vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally complaining against CAPITAL ONE BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE BANKstand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a call today from Bank of America, # XXXX asking me if I requested a XXXX XXXX from XXXX, Florida to open a credit card in my name, with her as the secondary user. Said card was pending approval after I was contacted, in the amount of {$10000.00}. I told them this was not authorized by me at any time and that I did not know of this XXXX XXXX. They told me that they stopped the issuing of said card, and gave me the confirmation code and a case number. They then put me on hold for another party, a XXXX XXXX, whose number is XXXX ext. XXXX. She knew all of my credit card numbers, holders, my social, address, phone number and she tried to reassure me that everything was alright and taken care of. I am worried as there were a lot of questions that I answered yes to, now worried it was all a plot to retrieve and confirm my personal and financial information.

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 2023-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is disregarding the law yet again just as when they settled with you guys recently. I have sent them my identity theft report many times and they fail to comply and block this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I checked my credit ( XXXX report ), and noticed that there was a collection account from AWA for over {$300.00}. I sent a letter to AWA collections requesting information and verification of the debt. My letter was returned to sender unopened from the correct address on file with the Secretary of State. AWA collections refused my letter, and because of this I have no choice but to File a complaint. That is a violation of the FCRA and the FDCPA. I will be forced to take legal action pursuant to 15 USC1692 and 15 USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
The list of things wrong with MOHELA is beyond extensive. Theyve given me incorrect information about my loan repayments on multiple occasions that have resulted me losing thousands of dollars. Collectively, Ive easily spent XXXX hours on hold with them since being transferred to their service. Once I spent XXXX hours on hold before someone answers and then immediately hung up on me. This company is not fit to operate in the XXXX, and everyone involved in running this operation deserves jail time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
In XX/XX/2023, HSBC US closed my credit card account and debit card for no reason. There were XXXX unused points in the account, valued at about {$400.00}. 
As a result of the closure of my credit card account, I was unable to view my credit card statements and was unable to pay them in a timely manner, resulting in a late payment fee of about {$200.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called in and spoke with a rep in XX/XX/2023 and advised that the inquiries that I am referencing were not mine and and needed to be removed afterwards to mail me an updated Credit report which I did not receive..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC
State: UT

Complaint narrative:
I have a home loan that I originated with XXXX, which was sold to XXXX, and re-sold to Flagstar all in the space of 3 years.

Flagstar did an escrow " analysis '' early this year and added an additional XXXX dollars to an already overcharged XXXX a month escrow account. Thus I was forced to pay XXXX dollars a month which totals XXXX dollars annually. Taxes of XXXX and a homeowner policy of XXXX per year total XXXX. 

This meant Flagstar was taking about XXXX dollars more from me per year than they needed to. I am retired, live on a fixed income, and that additional XXXX dollars or about XXXX bucks a month would help me pay other bills. 

After a 3 month process which I began on XX/XX/XXXX, Flagstar finally waived my escrow account. They forced me to sign a waiver that allows them to take XXXX dollars from my escrow account before they would refund the balance to me which was XXXX. After they took their cut of my escrow- the net amount was XXXX. 

Here are my complaints. 

XXXX. I originated my loan with XXXX. I never agreed to these terms with Renasant. Or XXXX. Or Flagstar. I have no contract with Flagstar other than- apparently my application and loan can be resold and new terms added at will- without my approval. 

XXXX. It was Flagstar 's fault for overcharging my escrow account which necessitated my asking escrow to be waived. It seems rather dubious and shady that they can complete an escrow analysis, overcharge customers, and then keep the money all year until the next " escrow analysis. '' Had they left the escrow at XXXX a month, it would have worked out fine. 

XXXX. Flagstar forced me to sign a waiver giving them XXXX XXXX of the outstanding mortgage balance or XXXX. In order for me to have my escrow waived and refunded- they forced me to sign that waiver first. This was not voluntary. In order for me to regain control of my money and finances- and obtain that refund- I was forced to sign. 

I did not cause any of this. Flagstar took XXXX from me. I would like my money refunded.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed out of {$1600.00} on XX/XX/XXXX. I filed a claim with a Wells Fargo representative as soon as I realized the two withdrawals for {$800.00}. and {$800.00}. I was on the phone with the scammer and with Wells Fargo rep at the same time. I informed Wells Fargo that I did not authorize those withdrawals. The Wells Fargo representative told me to hang up the other phone with the scammer. 

Funds were placed back into my account. On XX/XX/XXXX the funds were reversed causing me to be overdrawn by over {$1500.00}. 

On XX/XX/XXXX I scheduled an appointment with XXXX XXXX ( teller/manager ) to explain the situation. XXXX called the claims department for Wells Fargo. She explained the situation, expressed frustration, and ended the call. Branch Manager XXXX XXXX was present. XXXX stated that she was going to file a complaint against the Wells Fargo Claims Department and that someone would contact me in XXXX hours. Nobody ever contacted me. 

On XX/XX/2023 I sat with XXXX XXXX Branch Manager and she knew the situation. She made some calls and then told me that there was nothing she could do and that the claims department would not reimburse me. I requested XXXX to listen to the phone conversation where I clearly stated that I did not authorize those withdrawals and where the Wells Fargo teller tells me to hang up the phone with the scammers. XXXX stated she could not access that phone call at that time. I would have to do a formal request. 

On XX/XX/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 explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-26 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: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
these items in my credit file are from unauthorized use of my social security number card and number. I did not authorize these accounts to be taken out in my name nor do they they relate to anything i do or applied for. I'm completely unaware of any of this. You assumed a vital role and your job is to report every account and inquiry with maximum accuracy. These accounts are from identity theft and are not accurate. They do not belong on my credit file/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 explanation
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/2023, I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank closed my deposit credit card on XX/XX/2023 and there is XXXX balance due everything is cleared. Just 2 months ago they suddenly fraudulently sent information to the XXXX credit bureau claiming I owed them {$150.00} which I do NOT even have any Capital One card in hand. I tried to reach out to them several times and customer service told me they did not what was going on about this fraudulent scam and they did NOT care. Please help me to this fraudulent scam report which affects my whole XXXX XXXX and life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally complaining against CAPITAL ONE AUTO FINANCE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE AUTO FINANCE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE AUTO FINANCE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
After generating bills 16 days after the due date from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX Nationstar claimed I was late for 16 months. The company originally charged me for XXXX deferred late fees on the date of onboarding the loan, then charged me for XXXX deferred late fees which they kept unearned lender and late fees, and after keeping unearned fees for foreclosure services that were never performed by any party at all, still being held in suspense simply because the process was put on hold as per XXXX XXXX to the XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX I sold my home without any foreclosure process occurring except a petition filing on XX/XX/XXXX. Without my knowledge, Nationstar allocated {$11000.00} toward XXXX late fee payments attached in the transaction history in lines XXXX. Lines XXXX claim I paid {$10000.00} for XXXX late fees. This was impossible, and did not occur over the 85 months the loan was active and serviced by XXXX, XXXX XXXX XXXX, and Nationstar. Nationstar refuses to correct clear errors in inaccurate payment allocation that negatively affect my payment history during the full life of the loan and that was concealed as inaccurate for the last 8 years with manipulated detail reports. During the 16 months this company serviced loan XXXX in XXXX Nationstar tried to scare me with a foreclosure petition while I sold my home voluntarily tanking my home 's fair cash value by {$18000.00}. In XXXX, this company paid me {$5000.00} to resolve all of my claims, without disclosure they owed me a refund of {$6000.00}. They tried to have me sign a compromise and settlement agreement I had outright rejected and refused to sign. The counsel from XXXX XXXX XXXX XXXX XXXX revised the agreement to entirely remove compromise and, compromise of, in compromise and compromise, to which he emailed had my husband and I sign, and then he forged our revised agreement 's signature onto the rejected agreement, and is now trying to profit off of this forgery by seeking attorney 's fees in court for attempting to enforce an XXXX forged agreement against me. The same attorney will be charged with claiming to respond to this complaint, and he will only threateningly try to force me to withdraw my court-requested relief in obtaining a corrected transaction history that is so outrageously inaccurate it stuns the senses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with Upstart, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. Upstart is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe that all 3 credit bureaus, XXXX, TransUnion, and XXXX for many years have wrongfully given my personal information to many third party companies, as well as a company called XXXX. which in part has kept me from getting credit while applying for certain jobs, as well as credit cards and loans. And I've received many emails from companies that I've never ever applied to for anything, so where is could they get this information from!!! If I've applied for loans, credit cards as well as jobs, all responses have been denied do to poor credit. these dates go back to XXXX plus years or more. XXXX - XXXX I've also reported before to the Bureaus about Identity theft to no avail.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-10-26 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: 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. 

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 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 XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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