vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had a capitalone credit card for over a decade. CapitalOne has chosen to involve themselves in a racket scheme which includes deceptive practices to make more money in exorbitant and unreasonable fees. The website has limited options for making a payment unless the payment is made on the exact day of their choosing, which varies throughout a given timeframe in both date and amount. If the date, for example, they claim a payment is " due '' falls on XX/XX/XXXX for example, one must log in and view how much the minimum payment is and pay it that exact day. since the payment ranges from {$150.00} to over {$400.00}, it is not possible for someone on a budget to log in and pay within XXXX XXXX hour period an unknown amount with such variation. When I log in even one day early, there is not a payment listed. The minimum payment box is greyed out and can not be selected, and a disclaimer at the top reads " more payment options will be available on your scheduled due date ''. There is listed your last posted payment, which varies from what this minimum could be, and the the full balance payment as options. I have never been successful in changing my due date. Each time I place a call about this, I spend over an hour on hold, end up with someone who will transfer me to someone who also doesn't know and I am desperate as this scheme continues to siphon lots of money using deceptive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
the company requested me to pay a debt that I don't owe them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But XXXX did not do this and has been reporting negative 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 non-monetary relief
Consumer complaint received 2024-07-03 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: MO

Complaint narrative:
I am disputing all items named in this letter and pursuant to 15 U.S. Code 1681a ( m ) that express The term credit '' that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account. Therefore, under Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. But XXXX did not do this and has been reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: TX

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my personal credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NON- PERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts 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 2024-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On approximately XX/XX/year> I noticed a unauthorized ACH purchase on my JP MORGAN CHASE account ending in XXXX. I contacted JP MORGAN CHASE and opened a claim under claim number XXXX and was at that time issued a credit for the fraud to my account for approximately {$750.00} dollars. On XX/XX/XXXX I noticed that JP MORGAN CHASE reversed the credit issued for the fraud to my account and withdrew approximately {$750.00} from my account ending in XXXX leaving my account in negative and charging me for purchases I never authorized. I contacted JP MORGAN CHASE and was informed " MY CLAIM WAS CLOSED FOR NOT FILLING OUT AND RETURNING A ACH STATEMENT OF DISPUTE FORM THAT WAS MAILED TO ME ON XX/XX/year> '' I at that time informed them that " I NEVER RECEIVED ANYTHING IN MAIL FROM THEM '. I was informed that " I NEED TO GO INTO BANK TO GET COPY OF FORM AND SEND TO THEM '. As of current JP MORGAN CHASE HAS NOT REFUNDED ME FOR THE FRADULENT CHARGES TO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: FL

Complaint narrative:
I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Experian on XX/XX/year>, and was marked as verified on XX/XX/year>. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601.

Disputed Account Information : Account Name : XXXX XXXXXXXX Report number XXXX - **Section 611XXXX : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit 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 2024-07-03 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
This complaint to XACTUS for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: Chime Financial Inc
State: CA

Complaint narrative:
ive opened up a dispute within chime for a amount of XXXX & chime has denied my dispute XXXX times, making me change my dispute category each time & repeatedly denying my claim when i am stating i sent these funds & didnt receive the products in return, which chime being the bank i had my funds in they shall be able to help me on recovering my funds or even providing me with some type of credit they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a hard inquiry appearing on my consumer XXXX credit report. This hard inquiry is the result of fraudulent activity and was not made or initiated by me. 

The fraudulent hard inquiry is as follows : Inquiry at XXXX on XX/XX/year> I do not recognize this hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you was not initiated by me and is the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that this hard inquiry is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: UT

Complaint narrative:
Hi, CFPB! 

On XX/XX/2023, I submitted a payment of {$10000.00} to Edfinancial to pay off a federal loan. The funds were deducted from my account in less than XXXX hours. Despite waiting a few weeks for it to reflect on my account, there was no update on the payment, nor any " payment pending '', " payment processing '' status whatsoever. I intentionally made this payment early to prevent accruing 7 % interest. When I reached out via email, I was informed that it could take XXXX days for any updates to appear. Fine, I can wait. 

