vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOPE BANCORP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I listed some items for sale on the XXXX website. In a couple of hours I received an email stating that one of my items had sold. If i would like to get paid and complete the transaction I needed to provide banking credentials so I can get paid. i did so thinking this was the process. I stupidly clicked on the link and entered my information. I know my banking information backwards and forward... I received an error message. That is when I realized what may have just happened. I went into my bank account ( BANK OF HOPE ) and saw that a bill payee was added ( XXXX XXXX account XXXX ) in the amount of XXXX I quickly called BANK OF HOPE and informed them that I did NOT authorize this payment of XXXX!!! The action was pending but I could not cancel the transaction. The bank told me I had to go through their fraud department. UGH!!! What fraud department?? I have yet to speak to someone or receive any communication!! The transaction was pending, why wasn't I capable of cancelling?? Why wasn't an alert sent out?? Big XXXXXXXX XXXX if you so much as move a comma you get an alert... Did you do this? Authentication through text message. NOTHING I received NOTHING from Bank of Hope. I have called many times to get an update. They redirect me to the branch tellers!! I don't want to speak to the tellers. they know as much as I do, which isn't much. I have emailed customer service many times. They have yet to email me back. They use fiserve.com as their bill pay. I have contacted them and nothing. I have a case Id XXXX and a case personXXXX XXXX XXXX but what is the point of having this information?? The fraud department can not be accessed by the customer!! Big US banks have dedicated Fraud departments where you can speak to someone. Bank of Hope has nothing of that sort. No one has reached out. I feel like this XXXX bank turned a blind eye to my case. If that is the case how many blind turn aways have they done?? They are a XXXX bank doing business in populated XXXX communities. Do they prey on the fact that mostly all of their customers don't speak English? This is so NOT FAIR! they should not be allowed to bank in the US. they don't have the same protocols as US banks. This should not be the level of customer service. I am truly disgusted with this bank. It has been almost a month now and I have yet to hear from anyone at the bank. I am hoping to get some resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 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: OH

Complaint narrative:
So I sent a letter off on XXXX XXXX  t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Calling the company Aidvantage about the account login being XXXX. They will not unlock the account. I spent XXXX hours on hold to unlock the account for my mother so we could setup payments that were about to restart. My mother is elderly and can not sit on the phone for XXXX hours nor can I go and sit at her house for XXXX hours because I have to work so i can pay my loans. The loans are under my name anyway and her name. This is unrealistic requirement for a working person that is trying to may payments on their loans like I have been doing for the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
I am writing to formally notify TransUnion regarding the presence of inaccurate and unverified information on the consumer report of XXXX XXXX XXXX, identified by Report Number : XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to her financial standing and personal reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: WI

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: OH

Complaint narrative:
So I sent a letter off on XXXX XXXX t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone hacked into my Capital One bank account over a period of 2 weeks between XX/XX/2023 and XX/XX/2023 ( multiple times ) and transferred money from savings to checking and then went ahead and took out {$1600.00} in multiple transactions starting XX/XX/XXXX from my checking account to XXXX and XXXX 
When I found out about this, I started a claim with Capital One to investigate and catch this person. They started an investigation but on XX/XX/XXXX, they closed the claim stating that the charges were valid. I doubt they investigated it properly because I have no information on these charges at all. So someone either bought stuff or transferred these funds without my knowledge to their account. Either way if someone looked into it and saw the IP address from where these logins were done, they would realize my account was hacked and since I don't recognize the person who got the money through XXXX, they should report the scamster. If something was purchased, then they should follow the trail and see if something was purchased then what address did it go to? Once they look into this, they will realize that this was a complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
Last month XX/XX/2023 I attempted to make the payment. I was told I needed proof of insurance which I provided. They refused the payment even though it was on time and car is current. 
XX/XX/2023 XXXX I am trying to make my monthly payment and they refused it. Simple. I just want to make my payments. 
This affects my credit. When I call they are rude and disrespectful towards me. Im cursed at etc.

After some research this appears to be a common theme. This is not ok. 
I am told my car is already submitted for repossession. 
The bank is A-L Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. [ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 


Sincerely, [ XXXX XXXX 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 2023-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I lost my job due to COVID-related issues. Spoke with my mortgage department about the subject. I was given a special forbearance until XX/XX/XXXX. I notified my mortgage company in XX/XX/XXXX that I had returned to work. I was told I was on a forbearance until XXXX. In XXXX, Carrington then reported all my back payments on my credit report. I submitted documents to Carrington for Loss Mitigation in XXXX for months, this was drug out by Carrington. This took until XXXX of XXXX to come up with a Loan Modification plan, The new loan payment was to be {$4100.00}, and my income is {$9200.00}. I understand that I'm behind on my loan payments, but having this type of interest rate is not a payment that should be done. I believe the mortgage has also add fees that should not have been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: CA

