. But when I look online, it is not done. Equifax should upgrade their web site and hire personnel who will do their job. Something that should take me XXXX minutes takes hours of investigation stuck in idiotic automated phone systems. Equifax is the worst of the big XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Im not sure why my complaint was closed when I have 60 days to respond that's not professional at all. OneMain continues to persist that they aren't governed by federal law which is not true at all. OneMain never explained to me what how they came up with the finance charge in our agreement. Not only that but I also read that the finance charge is the sum of all charges, so how would I be paying anything more than that? I also understand that OneMain is supposed to tell me about my right to rescind this transaction and Never did. None of these right were clearly and conspicuously disclosed to me. This whole transaction is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
We have a Lane Bryant store credit card. Comenity Bank/Bread Financial has not reported our payments & account balance to the three credit reporting bureaus since XX/XX/2022. We have called them on the following dates, regarding this issue, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time we were given a different reason for the account information not being reported, and we still have no resolution to this issue. On XX/XX/XXXX, we were told that they were updating their reporting system, and that the reporting would be done on XX/XX/XXXX. We have had it for two weeks and there was no change in the reporting on our credit reports. On XX/XX/XXXX, we called and were told that the reporting can take up to 60 days, and they offered to have the reporting expedited. We waited until XX/XX/XXXX, and there was still no resolution, so we called again and were told that there is no way to expedite the reporting, and that it can take XXXX to 60 days for the reporting to be completed. Still no resolution to the issue, and another run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USBC 1666B : A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose. 

I ask that all late payments on my credit report be updated to on time payment and still remain on my reports on these XXXX accounts JPMCB Auto XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Card account was opened on XX/XX/2022 On XX/XX/XXXX, the annual membership fee of {$690.00} was added to my account. 
On XX/XX/2022, I made a payment of {$690.00} to my card account to cover the membership fee. 

My account was open for about only XXXX weeks before amex decided to close it, so I am requesting the full or pro-rated refund of annual fee since I didn't get to use my card for the full year. 

I contacted AMEX customer service, after learning that my account was closed, to request the refund and was told that the request to refund the membership fee has been initiated but no refund has been posted yet to my account Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I applied for a modification and was approved with payment to begin XX/XX/2022. My payment increased from {$940.00} to {$2300.00}. Since the payment raised so much I was trying to save up the payment to get it in by the last day of the month. I was on track to have the money in to my lender on XX/XX/2022, as the paperwork said I had to get it in during the month. On XX/XX/2022 hurricane Ian hit and I lost electricity, was out of work and could not access my cell phone. I then called my lender in XXXX to explain the situation and I was told to call FEMA and apply for a disaster forbearance. I just needed additional time to pay the modification because of a hurricane that was out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: MS

Complaint narrative:
I got the loan but was not expecting the interest or length of payments. I also didnt expect to have the insurance tacked on.

Company response to consumer: Closed with explanation