vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
My homeowner 's insurance is due XX/XX/year>. On XX/XX/year> I was advised by my homeowner 's insurance company that no payment has been made. I contacted mortgage company and was advised that they mailed the payment on XX/XX/year> and it can take up to 10 business days for insurance company to receive. Now I am late. And when I call mortgage company I am continually disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello Sir/Madam, I deposited two checks on XX/XX/year> ( {$2400.00} check no:XXXX ) and XX/XX/year> ( {$1000.00} check no:XXXX ) in Chase XXXX account XXXX. Both of these funds total of {$3400.00} were debited on XX/XX/XXXX and XXXX. I will attach the statement. 

So, I call the bank after many call I was able to speak to someone and the agent told me the check previously deposited ( XXXX and XXXX ) was credited again for the second time ( XXXX ). Which is why the amount was withdrawn from my account. But, then I told them I never deposited twice, it was an fraudulent activity. So. I said please can I get my money back. To do this they replied I should speak to the issuer of the check which I did but according to the issuer no funds were debited from the account which actually should have been the case. So, no damage was done from the check issuer side. 
But, the lapse are from my account. Somehow Chase debited the amount and transferred it to someone unknown. There is alot of red flags in this transaction as to how the funds were being withdrawn the second time, also without the knowledge of the account holder. No security was provided by Chase Bank. 

I hope the bureau will get to the bottom of this because its been a very long time for me running between banks trying to get my money bank. 

Thank you. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I spoke to the debt collector at XXXX XXXX XXXX and they told me I could send in a letter disputing the debt. I mailed the formal letter per her request on XX/XX/year>. They have been continually calling me since and they have not sent verification responding to the dispute which is illegal. I called XXXX XXXX XXXX  on XX/XX/year> and spoke to XXXX different people. None of them would answer me about whether they received my dispute letter. They just kept robotically repeating " this is an attempt to collect a debt... will you be paying the debt today? ... '' Furthermore, the gym that is trying to collect the debt never contacted me about collecting a new form of payment after my debit card was stolen/canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I feel as though Experian is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think Experian has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys Like XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying Experian off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
We purchased sixty ( XXXX ) XXXX controllers from XXXX on XX/XX/year>. Order ID : XXXX The total amount charged to our Capital One Business CC was {$790.00} XXXX chose to refund us only {$630.00}, shorting XXXX {$150.00}. XXXX also chose to refund us in 8 small amounts, rather than one single amount. Making this process all the more difficult. 

The order was stopped at XXXX and returned directly to XXXX ' warehouse. We never even received our order and tracking confirms that. Additionally, XXXX emailed us stating that our order encountered " unexpected delays, '' while in transit and stated that we could go ahead and apply for a full refund. They also stated that if any of the items were to arrive, that we didn't need to return them. Out of the five packages sent by XXXX, four of them were returned to XXXX by XXXX. Only one package actually made it through. 

We have attached screenshots of the email sent to us by XXXX showing the corresponding Order ID and their statement in full. Additionally, we have attached screenshots of all 8 ( eight ) small Refunds that they granted proving that they shorted us {$150.00}. 

After speaking with XXXX Customer Service on two separate occasions they told me I'd have to wait another 3-5 business days for them to contact me. Eventually we were contacted by one of XXXX ' " Specialists. '' The specialist told me that I needed to open a return to get my money back... we already did that ... that is exactly why they had you ( the specialist ) contact us. And that's exactly what I told him. I got no response from the " specialist, '' from that point forward. I tried contacting him again through his email a couple days later and still got no response. At that point, I told them I'd be contacting my CC company and placing a stop payment. Still no reply from the specialist. So we did exactly what we said we would and filed a chargeback. 

XXXX disputed it and Capital One immediately gave them our money back. Capital One has the tracking numbers for all five packages that XXXX sent, so they know for a fact that I didn't receive the order. When I asked Capital One why they chose to give them my money back, their response was " The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition '' That was also included in the response letter that Capital One sent to me. Screenshots of that letter have been attached for reference. 

XXXX explicitly guarantees " Delivery in 30 Days or Your Money Back. '' XXXX stole {$150.00} from my me/my company. Capital One knows that they did and they allowed it, even after indisputable proof was provided to Capital One at their request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 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:
This is my refilling and requesting for the reinvestigation to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number 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 2024-06-07 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Multiple credit inquiries on my credit report that was not authorized by the consumer. Listed credit card not authorized for approval, identity theft occurred.

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 2024-06-07 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Addresses listed on my XXXX and Transunion Report that are not correct : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Addresses listed on my Experian and XXXX Report that are not correct : XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA 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 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I created an account in XX/XX/XXXX and signed up for a checking account bonus. I completed the required tasks for the bonus and never received it. TD Bank says they have up to 180 days to pay it out. I passed that 180 days on My XXXX XXXX and still didn't receive my bonus. I contacted them about this and they said they would look into it. Since then, I have no heard back from them and have not been paid out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I send {$5000.00} via XXXX  to an existing email address in the bank of america app. for a rental application. It turned out that the person on the account ( XXXX XXXX, XXXX ) is fake and not existing. 

Seems Bank of America didn't check the ID or SSN that was provided.

What can be done? Bank of America is still investigating, but I already opened online scam cases at XXXX. there are multiple people involved. Another person is XXXX XXXX 's, living in 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 monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is my refilling and requesting for the reinvestigation to BANK OF AMERICA was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number 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 2024-06-07 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent and inaccurate collection account from my credit report. This account appears to have been reported inaccurately by both XXXX and TransUnion, as detailed below : XXXX reported the account as opened on XX/XX/XXXX. 
TransUnion reported the same account as opened on XX/XX/XXXX. 
These discrepancies clearly indicate inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681c-2, credit reporting agencies are required to remove any information from a consumer 's credit file that can not be verified or is inaccurate. 

Furthermore, this collection account is fraudulent. I have never opened or authorized such an account. Enclosed with this letter, you will find proof of a data breach that compromised my personal information, further supporting the claim that this account is fraudulent. 

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau intervene to ensure the removal of this inaccurate and fraudulent collection account from my credit report. This will help to rectify the undue harm this erroneous information has caused to my creditworthiness. 

Thank you for your attention to this urgent matter. Please inform me of the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Proof of Data Breach, Copies of Credit Reports ]

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 2024-06-07 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent and inaccurate collection account from my credit report. This account appears to have been reported inaccurately by both XXXX and XXXX, as detailed below : XXXX reported the account as opened on XX/XX/XXXX. 
XXXX reported the same account as opened on XX/XX/XXXX. 
These discrepancies clearly indicate inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681c-2, credit reporting agencies are required to remove any information from a consumer 's credit file that can not be verified or is inaccurate. 

Furthermore, this collection account is fraudulent. I have never opened or authorized such an account. Enclosed with this letter, you will find proof of a data breach that compromised my personal information, further supporting the claim that this account is fraudulent. 

Given these circumstances, I respectfully request that the Consumer Financial Protection Bureau intervene to ensure the removal of this inaccurate and fraudulent collection account from my credit report. This will help to rectify the undue harm this erroneous information has caused to my creditworthiness. 

Thank you for your attention to this urgent matter. Please inform me of the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Proof of Data Breach, Copies of Credit Reports ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief