vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX Chase Bank texted me about a fraudulent charge on my account in the amount of XXXX. I immediately texted back no and the said that they will deny the charge via text. I then continued to excuse myself from work to go handle the situation over a phone call. This was right before XXXX mind you and the charged wiped out my entire account to the point I was negative. Forward to the conversation with chase, I filed the claim and they. reimbursed me the XXXX... now XX/XX/XXXX the decided that they will deny my claim again stating that my pin number was used to make the charge?? Made my account negative again and took back the XXXX I was already credited from them. This is madness. I stated my card was in my possession in the fist call and do not know how they were able to get my pin but this is what happened. I have been with this co over 18 years. now I am being charged for someone to steal my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
It is to my understanding that a credit inquiry is to remain on your CR for a maximum of 2 years, XXXX car dealerships have inquired on my credit in the year XXXX to my awareness, however they have a supposed removal date of XXXX & XX/XX/XXXX - how is this possible? 

Problem # XXXX : Mariners Finance " continues to get their inquiry " PASTED on my report, which was supposed to be removed in XX/XX/XXXX on a supposed inquiry in XXXX Why are these losers constantly poking around my report for?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I received a letter from AllianceOne collections saying I owe for a traffic ticket from 2011 saying they purchased the debt from XXXX XXXX traffic violation bureau when I go to the XXXX XXXX website and type in my licence # and date of birth it says I don't owe anything. AllianceOne is threatening to report me to credit bureaus and ruin my credit please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
In response to the communication I received concerning my debt validation inquiry directed at Merchants and Medical Credit, I expressed dissatisfaction with their provided response. I articulated that the sole semblance of evidence presented, a signature inconsistent with that on my government-issued identification, fails to adequately confirm my identity. Subsequently, I reiterated my request for comprehensive information, specifying the following : 1. The precision of the data furnished by Merchants & Medical Credit.

2. Verification of the debt, inclusive of substantiation of ownership and legal authorization for collection.

3. A comprehensive payment history, delineating all transactions and associated charges.

4. Elaborate particulars regarding the original creditor, encompassing the account number and the initial owed amount.

5. Any supplementary documentation or corroboration buttressing their position.

Their rejoinder asserted a refusal to furnish additional information. In adherence to the Fair Credit Reporting Act ( FCRA ), I contend that their inability to substantiate the veracity of the debt necessitates its expunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Checking the debt of my credit card that I have not consumed for more than a month, I see an XXXX  charge of {$330.00} that I did not recognize. 

They immediately transferred me to an apartment where they blocked the card and informed me that they would send another one to my house ( usual procedure ). 

When I asked about the money back, they told me that they would do a 90-day investigation, without returning the money to my account. 

I complained to them that he had been scammed and it was not fair to have to wait 90 days, without having the certainty that my money would be returned and that I would report that debt to you Boureaus of credit for 3 months. 

They only told me that it was the procedures and that I had to wait. 

It is not the first time that I have suffered security breaches with Oportun, where the last time another address and phone number was added to me and I can not pay on time for not being able to enter the application, to make my payments for the violation of my access data. 

That led to a late payment report in my report and multiple calls until solving the problem of changing address and phone number. 

Now they steal {$330.00} from me and I have to wait 90 days to recover money that I don't authorize. 

It is really strange that my Credit Card is identified with the last four digits of XXXX and the operation reflects the last 4 digits of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I requested this account be updated to reflect the fact that it was closed. XXXX had already sent them information verifying the account was closed. The account still shows it is an open account and the system will not allow me to dispute it.

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 2024-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collection to my credit report in XX/XX/2023. The original creditor never notified me, and National Credit Systems never contacted me in any way despite my mother being the guarantor on the lease with all contact information on file, including my permanent address, emails, phone numbers, and a forwarding address with the post office. I have had no opportunity to dispute this claim. I sent them a certified mail letter but am still waiting to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
Have received repeated calls from the number XXXX between XX/XX/XXXX and XX/XX/XXXX, often multiple days in a row, supposedly from XXXX XXXX of Diversified Adjustment Service. One time a message was left after a 4 second pause of silence, leading me to believe a robocall was used. I am unaware of any debt that would be in my name, and my number is my work cell phone that to my knowledge is unlisted. Full text of the voicemail included below. 

" This is XXXX XXXX calling from Diversified Adjustment Service. Please contact me at XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to follow up on my ongoing dispute regarding unauthorized inquiries on my credit report. Despite my previous communications, I am disappointed by the lack of progress and satisfactory resolution to my request. It is evident that there has been a lapse in your process, as I continue to receive requests for additional documentation without any indication of meaningful investigation into the matter.

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 2024-02-09 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: Opportunity Financial, LLC
State: AL

Complaint narrative:
OPPORTUNITY Financial has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: MOHELA
State: MN

