vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC1681 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: MI

Complaint narrative:
We filed 2 disputes with Capital One back on XX/XX/XXXX. One with credit card ending XXXX for {$2200.00} and one with credit card ending XXXX for {$12000.00}. These charges were for an upgrade to our timeshare membership on XX/XX/XXXX. However on XX/XX/XXXX, ( XXXX XXXX XXXX ) breached our contract by cancelling reservations for XX/XX/XXXX & XX/XX/XXXX in which we signed an addendum to our contract on XX/XX/XXXX stating XXXX XXXX XXXX would not cancel any reservations we had made prior to that date, but they did anyway. So we are requesting our money back from XXXX XXXX since they breached contract in which we have all documents stating they breached contract. We forwarded over 100 pages of documents to Capital One for each dispute listed above. I have called every week/daily since they received documents for updates, and we kept getting the answer, " we are working on it ''. I have called and spoke to multiple supervisors, & head supervisors and we have been told multiple stories of what is going on and why they have not contacted the merchant yet. It has been almost 8 weeks ago since we submitted the case and every time I have called, they said they have all they need to submit to merchant, but it has not been done. Today when I called for an update, they told me that we need to contact a random timeshare company and get a second opinion. We are completely exhausted with them telling us something different for each call. Now we need to call a random timeshare company and get a 2nd opinion and they are just telling us that after 8 weeks and multiple calls to Capital One inquiring about our dispute. They have in no way helped us out at all. We were scammed by this company in XXXX and we have never filed a dispute but never thought we would be treated this way. Please help us!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo Active Cash credit card, the way it calculate and charges interest, is that if you don't pay the last statement balance in full, you will be charged interest on the whole balance not on the unpaid balance. So for example, if my statement balance is XXXX $ and I make a payment of XXXX $ by my due date, I still will be charged interest on the whole XXXX XXXX not the XXXX $ unpaid balance. This is unfair, and mostly disadvantaging underprivileged customers living paycheck to paycheck. 
More importantly, the way interest is calculated is not described in the terms and conditions agreement provided once signing up for the credit card. Therefore, this is an unfair charge which is also not disclosed properly.

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 2022-10-14 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have sent a copy of my police report detailing my whole purse was stolen and all items were in it. I am being charged more interest each month my credit card bill is going up although I have an active appeal and theres no new charges that have been made. I have been credited {$270.00} for XXXX charges XXXX I disputed as fraud in calling back daily to add charges they have forgot about even though on XX/XX/19 everything is listed in an e-message I have an outstanding $ XXXX charge and {$2700.00} charge for XXXX XXXX XXXX now told they are treating it as an appeal and not giving provisional credit although they left these two charges out months ago I Just got confirmation it was added to my claim in XXXX I pay my bill monthly interest a d all and this is just not fair to resolve this and I keep paying higher bills its my understanding during a dispute they wont charge all this interest its my understanding this is zero liability for fraud I love this bank my son husband all use it in a victim of identity theft and have had to deal with other companies to rectify charges get new identification etc by far this is the hardest and worst experience I have anxiety calling the bank now and am thinking about switching all my business from this bank as its not fair whats going on Im giving no time limit for resolution Im over credited for a transaction missed several other transaction its affecting me the amount of time Im spending on this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I bought my home in XX/XX/XXXX. I am XXXX XXXX XXXX and I applied for and was approved for the Senior Homestead exemption on my taxes in XX/XX/XXXX. I have been asking for the escrow to be recalculated to reduce the payment since XX/XX/XXXX. I sent XXXX more emails to their customer service dept. on XX/XX/XXXX. They still refused to confirm receipt of the documents. So I called them XX/XX/XXXX to see what else they needed or to get a status of the request and they said they never received the documents. They told us to send the documents again so I emailed the same address again with the new tax bill showing the exemption along with the original application and my new ID with the address on it. I was told it would take 30 days to process the " analysis '' of the escrow. We called again XX/XX/XXXX and XX/XX/XXXX and they still do not know when it will be complete. This is causing me great financial hardship and I need help to make them adjust these payments. I am getting refunded by the tax office because they are collecting too much for the taxes but still refuse to process the change to the escrow. I don't know what else to do other than to file this complaint and see what can be done to help me get this processed. I am a retired XXXX Veteran and among some of the first women ever enlisted in the XXXX as a XXXX. I deserve this tax break and I have worked my whole life. I see no reason why it takes 6 months to a year to recalculate the tax deduction for the escrow. 

Thank you XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
A Bank of America card was opened in my name for XXXX the bank knew my address, ss, address and phone number.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Global Credit Union
State: CA

Complaint narrative:
i called XXXX to close my account and they said they cant and wont. 