Complaint narrative:
I have been paying my rent monthly to my landlord via Appfolio, an online portal that helps tenants pay rent and other charges online to their landlords. Starting XX/XX/2023, when I went to pay my rent in advance, there was a {$2.00} transaction fee added to the total. I called my landlords, and they said that Appfolio sent out a notice claiming this fee will be added onto all online rent payments starting XXXX ( I never got this notice ) and the fee is going directly to Appfolio and my landlords can't change it. I can avoid this fee by delivering or mailing in a rent check. However, this fee is ridiculous - online payment of rent is common practice, and passing a " transaction fee '' cost to the rent is unreasonable! I am not a customer of Appfolio- I am a customer of my landlord, and having an online portal for paying rent has helped save me time and stress! Now I have to make a monthly trip to my landlord 's office to issue rent in order to avoid this fee. Additionally, Appfolio 's service didn't improve at all over the past 18 months I've been with this landlord. They are increasing the cost of their service without necessarily increasing the quality of their service. It's very clearly a junk fee and just an additional cost to consumers and renters for no reason. Additionally, this transaction fee is PER transaction e.g. if a renter needs to pay their rent in 2 payments, they would be charged {$2.00} for each transaction. It's completely dismissive of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
date range of transactions : XX/XX/2023 - XX/XX/2023 total amount : {$17000.00} actions taken : attempted to create a class action lawsuit from law firms. Having problems with Chase service called " My Chase Plan ''. So far, can't find a firm to resolve this concern. 

carding ending XXXX $ XXXX $ XXXX {$190.00} $ XXXX {$1400.00} = {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX $ XXXX {$160.00} $ XXXX $ XXXX {$110.00} $ XXXX {$960.00} = {$110.00} $ XXXX $ XXXX {$21.00} $ XXXX $ XXXX {$16.00} $ XXXX $ XXXX {$110.00} total cost for card ending XXXX : {$12000.00} total fee for card ending XXXX ( disguise as interest ) : {$1000.00} carding ending XXXX $ XXXX $ XXXX {$940.00} total cost for card ending XXXX : {$4400.00} total fee for card ending XXXX ( disguise as interest ) : {$940.00} total cost for all cards : {$17000.00} total fee for all cards ( disguise as interest ) : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I was one day late after thinking that I had scheduled a payment. I made the payment one day past the due date and was charged over $ XXXX in interest. I have filed a compliant with the company ( complaint number below ). 

Complaint number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I had a Care Credit Card with Synchrony Bank for over 5 years and have only used this card for medical purposes, mostly the XXXX. I never missed one payment or went over the {$1000.00} credit limit the card had. On my credit report it states all my payments are 100 percent. I have lived in my home for over 40 years now. My husband left me over 8 years ago with a lot of debt and instead of filing bankrupcy I went through XXXX XXXX XXXX to pay the money back and settle all accounts. I have paid {$400.00} on this debt for over 4 years now without one missed payment and will graduate in a few months. Nothing has changed since I got my Care Credit Card, just the money I owe on my home which goes up and down as the taxes get paid, and by closing this account with no notice not only have they put my health in jeopardy but they have destroyed my credit score with no good reason behind doing this. I was shocked when I got an email from Synchrony Bank saying they had closed my Care Credit account with no notice. I owed NOTHING on this account at the time they closed it I had paid it all off like I always do. I have worked tirelessly to try to get my credit score where I can finally fix up my home which I have lived in and paid for for over FORTY YEARS.This account should have never been closed and I think banks get away with doing a lot of things that hurt people more than they help people. Doing business with Synchrony Bank has hurt me, not helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America increased annual fee on XXXX  XXXX card to {$95.00}. Fee posted on XXXX statement with a due date of XX/XX/XXXX. Called in to cancel card of XX/XX/XXXX and have annual fee credited, account had a {$0.00} balance not including the new fee. Card member agreement states fee will be credited if closed within 30 days of statement date where annual fee appears. Agent confirmed fee would be credited and closed card. Received XXXX statement, only {$25.00} of the {$95.00} annual fee was credited, the remaining {$75.00} was not, in addition I was charged a late fee and interest. Called in XX/XX/XXXX after receiving statement, agent stated error would be corrected and account would be credited to {$0.00} within XXXX hours. XX/XX/XXXX still showing {$71.00} due called in again, again promised would be corrected to {$0.00} balance within XXXX hours. XX/XX/XXXX, no credit, my other bank of America accounts now showing a warning of late payment due to this account, statement is due today. Not wanting my other accounts effected I pay the XXXX. I received new statement XX/XX/XXXX with no statement credit as promised multiple times and addition interest charge of {$1.00}. I have wasted enough time on this, I am due a refund of {$72.00} for the annual fee that was required to be credited per the cardmember agreement, I request this to be sent to me via check and the account show a XXXX balance and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of American changed my checking account from basic to " XXXX XXXX '' and when I do not meet their fund requirement they started to charge me " maintenance fee ''. I do not remember I authorized the account type change and asked for proof. They could not provide the proof but do not refund me the maintenance fee.

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