vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: KY

Complaint narrative:
Hello. Thank you very much for responding to my concerns regarding XXXX/LoanCare. I wired a payment of XXXX to XXXXLoanCare on XX/XX/XXXX to cover my XXXX and XXXX payments since my checks were not processed in a timely manner by XXXXLoancare as mentioned in my first complaint. I received confirmation via email today, XX/XX/XXXX, that the wire payment was received. The automated system informed me that my next payment is due on XX/XX/XXXX. 

However, I have the following requests : -Since I made the wire payment on XX/XX/XXXX, I request that XXXX/Loancare do not process the checks that XXXXLoancare have not XXXX. I placed a stop payment on two checks that they have yet to cash. One check is dated XX/XX/2023, and the second one is dated XX/XX/2023. See attachments for check info on checks that have yet to be cashed. 

-I contacted XXXX via email today and requested that the two checks mentioned above and attached not be processed. In XXXX 's email response, they told me they could not stop the processing of the check -Because I am informing them of the stop payment on the checks, I should not be charged a fee if the checks are processed.

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 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
Continued unlicensed debt collection and harassment. XXXX is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because XXXX commited fraud which was exposed by the collapse of XXXX and now XXXX is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that XXXX in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APPLE RECOVERY SERVICES CORP
State: CA

Complaint narrative:
Today, XX/XX/2023, I received a call followed by a message ( Attached ) from a person called XXXX XXXX, who said there was a matter in his office that required my immediate attention and left his phone number and extension. I called him back, and he told me that I was in a recorded line and claimed that I had a XXXX  XXXX  back between XXXX ; I owed money to the card and had to pay a balance of {$5600.00}. He threatened to report the issue to the Credit Bureau and take me to court if I didn't pay. I asked him to send me all the XXXX XXXX documents, records, and transactions that prove his claims and his company 's claims. 

The documents I asked him to send me are : 1. Documents to prove the XXXX XXXX is mine. ( By the way, I don't have a XXXX XXXX ) 2. Documents to prove transactions with the amount he claimed and also show my signature. 

He sent me an email ( Attached ) without the required documents and transactions I asked him for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened up an online account with Capital One. I had a fraudulent transaction on my account. I called to dispute it. I am away at college and do not have access to a branch nearby. There was only XXXX disputed transaction. I requested that my card stay active through the weekend as they would not send me out a new debit card until Monday and today is Friday and just block the company attempting to charge my card. Capital One went ahead and froze my account without telling me and without my authorization leaving me stranded. I had requested to speak with a XXXX. XXXX several times because the offshore representatives did not understand to address my concerns. After several calls I was finally transferred to a XXXX XXXX and spoke to XXXX # XXXX. She was incredibly rude, kept talking over us and refused to provide an onshore customer service number to call on Monday. I only found out my card had been frozen when I attempted to pay a bill and was not able to do so. Capital One is holding my money hostage and will not release it. They froze my card without my permission or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
At XXXX XXXX ET on Fri XX/XX/XXXX, XXXX, at the Chase ATM located at XXXX XXXX XXXX, XXXX, MA XXXX, the machine took my {$5.00} deposit, claimed it was unable to read the bill, said it was giving it back to me, but the cash drawer never opened, and then I got the error message " We're having some trouble. To be sure your deposit went through, please call XXXX. We'll print this number on your receipt. '' There was no receipt given. 

This is the second time this has happened. I have also encountered other people at the same ATM who have come out of the vestibule frustrated that they, too, have lost cash. 

I had written to the branch manager at my branch about this problem before and received no response. I asked the contact center to please repair this ATM, and they disconnected. 

This time, I waited over XXXX XXXX on hold to file an ATM claim with the contact center. I was transferred so many times after going through the XXXX system. 

Will Chase ATM ever get fixed? Will their branch and contact center staff ever respond?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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:
A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
on XX/XX/XXXX I received an email from Experian ( Experian IdentifyWorks XXXX saying they had found my full social security number on the dark web I was confused because on XX/XX/XXXX I had received a message from them saying subscription has been cancelled. So why were they sending me alerts so long after the cancellation? 
This is a very serious issue, so I wanted to get the scoop. I tried calling Experian for over an hour to talk to a real person but was unsuccessful because they require that you put your full social security # in there before you can talk to a person.. I had no way of knowing if the alert email was pshing or fraudulent before I gave them my ss #. I am very paranoid as I receive a number of pshing emails per day. Some fraudsters almost got into my retirement funds account. I had to have my computer professionally cleaned to resolve that issue. Experian should know better- the social security number is the key to a person 's credit. I suspect that this warning also is pshing also, but wanted to talk to Experian to verify whether or not they actually sent this alert to me. If it is real I have to freeze my credit report, etc. but I don't want to unless I can verify its authenticity. 

Can you help me please? 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 explanation
Consumer complaint received 2023-10-06 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: TD BANK US HOLDING COMPANY
State: TX

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX, TD AUTO FIN  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
XX/XX/XXXX I woke up and my money was gone I talked to support they told Ill get provisional credits now they telling Im not getting my money back and I didnt take it off my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During a flight on Spirit Airlines, I was offered a credit card application. I was told that I would receive XXXX points just for getting the credit card. Additional points could be earned by using the credit card. 

After receiving the credit card and using it, I noticed that I only had XXXX points in my account. 

I contacted Spirit Airlines / Bank of America and explained the situation. They noted my issue and sent me a letter via U.S. postage. In the letter, it explained that my account balance was correct. There was no explanation. 

I contacted Bank of America to cancel the credit card. They then told me that I needed to spend {$1000.00} in the first XXXX days to get the XXXX points. This was never explained or called out in the application. 

I feel taken advantage of by Spirit Airlines. I spent considerable time unfreezing my account, applying for the credit card, and using their airline in order to earn additional points.

I do NOT trust Spirit Airlines any longer. I'm going to switch back to Southwest Airlines for my regular fights along the 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 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXXXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-10-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited cash of {$5900.00} on XX/XX/23 and the money has not reflected on my account for over XXXX months. When I ask the bank customer service and bank branch they say they are not able locate the funds and gave me no reason to where my money went. I have tried them many times and have received to positive response. The money was deposited the financial institution that Bank of America at Address : XXXX XXXX XXXX XXXX, XXXX, TX 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 2023-10-06 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/1996 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the accounts listed be removed immediately : - XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Around the beginning of XXXX my father past away and I was in the middle of changing insurance companies. I requested a quote from XXXX and I let the representative it was too expensive. I rudely responded thank you for wasting my time. I ended up going with XXXX XXXX. The representative from XXXX fraudulently activated my quote in XXXX. I've tried to contact all state and the debt collection agency to get this resolved to no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HFG Holdings, Inc.
State: MI

Complaint narrative:
Fraudulent activity denying the use of my own credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
3 years ago purchased a PC from Best buy when I was ready to pay the sales person told me that I can save 15 % if I used their credit card. I agree got home and cut their credit card, two weeks latter they send me bill for the PC, I paid the full amount with my credit card that I have for more than 10 years. Last year when I was overseas  keep getting messages that I was late in my payments to Citibank I keep ignoring it because I never had any purchase with their card since I don't have a credit card with them. At my return went to Best Buy and complained of the charges from Best Buy that I never had, the attendant went to talk to someone an at his return he said do not worry they think it is a scam. 
Thank you XXXX XXXX XXXX. 
The collecting agency is XXXX XXXX XXXX XXXX, CA XXXX Ph ( XXXX ) XXXX REF 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