vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of Identity theft because XXXX XXXX data breach. It happened at XX/XX/2022, My cell phone number was swapped out by criminals to their device, they used my info. and phone number to withdraw money from my bank accounts and applied credit cards. 
I noticed those abnormal activities on XX/XX/2022 and called all financial institutes to block all the frauds. And also the criminals called USPS to forward my mails to their address which I found out weeks later. I had the police reports/ FITC reports/credit bureaus reports ready around XX/XX/2022. I called Capital one customer services at least XXXX time between XXXX about this fraud and all their agents assured me the fraud card has been cancelled and I should be no worries. After a month, my credit bureaus notify me that I am in debt with Capital one credit card. I started the long nightmares with Capital one disputes. They insist I should be responsible for the credit card fraud and reported to credit bureaus, my credit score went from XXXX to XXXX in XXXX months. And After over 100 hours calling and dealing with their customer service, they said I should be responsible for this fraud since the credit card opened under my home address and cell phone number. COME ON! It is an identity stolen, they forwarded my mail address and swapped my cell phone number out, how is that the evidence I should pay for? I need Capital one start investigation with me together, I have all the proves that the mailing address was forwarded and cell number swapped out. And withdraw the false credit reports right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST FOUNDATION INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated an XXXX transfer of {$100000.00} from my online savings account with First Foundation Bank. Their web site stated that the funds would arrive by XXXX  XX/XX/XXXX, or I would receive notification that it would be later. No problem was indicated, yet the funds did not arrive until Monday, XX/XX/XXXX. As a result, I lost XXXX days of interest ( approximately {$30.00} ) that I asked the bank to make up for ( I knew and was prepared to not get interest XXXX XXXX during the XXXX transfer ). After XXXX weeks of attempting to get a response from bank management, they refused -- saying that XX/XX/XXXX was a banking holiday. When I pointed out that they had not sent me any notification and that their XXXX transfer times were always longer than other banks, they still would not budge. I filed a complaint with the FDIC, which regulates this bank. The FDIC asked the bank to respond, and the FDIC took more than 30 days to tell me of the bank 's response on XX/XX/XXXX. The bank came back with a screenshot showing that they had informed me that the transfer would be done on XX/XX/XXXX. That screenshot the bank sent was not available on their web site until XX/XX/XXXX -- long after I could have taken any action to change the transfer. Even if I had done a wire transfer and paid their exorbitant wire transfer fee, I would have been out less interest than almost a week 's worth. 

When I pointed out the ( possibly deliberately misleading ) error in the bank 's response to the FDIC, they refused to do anything -- even follow up with the bank again. They simply stated that XXXX transfers were not in the domain, and I had to contact XXXX. I did so, and they told me they only take complaints from financial institutions and XXXX XXXXperators. They said I should contact you. 

I strongly feel the FDIC is not doing its job in regulating this bank -- but I am hoping you can help me navigate these bureaucratic waters and compel the bank to pay me the extra interest they caused me to lose by not following their own published XXXX  processing times or giving me promised notification in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written XXXX, XXXX, and Experian for over a year to stop reporting inaccurate information. However, they continue to violate my rights. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 explanation
Consumer complaint received 2023-02-17 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
My family and I were heavily impacted by XXXX leaving me no other choice but to ask XXXX for help in 2022. 
Because our impacted was so bad on many levels we decided to consolidate to save our credit. XX/XX/2022 I started the clock for payoff, I requested the payoff from XXXX. The beginning XXXX I confirmed payoff again with XXXX and made them aware again of my XXXX problems. The last of XXXX, I sent a check for payoff to XXXX. 

But XXXX issued a late pay for XXXX month for the last payment. XXXX shows 30 days late for the month of XXXX. They would not provide covid protection for XXXX month rather they issued a late pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Wednesday XXXX XXXX XXXX I was attempting to cash a claim check from my insurance company that was written to me and XXXX XXXX XXXX. The check was a Bank of America check so I wanted to cash it there. I initially had the check endorsed and signed over to me by the manager at a XXXX XXXX. The manager at the XXXX XXXX wrote the authorization and signed the back of the check. The first time I attempted to cash it a Bank of America the manager ( XXXX XXXX ) had me wait in the lobby while she was in her office about 30 minutes while she verified the check and what I was told called the backend for instructions. I then went into her office and asked her why is was taking so long she said I had to wait and told me I could not sit on the chair in her offices so I went back into the lobby and waited. After some time she came out and told me that she couldnt cash it because the endorsement from chase should have been done with a stamp and not in writing. So I took the check to a different chase bank and they endorsed and signed it over to me and this time it was done with the stamp. I went back to Bank of America and this time she refused to cash the check because she said it was written out to me and a business even tho it was XXXX XXXX XXXX XXXX XXXX  had signed it over to me. Im not sure if she was discriminating or not but it just seemed like she just didnt want to cash this check at all even though I did everything I was supposed to do. I also let her know I was recording the conversation because I felt she was wrong

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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent funds via XXXX to a person for concert tickets and never received the tickets. 
Funds were {$50.00} to XXXX account via XXXX. 
Obviously it was a fake account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This was a case of a hacked XXXX account linked to an XXXX XXXX credit card. Neither XXXX nor Chase helped me with this problem. I talked to a branch XXXX of a local Chase Bank hoping he could tell me who in Chase I could contact. He told me straight out that I was not going to hear what I wanted to as Neither XXXX or Chase wanted to be out the money. That about sums it up!! The false information that Chase Bank gave me as to why I owed the money was abhorrent, including a statement that I had actually made a payment on the account, which I had NOT. They took payment information from a separate credit card account I had with them and used that as my supposed payment. It took me 17 months to finally get the matter settled, no thanks to them. The business practices of both XXXX and Chase leave a lot to be desired. The credit bureaus were involved in this mess of course because of my dispute. Not sure which Federal Agency would be interested in this but someone should beThank-you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
I am attempting to drop my property mortgage insurance from my loan that is currently with Village Capital. I am currently under the 80 % loan to value and spoke with my lender and they advised me to contact the FHA department. After speaking with the FHA department I was directed to the Consumer financial bureau to file with them and start the process. My main concern is only to get the PMI dropped from my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have disputed the account XXXX times and have sent in all my information to verify it is myself making the request. I have requested for a full file disclosure and have no received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Report act, Transunion has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
I have sent several dispute letter to Transunion to verify my address, name, DOB SSN Employer and no action has been taken. 
This is the tracking number of the USPSXXXX and 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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Abri una cuenta el XXXX XXXX  XXXX XXXX XXXX realice un deposito al abrir la cuenta, nunca me dieron el acceso a la banca en linea y me dijeron que la cuenta iba a ser cerrada todo esto luego de abrir la cuenta y realizar el deposito a los 4 dias recibi la tarjeta de debito llame y consulte el balance y la cantidad depositada estuvo disponible por 4 dias, cuando trate de realizar una compra en un supermarket la tarjeta se suspendio y recibi una carta dandome la bienvenida el XXXX XXXX XXXX llame y me dijeron que las cuentas estaban cerradas y que me enviaron cheques con el dinero en la cuenta al momento del cierre y no me dieron mas informacion solo tengo los documentos que adjunto como prueba y para que vean las incoherencias entre los diferentes departamentos de Chase y su mal funcionalidad. 

I opened an account on XXXX XXXX, XXXX, I made a deposit when opening the account, they never gave me access to online banking and they told me that the account was going to be closed, all this after opening the account and making the deposit to the 4 days later I received the debit card, call and check the balance and the amount deposited was available for 4 days, when I tried to make a purchase in a supermarket the card was suspended and I received a letter welcoming me on XX/XX/XXXX, call and they told me that the accounts were closed and that they sent me checks with the money in the account at the time of closing and they did not give me more information. I only have the documents that I have attached as proof and so that you can see the inconsistencies between the different Chase departments and their malfunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent in a dispute and received a letter that is pretty much mocking me. I will attach the letter I received and the original dispute I sent to them in XX/XX/2023. The company is Transunion.

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 2023-02-17 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: Nelnet, Inc.
State: PA

Complaint narrative:
Hello, this is in reference to a private XXXX loan that I cosigned for my son. I went to XXXX bank ( the company that services the loan is called firstmark services ). 

at the time I asked for the payments to be automatically taken from my citizens checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have XXXX separate loans ) this was in XXXX of 2022 I received a phone call from XXXX bank collections telling me that XXXX of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to XXXX loan an no payment to XXXX loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on firstmarks behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and XXXX that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by firstmark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I received 6 calls on Monday XX/XX/2023 and on Tuesday XX/XX/2023 I received 7 calls from Tower loans in XXXX XXXX XXXX I told XXXX the branch manager i would be in there on XX/XX/2023 to make a payment. She then threaten me with legal action if I didn't have a payment in by XX/XX/2023. She also left messages with this same threat. She was also calling my place of employment which i travel and never at that location.

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 2023-02-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Don't belong to me, I don't have a contract with this company, it's inaccurate. account XXXX for {$570.00}. I requested original contract and debt validation letter.

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 2023-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an account without my written instructions XXXX5 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to TransUnion consumer services provided illegally activities refund my money due illegally activities I was told my membership was cancelled an I was supposed recovery my refund never received it an people working for TransUnion work from home fraudulent activity request were my refund at my unpaid service that been cancelled

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 2023-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I received a HELOC - Home Equity Line of Credit from TD Bank for {$41000.00}. I applied for XXXX relief to stop payments without fees and/or penalty. After the XXXX period expired I received a loan modification that reflected a balance of approximately {$47000.00} and a new interest rate of 9.5 %. I was completed taken aback by this excess fees, interest rate and penalties. I have requested that TD Bank honor the original interest rate and remove all additional, interest, fees, and penalties. It took TD bank to finally approve the loan modification after over a year of going back and forth about processes and supporting documents, in which I sent several times before TD Bank acknowledged receiving them.

Company response to consumer: Closed with monetary relief