vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
PLEASE REFER TO ORIGINAL CLAIM # XXXX : Update to the original claim. 

I spoke with a fraud representative in the month of XX/XX/XXXX who connected with both her immediate supervisor and the security department to attempt to resolve the issue of reactivating my card for use and having the fraud claim reevaluated. When the rep spoke with the various department supervisors she advised that security has informed her that the claim could not be approved because the charges made was beyond the 60 days XXXX would accept to fraudulent claims. In the same conversation, she did also mention that both her supervisor and security department agreed to have my credit card reactivated for use and I could pay down the balance. I agreed to this term. She then stated that she would make very detailed notes on my account and all I needed to do was speak with XXXX XXXX to have a new card opened. 
The fraud department issued a credit of $ XXXX for the fraudulent charges they could process. 
On XX/XX/XXXX I spoke to a representative in card services who then advised that it was nothing that her department could do after the card had been closed. She shared to not reapply for another card but have the credit committee evaluate the entire situation and get the card reopened. 
I have made numerous of attempts to get this matter resolved. This situation and fraudulent activities has destroyed my credit and relationship with Navy FCU. I have provided Navy FCU with all the evidence to show merit that it was impossible for me to use my credit card while I was XXXX 
Where we stand now is Navy Federal Credit Union ( to my belief ) is racially profiling me and my situation. All other loans with this creditor I have paid on time with no issues. I was told a new card would be mailed, my account would be reactivated and in use. But as of today, I have not received a new card, the $ XXXX credit that was given has been reversed and every time I ask to speak with someone in leadership ( executive team ) I am either ignored or advised " someone will call me back ''. It is very disappointing to know that my banking relationship with NFCU is being tarnished because I am a minority. I am disappointed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Received Newrez Mortgage assistance offer, trial approval documents XX/XX/XXXXXXXX  with the amount of the trial 3 payments. Trial payments were made on the due date but I received foreclosure letter from foreclosure lawyer saying my house would be foreclosed on XX/XX/XXXX. I'm a XXXX  citizen I don't want to lose my home.

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 2024-02-01 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:
Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly XXXX years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-01 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:
Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly seven years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hey there! So I had been sustaining a XXXX credit score my whole life ( like 17 years, since I was a young teenager ) until XXXX  hit AND I broke up with my amazing girlfriend in XXXX. So, it was really a bummer with everything going on ( crying on the floor in a foreign country ) that my credit score plummeted during those handful of months. For my whole life I was so good with autopay AND regularly paying even more than the minimums, and just staying on top of everything. I am really looking to bring it back up to XXXX asap by asking you very kindly to remove any and all of these negative credit report marks that popped up on my credit report during this extremely hard time for me. I will be much, much more careful with my cards now, making sure to pay via autopay and never letting the payments go behind. I genuinely hope you can help me out in this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover perjured themselves before the Bureau - perhaps knowing they could get away with this by simply bribing the right people in the government - by lying in writing that a credit report was pulled or was going to be pulled for a credit limit decision- when I was literally told on the phone while applying that not even a soft pull would be done. Discover may try to destroy bank records by destroying audio recording of that phone call, because they need to cover up why bank supervisors are spreading disinformation, but I made a decision to make a request based on disinformation given to me deliberately by the bank. Furthermore, because Im just a XXXX  XXXX, they refused to even contact me ( like they would have a white person ) regarding the original complaint here or even attempt to explain to the Bureau why they were intentionally spreading disinformation to customers on whether a credit report soft pull was being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CO

Complaint narrative:
Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with XXXX, XXXX, and Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. 

The disputed accounts and their respective identifying information are as follows : 1. XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX 2. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 3. XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX 4. XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. 

I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. 

- According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. 

- Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. 

Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. 


I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. 

I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. 

Thank you for your immediate attention to these serious concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC
State: AL

Complaint narrative:
i have filed NUMEROUS complaints about this single issue and someone doesn't understand. I have a written payoff good thru XXXX which was paid BEFORE that period of time. NOT the intitial principal quote that i was given verbally. 
I received a PAYOFF -- -paid it off before expiration of payoff and a small balance of {$80.00} was transferred to a new servicer. please stand by the consumer here -- ME! that is literally your job