However, it has now been XXXX  MONTHS, and there has been complete silence. This situation is worrying because the funds were deducted promptly, but there has been absolutely no acknowledgment or progress on my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
{$5900.00} check from Citibank to pay off balances ... ... .after paying the minimum payments plus ... ... .the payoff to avoid intrest {$5900.00} I paid {$3700.00} and {$2200.00} after making payments for a year they made all kinds of money here ... ... ..fraud alert

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 2024-07-03 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am filing this complaint regarding a dispute with my CHASE VISA BUSINESS UNLIMITED CARD. 

On XX/XX/XXXX, I mistakenly paid the HOA fees for another resident due to an address error, resulting in two incorrect charges : {$1900.00} to XXXX XXXX XXXX. 
{$880.00} to XXXX XXXX XXXX. 
After realizing the mistake, I disputed the charges with CHASE. On XX/XX/XXXX, after the HOA agreed to transfer the fees to my account, I closed the dispute. However, CHASE had already returned the payments to my account. The HOA now states that they never received the funds after CHASE canceled the dispute on XX/XX/XXXX. 

CHASE has given me conflicting information, with the latest being that the fees were sent to the HOA again on XX/XX/XXXX and are supposedly with the HOA 's bank. However, CHASE refuses to refund the fees or provide any further solution, claiming we are beyond their policy window for disputes. The HOA requested a trace number or a transaction number to validate and locate the XX/XX/XXXX payment. 

I have spent four hours on customer service calls with CHASE, being transferred multiple times and even hung up on. Despite my efforts, CHASE refuses to provide any verification for the XX/XX/XXXX payment. 

Meanwhile, my new HOA fees are due on XX/XX/XXXX, and I had to pay again to avoid late fees. I am stuck in a stalemate, with the HOA stating they can not see the payment, and CHASE claiming that they sent the payment on XX/XX/XXXX but can not provide any more details or cancel or dispute it again. 

As a result, I am out {$2700.00} and am unable to resolve this issue. I am seeking assistance to recover my funds, as neither CHASE nor the HOA is willing to help me locate the missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX loan servicing transfered from XXXX XXXX  to Shellpoint, I called Shellpoint on XXXX I requested mortgage assistance or mordification, I spoke to twodiifferent men at Shellpoint I requested mortgage assistance I was told they would take my financials over the phone I did not need to fill out a hard copy app. on XXXX I called back to inquire if a decision on mortgage relief had been made I was told by XXXX that I had to fill out a new app, twenty plus days were wasted.What my needs are is a lower payment than XXXX, I XXXX XXXX XXXX XXXX XXXXXXXX unable to work. 
Loan # XXXX with Shellpoint initally the mortgage originated with XXXX XXXX, I feel the loan offered was preditory 15 yr payment of XXXX, I feel this is senior abuse I had been XXXX  XXXX  they had my taxes as well as bank statement no consideration was made for business expenses I feel they looked at my gross and figured I could afford the high payment, all items sold to customers has to be paid for before items leave the warehouse the goods shipped or delivered to customers are not free, to drive to primary customers location gas would be over {$400.00} at an average of {$4.00} per gallon car payment {$430.00}, auto insurance {$140.00} just to go work at least {$1000.00} in expenses. 
i am now faced with other household expenses changing filters every 3 months and inteference during construction radiation added to the home to cause me and other occupants harm. The exterior now faced with rodents re gopher and mole as well as squirrels have started to be a problem. 
The builders lender also offered a preditory loan of 8.99 % initally it was at 5.99 % 30 days prior to close of escrow they offered a higher rate which was unacceptable I have bussiness expenses to pay other than a mortgage, there was a claim that my score needed to be higher she had been working with me sine XXXX she should have requested other documentation that would have raised my score 30 days prior is deffinately not enough time, I feel this ia a stratergy used to sell a higher intrest loan to a buyer. I also feel her upper management is in on selling a loan at a higher intrest rate there for not giving the consumer the assistance needed to acquire a low intrest loan. I was working with a credit repair company and was asked by builder to stop all disputes so they could pull credit. KB mortgage worked with XXXX XXXX Iapplied with California mortgage relief XX/XX/year>, I provided them with a sale date for my current home primary residence of XXXX. I did not get approved I am a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: LA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX  THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY CREDIT.

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