Complaint narrative:
My student loans were put in an alignment forbearance after the COVID forbearance ended ( around XXXX ). I did not request this and MOHELA didn't tell me they were putting this on. I had already been approved for the SAVE program with a {$0.00} payment prior to all of this. I called MOHELA in XXXX asking them why there was a forbearance on my account and interest accumulating if I was approved for the SAVE program. I spoke to 2 different representatives that had no idea what I was talking about. Mind you I had to wait 2-3 hours before speaking to someone. I finally asked to speak with a supervisor who was able to submit a request for me to retroactively remove the alignment forbearance and remove any associated interest. I asked her how long would this take to process and she told me about a week. Fast forward to today nothing has been completed. I called them on XXXX XXXX XXXX XXXX XXXX. Each time I was given a different answer by reps and supervisors. When I called on XXXX  the rep XXXX told me my request was open and no one has even started working on it yet. I asked to speak with a supervisor and was told I couldn't speak to one even though I was able to in previous months. This is MOHELA avoiding me and my requests. I am also pursuing PSLF which is not being counted due to this alignment forbearance. This is ridiculous, I have spent almost 10 hours of my time between being on hold and speaking to reps all for this 1 issue. The interest today is at {$3000.00} and grows each day until this is fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Installment payment was made in accordance to the guidelines as written and displayed on Shellpoint 's website. Company acknowledged payment had been made on the installment month it was due however, no updates were made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I found out my card was cancelled with AMEX on XXXX XX/XX/XXXX. I immediately contacted AMEX via phone. I was told they had initiated a financial review and I failed to comply with it. I asked why a financial review was initiated and they said it was proprietary information. When I asked what type of information they needed, they didn't tell me until the second phone call and that it wouldn't matter if I provided it now as the matter was closed. I requested, calmly, to speak to supervisors multiple times. I am waiting for a call back from one of 2 supervisors but am not optimistic one will call me, hence the complaint. 

I was not cancelled for non payment, having made a payment as recently as 8 days prior to the cancellation and during the review process, though my account is admittedly near it's limit and I make essentially the minimum payment and a little more monthly. 2nd person I spoke with on the phone said it's not a matter of not making the payments, but because I didn't provide them bank statements and paystubs, they cancelled my account for failing to comply with their financial review. When I said that cancelling my account for the financial review has the same effect as if they'd cancelled it for non-payment, she seemed not to care or acknowledge that fact. I said I feel this may be a violation of Consumer Financial Protection law, but again, she was unmoved. 

When I explained that as a military service member, who now has poor credit due to a pending divorce and that this would have prejudicial consequences on my military career and my ability to retain my security clearances, it had no affect. 

Apparently they mailed a letter to my home on XXXX XXXX ( while I was traveling for work ) and attempted to call me once as well as sent me an email that I believe went to spam. But my request to understand why my account was placed up for financial review in the first place is what feels prejudicial and punitive. And now the day I actually received notice, I'm being told it's too late to uncancel the card which I refuse to believe is the case and I've asked them to reconsider the cancellation and I'm happy to comply with the financial review now that it's been clearly communicated to me. 

The irony here is I was just charged the annual renewal fee for the AMEX platinum card and now that the account is closed, I've paid for benefits I'll be unable to take advantage of. I was also XXXX for military duty during this financial review timeline and yet that hasn't given me any grace period to get them the documentation they asked for. And I still don't know why a financial review was initiated, which feels prejudicial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: MD

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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:
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 identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have had a cash app account for quite a while. I lost my phone and could not access my cash app with my new phone. I have called them too many times with no resolution. They asked my to verify my indentity. They even confirmed the amount in my account. They keep saying my ID verification was not correct. Meanwhile I have a new account verified with the same information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank still not reporting my monthly mortgage payments. I received a letter in XX/XX/XXXX from the Fifth Third Bank, Office of the President, where they tell me that they apologize for the inconvenience, and they said that they did an investigation about my mortgage loan and the bank is reporting my information to the credit bureaus, however they contacted the credit bureaus, and they was informed XXXX, XXXX an XXXX deleted my tradeline due to the date of first delinquency ocurring in XX/XX/XXXX when my bankruptcy XXXX  XXXX was filed. Fifth Third Bank reinstated my mortgage loan in XX/XX/XXXX. I received the discharge letter from the Bankruptcy Court on XX/XX/XXXX. I contacted XXXX, XXXX and XXXX, and I was told that Fifth Third Bank needs to report my mortgage payments, because they can't find anyreport of my payments to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX my wife and I applied for a Home Equity Line of Credit with Bank of America at the branch bank located in XXXX XXXX XXXX in XXXX South Carolina. Bank of America, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ID XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, XXXX XXXX XXXX FL XXXX ; Office XXXX XXXX XXXX ; Office Fax : XXXX ; Email : XXXX ) followed up on loan request. XXXX XXXX had my wife and fill out forms to verify social security numbers and IRS Tax Returns. I told XXXX XXXX that our income is Social Security and XXXX and that we didn't file Tax Returns. He insisted we file with BA a form-4506, an SSA-86 and provide letters of entitlement from SSA. We signed and provided all the forms. The loan was to consolidate credit card debt and payoff our car loan. XXXX XXXX wrote back after a couple of weeks and said that we had to much debt and that BA would not allow increasing debt. I explained that the loan was for debt consolidation that it was not to increase debt it was to reduce debt. He said sorry your loan request was denied and said my wife and I would receive a letter in the mail stating why we didn't get the HELOC. We never received the USPS letter. But on XX/XX/XXXX we received a letter from SSA saying our benefits were going to be dropped because of the loan we got from Bank of America and since we didn't spend the money the money counts as a countable resource over {$3000.00}. I told SSA we didn't get a loan from BA. I called XXXX XXXX I told him about the issue with SSA and the fact we never received the credit denial letter. XXXX XXXX said he would mail the letter again. That was XXXX ( XXXX ) weeks ago. I have called for a letter saying we dont have an account with Bank of America and that we never received a HELOC ; and XXXX ( XXXX ) time I've been promised the letter and never received it.

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 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
XXXX is a company on XXXX that sells replica bags. I purchased from them buy four bags and get one free. When the order arrived their were only four bags and two of them were damaged. I immediately called XXXX and they said to start a dispute and to send proof and contact merchant. I sent proof of what I was supposed to get and that I can not contact them. They told me I still have to pay and I told them I will not because I didn't get what I was supposed to. Additionally XXXX is now banning this company because of this. I have a recorded conversation I can email to you as well from with the XXXX representative.

Company response to consumer: Closed with explanation