vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: MD

Complaint narrative:
I Got a mortgage from ARC HOME, LLC Back on XX/XX/2022 and my payment is due on XX/XX/2022 I've been calling the mortgage company to know how to make a payment since I haven't received any letters explaining how to make a payment. I get hanged up on when I call or they get my information and tell me that a manager will be contacting me regarding that issue I never get a call back and my issue is not resolved and I'm worried because my payment is going to be due in 3 days and I don't want them to report it as a late payment please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is 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 2022-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
ONEMAIN has engage in unfair behavior and willfully noncompliance with the law. knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to onemain and they did not respond and also I sent the second letter to onemain on XX/XX/2022 and ask the for the second to third time that I request onemain and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how onemain falsify information or took information from my disputes and refurbished as new. Also in my copies you see were onemain has scratch out my name and removed it under the so call signing line these documents are false. The address and account number that onemain report under my social on my credit report is incorrect I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.

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 2022-07-26 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!

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 2022-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: TX

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
SOMEONE TOOK MONEY FROM MY ACCOUNT AND STOLE FROM MY ACCOUNT AND NFCU CLOSED DOWN MY ACCOUNT AND I CAN'T ACCESS MY ACCOUNT, IT IS RESTRICTED BECAUSE SOMEONE TOOK MY PERSONAL INDENTIFICATION INFORMATION AND DEPOSITED CHECKS, I HAD A BUSINESS ACCOUNT AS WELL AS A PERSONAL AND I DO NOT KNOW WHO DID 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 2022-07-26 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
In XXXX XXXX I received a notice from Flagstar Bank that a vendor they use ( XXXX ) had breached my personal confidential information. The unauthorized data breach took place in XX/XX/XXXX, I was not informed about this event until 3 months later. 

In XX/XX/XXXX- I received another notice from Flagstar Bank that they had breached my confidential data again. There was a " cyber incident involving unauthorized access '' to their network - files containing my personal information were compromised again. 

I am filing a formal complaint against Flagstar Bank, a mortgage company that at one time " bought, owned, and then sold '' my mortgage, through no choice of my own. Flagstar Bank is putting me at risk and not protecting my privacy! I want it on record and this complaint is demanding that Flagstar Bank fix their problems and PROTECT my files/records, confidential, and private information to STOP putting my identity and private information at risk. This financial institution must do better and this must be corrected effective immediately.

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 2022-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, American Express National Bank ( AENB ) stated in writing the interest rate 0.5 % for Savings. 
I opened a Savings Acct. on XX/XX/XXXX : IRA # XXXX Issue 1 : I sent Checks to AENB on XX/XX/XXXX & XX/XX/XXXX. AENB record show deposit of checks on XX/XX/XXXX [ 11-days late ]. At interest rate of 0.4 %, not 0.5 % as promised. 
When I Q -- why? AENB didn't have an answer. 

Issue 2 : On XX/XX/XXXX, AENB withdrew {$25000.00}. from my Savings.

. I didn't receive those funds -- so, AENB put those funds back into my Savings 6-months & 10-days later ( as miscellenious deposit ), and didn't add interest. 
. So, on XXXX, I sent a Fax asking AENB 4-simple Qs, and I didn't get any answer :. Q : Why did AENB made this as a 'miscellaneous deposit ', never paid to anyone?