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Several months ago I went into a XXXXXXXX XXXX XXXX XXXX XXXX to see what they had for hair products for XXXX patients hair, as I have had XXXX and XXXX. The clerk said something about saving on my purchase if I opened an account then. The woman clerk suggested it would save me about {$10.00}. and final cost would be {$26.00} and it would be billed. I did it and then the clerk put in my information into the system. She took my drivers license and asked me for my social. It turns out she took my address off of drivers license which is residence at a RV park with no direct mail delivery to my site as it does not have lot number, so all my mail goes to XXXX XXXX XXXX the town of XXXX, Florida. The clerk didn't ask for mailing address. 
So, starting several weeks ago I started getting phone calls from a Comenity Capital Bank and didn't think much of it and thought of it being another scam or telemarketer that call, text and email me daily trying to take advantage of me terminal health condition. Comenity kept calling and not leaving messages, so I kept ignoring them until more recently leaving a short message to call them. 
So, on XX/XX/XXXX I spoke with them and asked what this was regarding and they said an account with XXXXXXXX XXXX XXXX XXXX for and amount of {$130.00}. I said I was in there onetime and it was like under {$30.00}. They said it was {$26.00} for purchase and {$110.00} for I am not sure what it represents, but not at all a purchase. I told them, I had never received a card from XXXXXXXX XXXX  and/or a statement or anything in the mail at all representing XXXXXXXX XXXX XXXX All of this occurred because the clerk at XXXXXXXX XXXX  handled all information put in for processing application. 
Comenity on XXXX, XXXX on the phone made like all I had to do was pay the amount of the purchase {$26.00} and that would be it. So, I paid the {$26.00} with my debit. I had explained the whole situation with Comenity of addresses and never receiving card or bill andthat I have XXXX XXXXXXXX and having issues because of it and treatment for it. 
I thought it was over with paying the amount they requested of {$26.00} that I paid with Debit but on XXXX, XXXX I received a letter in email from Comenity requesting the other amount of {$110.00} which I don't know what it represents and thought they waived that from phone call on XX/XX/XXXX. 
I believe this is unfair and not getting anything in the mail or otherwise to represent the {$110.00} being billed now. If anyone thinks I would intentionally not pay a bill if received for {$26.00} and let it become {$130.00}, they are wrong. It wouldn't make sense and there are a number of factors why this all happened and none by my hand with intent. Please I don't want this to be a focus of my life remaining and stressing me out, when my fight should only be in my health. Please help me! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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: NJ

Complaint narrative:
Hello im a victim of the equifax data breach and all of my three bureaus credut information is tainted and tamper with. Equifax did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. XXXX and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the morning of XX/XX/XXXX, my car was broken into, and my wallet stolen. In my wallet was my debit card amongst other items. The debit card was taken to a bank nearby and the following fraudulent charges were made : Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Withdrawal {$100.00} Non-WF ATM Transaction Fee {$2.00} Non-WF ATM Withdrawal {$300.00} Non-WF ATM Transaction Fee {$2.00} This resulted in an overdraft charge of {$35.00} on XX/XX/XXXX when other planned charges were made to my account. 


I contacted Wells Fargo just a few hours after the charges were made. Wells Fargo responded two days later that the claim was denied and that they would send a letter to my residence with more information. I attempted to call Wells Fargo two times to get the matter resolved. On both phone conversations they were not able to fully go into detail why the claim was denied. The first representative I spoke with said that it was " impossible '' for the charges to be fraudulent because they used the PIN for my card. However, these charges and withdrawals were not made by myself or anyone I know. These were fraudulent charges. This was theft. I have provided an image of the letter Wells Fargo sent me that contained no extra " confidential '' information than the two representatives already gave me, but said that the letter included.

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I logged into my XXXX XXXX account and when I did the site had a pop-up that said my account was locked and I need to call this number - XXXX. The scammer told me they were with the XXXX XXXX Fraud Dept and there was weird activity connected to it and my Coinbase at an IP address in XXXX. They proceeded to use a software to get access to my computer and had me sell all my stocks and then wire the money to my Coinbase account. By this time since I was questioning the selling of my stocks they had connected me with the " supervisor '' and transferred me to his number which was XXXX. This number was the one that I called multiple times and eventually stopped working. In my Coinbase they took the money once it arrived ( 3 days latersince it was a weekend ) without me knowing it and turned it into XXXX so the supposed fraudsters from XXXX could not trace the money.Then the tried to tell me my XXXX XXXX accounts could get hacked as well because they were connected to the XXXX account. They tried to wire the money from my XXXX accounts to Coinbase but it didn't work and bounced back because it was my business account thankfully. They then tried to do it with the personal on Monday morning but after that the phone number wasn't working and I realized they were scammers. I then froze my Coinbase account and called XXXX XXXX and XXXX XXXXThe money never made it to Coinbase the second time from XXXX XXXX and they tried to call me again but I did not answer. 

After the scam I immediately called XXXX XXXX, XXXX, XXXX, and Coinbase to see where my money went and if I could get it back - all of them were called multiple times over the past 6 month. I also called XXXX ( XXXX XXXX XXXX ) to have assistance with this theft and fraud. I did work with someone in the fraud department at XXXX XXXX but in the end I never heard back from her about what happened and the conversations XXXX XXXX had with Coinbase. I had to call Coinbase several times to get them even to look at the case ( I called them the first day it happened as well ). They eventually stated via email they are not responsible for fraudulent activity in their accounts and would not give me my money back. 

I did also file the following reports : - IC3 Report with the FBI - Police Report with XXXX, WA Police Department - FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We closed my chase account about XXXX weeks ago by now. I am currently waiting still to receive my {$1000.00}. They have told me that my checks through the state of California ( which they should be able to validate on their own end since it's the STATE ) and from XXXX XXXXXXXX XXXX XXXX. I have got corporate involved and even the payroll manager on a three way call and Chase keeps saying that the number isn't " verified ''. However, on XX/XX/year>, I was on the phone with chase and they were going to verify the number we provided after speaking two hours to them. Once they tried to call ( after XXXX ), they were already closed so Chase told me to call back today ( XX/XX/year> ). Now when I called today, they told me that the same number that we agreed upon yesterday is no longer verifiable... So now I am just trying to figure this out and I even told them I know you guys record your calls, so take a listen at the conversation I had the day prior! I am just looking to see how I can resolve this and I was recommended to you guys! I have also included the payment confirmations/verifications from the state of California.

Company response to consumer: Closed with explanation