i want my account closed and my money returned to me. they are holding my money hostage aka theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
When my brother was alive I did present myself to the lender ( Chase Bank ) with a power of atty. trying to collect and withdraw the total money in my brother 's savings account because my brother was XXXX XXXX XXXX XXXXXXXX ) and had few months to live. The answer I received was : Our legal department will look into it and after waiting several days, I was told the signatures do not look ok and refused to let me have the money. A month later my brother passed away ( XX/XX/2022 ) and the case went to probate. After waiting six month I received the probate papers last week and presented to the bank but ... ..again ... ..the answer I received was ... ..our legal department will look into it and there is a process that we have to go thru. Fine, I understand ... ..I did go to the lenders address at least few times with no result ... .bear in mind every time I go to their office... ..I lose money ( income ) from my work. I do have a family to support with a big mortgage on my house. The lender does not seem to understand nor care. They are dragging their feet. I submitted to the bank ALL necessary papers including my brother 's certificate of death etc ... .. and I left all these papers with them a week ago. This process that the lender is referring to really should not take this long as I do have my brother 's creditors calling me every day for their payments and I told them this .... the answer was ... .we don't care about that ... .. we have a process in the banking system. The person whom I talked to was XXXX XXXX XXXX at XXXX and the branch manager XXXX XXXX XXXX at same branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Every time I was in that office I conducted myself in a professional way, did not press them and was very curtious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian keeps saying that they have reinvestigated this XXXX account but I have never had a XXXX account and they won't send me any proof on this account. I have previously submitted a complaint and they are ignoring it. it is file XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Re : Navient Settlement XX/XX/XXXX My name is XXXX XXXX. I am requesting student loan debt cancellation. According to the https : XXXX I am a borrower whose debt spans generations : my mid-career student loan was applied for through XXXX XXXX XXXX XXXX. I was residing in the XXXX of Maryland when I applied and returned to Maryland after the 2 year XXXX XXXX was completed in XXXX. 
For years Navient failed me ( XXXX XXXX ) and consumers who counted on the company to help give us a fair chance to pay back our Student Loans. Consequentially, prior to and since the XXXX settlement resolution, the interest has accrued due to Navients forbearance steering practices. As a result, this borrowers loan balances has almost doubled from approximately {$50000.00} the original amount to approximately {$93000.00}. 
During the last 24 years, Navient has failed and or refused to disclose accurate information on loan forgiveness after XXXX years of qualifying payments. 
In a recent phone call to the Navient, the representative, misinformed this caller about loan forgiveness and placed this borrower on hold multiple times for XXXX minutes ; and refused to answer questions about the number of forbearances, income driven, deferment applications were filed from this borrower. The representative refused to disclose the number of payments received from this borrower, asking, whats the reason for the question. After being placed on hold for a long period, she answered that the total was approximately {$14000.00}. 

The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. As result of said conduct during the aforementioned phone call, Navient has failed to adhere to the terms of the Settlement. After many, many phone calls it appears Navients guidelines for Loan Forgiveness are either impossible or Navient is not following the Settlement terms. As a result, Navient has impeded the timely process of applying for student loan forgiveness. 
Finally, this borrower, XXXX XXXX, did not receive any notification or information from the Servicing provider, Navient of the class action lawsuit settlement. Nor did XXXX XXXX receive a Post Card. 

What recourse is available now that I am well past the age of retirement having worked directly in Public Service positions and currently as a XXXX with XXXX. 
Thank you and I appreciate your consideration and assistance. 

Respectfully, XXXX XXXX, LMFT MA ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 my identity was stolen. A XXXX XXXX XXXX XXXX was illegally purchased by establishing a 24 month financing program under my name. I did not make this purchase, know nothing of it or the financing program, and Ive never even owned a XXXX product.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
XXXX have never had an account with this company ALDOUS XXXX, REMOVE from all credit agencies from reporting. 
XXXXconsumer  means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a  ( XXXX ) XXXXThis  letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( XXXX ) You are ALDOUS AND ASSOCIATES the debt collector 15 U.S. Code1692a ( XXXX XXXX I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( XXXX ) XXXX.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXXAccording to 15 U.S. Code 1962e ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the 15 U.S. Code 692f Unfair practices ( XXXX ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in 15 U.S. Code 1681a ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to resolve this issue with citi financial/Macys for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against Macys XXXX-complaint against citi finiancial.

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 2022-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
A {$7500.00} dollar credit card was opened in my name through Bank of America which I did not authorize XXXX or XXXX of 2022. I have placed an active fraud protection to stop any charges that may occur.

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 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an important notice from Chase stating that my COVID-19 mortgage payment assistance period will end on XX/XX/XXXX. I reached out to Chase by telephone using the number listed at XXXX to request a mortgage forbearance extension. After speaking with the person on the telephone I was told that my forbearance extension was being granted until XX/XX/XXXX, and that my confirmation number was XXXX. 

On XX/XX/XXXX, I requested that Chase provide me with the extension given by them in writing due to the urgency related to my current forbearance ending on XX/XX/XXXX, I explained that there should be a process in place to ensure that there are no laps in the forbearance process and that there should not be any opportunities or reasons for default of a consumer 's mortgage loan. 

Instead of getting any assistance, I was told by Chase that I would not receive anything in writing until 2-3 weeks after making my extension request. This deadline would possibly place me past the due date that my forbearance would be ending. After going back and forth with Chase staff regarding this issue I requested that Chase simply email me something in writing acknowledging that my request for forbearance was granted on XX/XX/XXXX, and to include the reference number that was given by Chase inside the email. 

Chase refused to provide the requested information by email. Chase 's refusal places my loan at risk of default. This information is crucial when working with mortgage consumers in the forbearance extension process. 

I am requesting assistance from your agency with this matter.

Company response to consumer: Closed with explanation