. Q : Did AENB report the transaction to IRA -- if it did, please fix it to avoid a problem? 
. Q : Advise whether AENB is willing to add interest for 6-months & 10-days? 
. Q : On XX/XX/XXXX, AENB shows interest payment of {$810.00} -- please advise where I can verify if this amount is accurate Or provide me a statement of 'monthly account balance, interest rate, interest paid, and the total balance ( for me to verify ). 
I did advise AENB, if it won't resolve this, I may have to report to Feds.XXXX 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I reported to Transunions through XXXX that the balance to our home depot account should be XXXX, paid off, but still open. 
I get a email from XXXX XXXX that my credit score has changed, dropped, i go look at my credit report and my scores decreased by XXXX points. I notice the home depot account is gone completely. I try to call Transunion and no luck as cant get through on the automatic prompts for my reason, then i instant message transunion on XXXX XXXX  and reps told me that the reason it was deleted entirely from my credit score is because i am a authorized user, that i disputed the account. All i did was mention the balance should show XXXX now. The rep, actually twice now today XXXX told me that their system is automatically set up to anytime a authorized user enters a dispute, they call this a dispute, it deletes it all, all of the history to that account. BUT, if it were XXXX that said hey this balance should be XXXX, they would not have deleted the account history from my score, so my credit score is lower now and it is not fair. Transunion told me to call the bank ( XXXX XXXX ) to have the credit history re inserted for myself that it would go back but it will be mid or late XXXX before XXXX XXXX runs a report again. The XXXX XXXX rep told me no when i asked for something from them to document my request and calling them today. They said they have no way to do that as all correspondence is pre typed, nothing for this matter. Just for me to check my credit score in late XXXX. this is not good. XXXX XXXX guy also told me that Transunion needs to be the one to put the info back on my credit report. I asked Transunion on chat again where it has this on their steps or website and everyone has replied saying it is NOT listed, it is not out there and that it is where I am a authorized user they automatically delete it, ( they didnt say they edit the balance or question XXXX or question me ) they just delete it all. This needs back on my credit report asap. I asked where the instructions are for a card user like spouse or other person on a card and they at transunion told me each time that there is no such thing thats just how it is. I asked how i would know this and they at Transunion just keeps saying thats how it is.

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 2022-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Contacted USAA on XXXX XXXX, 2022 to setup an auto loan which was originating from me, a USAA member, to purchase a vehicle from another USAA member for which USAA held the title. These details were made explicitly clear to the customer service representative named XXXX ( employee ID XXXX or XXXX ) who seemed unsure of the entire process. She assured me that she knew of the process inherently. Upon flying to XXXX on XXXX XXXX, 2022 ; I retrieved the vehicle ( as instructed by XXXX XXXX and sent in the authorization to record the lien. The very next day, I received a call from USAA who stated the loan was completed entirely incorrectly and that I would have to apply for a new loan. 

After two hours on the phone, I applied for new loan costing me another credit inquiry. The new loan was 0.25 % higher, no doubt because I had an inquiry the previous week. Lord knows how much this 0.25 % will cost me on the life of the loan. It is now XXXX XXXX, 2022 and the seller has yet to receive the difference in his payoff ( from USAA ). After calling back, I was told the second loan application was also filled out incorrectly and the seller needs to file a dispute with the bank for the difference. I am not sure how this bank can continue to operate with an employee constituency that is both poorly trained and unwilling to ask for help. I have also yet to receive the title which I was told I would receive in 2 weeks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 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: TX

Complaint narrative:
I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.

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 2022-07-26 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: TX

Complaint narrative:
I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Unfortunately, Chase has closed my 4 credit card accounts due to my recent disputes. This has been confirmed to me by the banks ' representative over the phone on a recorded line. Disputing charges is a statutory right under the Fair Credit Billing Act, which is protected by Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The original owner od this card is my husband since XXXX, im not really sure the the year he put me as an authorized user only. He never ever put me as a secondary on any of his card. Late last year XXXX he just found out that the credit card company decided to put me as secondary without his and my knowledge i consider this as fraud. He was so upset and arguing with them that he didnt autorized it, my wife ( me ) doesnt work no incoome at all. I quit my job since my husband became XXXX and unable to work. He was so sick, he passed XX/XX/XXXX. When i reported to the company that my husband passed then the company put me as Primary account holder for {$14000.00} with the minimum payment of {$2100.00}. I dont have that kind of money im a senior depending on my social security for {$1900.00} and some cents. i have to pay my mortgage and my utilities and food and gas everything is high in prices. Please help me this givving me XXXX and my XXXX  im XXXX XXXX XXXX this year. Please i really need your help. I referred to you by the office of the Attorney General. I have getting letter that they will sue me or submit to the credit bureau to collect the full amount. My husband XXXX percent XXXX, when he passed all his benefits stop and he did not leave any estate. XXXX percent of the charges are my husband. I really appreciate your help. I called and talked to them but the wont consider anything, last month i pait  {$50.00} thats all i can afford but they accepted the payment. I just got the new statement with the minimun payment for {$2100.00} Yours Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I got scammed by XXXX. It happened XXXX last year. I used Crypto.com to convert dollar to crypto to send to scammer. The scammer disappeared and my funds were lost. I contacted cyypto.com and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.

Company response to consumer: Closed with explanation