vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Since XX/XX/23 I made a claim for {$2100.00} and claim was received and investigated from my child support debit card the funds were taken off of my card and transferred to a XXXX account that I never owned. This transaction took place on XX/XX/23 I didn't know about it until XXXX because I wasn't getting any alerts that I was receiving benefits on this card as the company changed child support debit cards to new Bank of America cards. I spoke with representative on XX/XX/23 & XX/XX/23 and it seems they didn't even bother to take their time out & just dismissed my claim. So I requested for a reconsideration because I wasn't at fault. They need to have their systems updated for transaction alerts as well as fraud alerts. I am waiting on a letter from them in mail hopefully I get it so I can proceed with a full police report. I shouldn't have to be going through this for my child support money. Claim number XXXX for Bank of America XXXX child support debit card.

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 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
I payed twice accidently on my mortgage XX/XX/2023. Clearly the funds were there but the money was taking forever to be drawn. I thought I may had forgotten so I payed online again a few days later. The company then tried to take the money out twice. I called to resolve this matter but the company is refusing to let me make an online payment for this month.They are also trying to charge me late fees. I tried reaching out to the research department through the online portal but nobody ever writes back. This company keeps giving me the run around!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello my name is XXXX XXXX and I am writing to you because of an inaccuracy that has been reported on my credit report from capital one bank stating that I was late on my credit card payment on XX/XX/XXXX, I was not late on my payment I made a payment on time payment on XX/XX/XXXX for {$35.00} paid via XXXX. Capital one credit card department is stating that they did not receive the payment and failed to verify the reason this is old account credit card number ending in XXXX and now is XXXX This is an in accuracy and the late payment needs to be removed from my credit report because I paid the credit card on time on XX/XX/XXXX for {$35.00} via XXXX I also have proof from a screenshot sent by capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I attempted to transfer my hard earned Capital One travel points to my XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2023 as I am looking to book air tickets for me, my XXXX  years ' old husband and my son around XXXX as I am getting a good deal. The first transfer of XXXX points went through immediately. The second attempt at transferring about XXXX points has been under " pending transfer '' for over 3 days now. The confirmation code that I received on the Capital One app that shows pending transfer is XXXX and it says that the typical transfer happens in 1 business day. However, these points are stuck and Capital One has been nothing but unhelpful in getting this fixed. I called the customer service and was told that they were worried that the transfer was fraudulent. After I verified all my details, they said that they realize that the transfer is legit but they have no way of manually ( a ) completing this transaction, or ( b ) canceling this transaction for the points to show back into my Capital One account. Needless to say, the deal for the ticket that I was attempting to book has ended and it will cost me {$1000.00} more to buy the same ticket. It is disgusting that a company like Capital One is making us XXXX  XXXX  suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/23 Opened mail and discovered I received a XXXX XXXX XXXX from Chase that I never applied for I checked credit report and see I had a JPMCB Card credit check on XX/XX/23 that I never authorized. 

On XX/XX/23 I immediately contacted Chase who claimed they closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX someone " hacked '' into my savings account and illegally wired approximately {$4100.00} to a " XXXX XXXX '' without my approval or knowledge, I reported it to the bank.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2023 I notified Experian of my recent identity theft issue by following the steps provided to me by the FTC to block the fraudulent information on my credit reports. This notification was sent to Experian via certified mail and the tracking number is XXXX. I am attaching a copy of this mailing to this complaint. 

Experian received this notice on XX/XX/2023. FCRA 605B ( 15 U.S.C. 1681c-2 ) states that " 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 '' Today is XX/XX/2023, 13 business days after Experian received the notification and the fraudulent information is still appearing on my Experian credit report. Experian is in violation of FCRA 605B. If this information is not corrected I have the intent to file a lawsuit against Experian for violating my rights as a consumer under FCRA 605B.

I have not received any communications from Experian regarding this issue as of XX/XX/2023.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
i applied for an XXXX dollar personal expense loan with navy federal credit union yesterday ( XX/XX/18 ) and today it was denied. so i did an appeal and the appeal was denied. but i asked the rep to notate that i wanted them to repull my credit for the appeal but they never did. i know because i get alerts when my XXXX  is pulled. they pull XXXX  for personal loans but this time they didnt bother pulling my credit. they are bad for business. at the end of this month i am closing my accounts and no longer doing business with them. i am going to report them to the department of justice soon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I went to XXXX from XXXX. It has been almost 20 years ago. I was a XXXX XXXX XXXX in XXXX. I applied for a loan cancellation/deferment in XXXX on multiple occasions with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I was lied to about the requirement to cancel the loan as a XXXX. For years I called to ask about the cancellation process for full-time nurses and I was told that there was no such program or I was not qualified for various reasons that were not true. The original loan was {$5000.00} but now {$8000.00} even after XXXX XXXX XXXX XXXX XXXX XXXX for 18 years. No matter how much I sent and how many time I worked full-time. The loan doubled and tripled in cost. 

The final straw with this school is that the loan should have been on deferment due to unemployment this year from XX/XX/XXXX. Every time I sent paperwork to show that I was on unemployment, they found a problem with my application to deny it. I was given a due date to resubmit the paperwork for this loan ( XXXX ). I did all diligence to resubmit the form base on their request. Imagine my surprise when I saw that they sent me a collection before the due date has expired. I have been given the run around since XXXX by this company. Today 's date is XXXX why did I get sent to collections when I am trying to submit proof to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America opened a second foreclosure case on my home in Florida back in XXXX. 
Even though the statute of limitations ran out during the pendency of the appeal ( which was won ) for the last case, they restarted the case anyway. 
This time as the last time, the bank lost the Note. 
8 days before trial, at mediation, the Note was suddenly " found '' after 8 years. 
Previous inquiries ( 3x last being XX/XX/XXXX ) indicated that the loan is held by the original lender yet the lawsuit ( filed XX/XX/XXXX ) reflects the owner XXXX XXXX. 

So I agreed to a stipulation under much time pressure to consent to judgment in exchange for more time to seek financing or sale of the house. That very day after consent was made, a proposed judgment amount came in and was not in line with what I envisioned. Moreover the co owner of the property came to the realization she did not retain the attorney I had used to make this deal. So I filed a XXXX XXXX to see if the bankruptcy court can help arrange a payment plan that takes into account the long and tortured history of this loan and any statue of limtations that can deduct amounts or arrange the debt to make it affordable.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I asked the credit reporting agencies ( XXXX, Equifax, XXXX ) to show me the original contract in agreement to a XXXX XXXX. I wanted the original contract with my name on it yet I haven't received anything besides letters telling me the account was validated. I have attempted this 3 times over the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I asked the credit reporting agencies ( XXXX, XXXX, Experian ) to show me the original contract in agreement to a XXXX XXXX. I wanted the original contract with my name on it yet I haven't received anything besides letters telling me the account was validated. I have attempted this 3 times over the past 6 months.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to file a complaint against Capital One regarding their refusal to refund fraudulent charges on my credit card accounts. I added my cousin as an authorized user in good faith, but he abused this privilege and made extensive fraudulent purchases, incurring {$42000.00} on the Venture card and {$44000.00} on the XXXX card. When I disputed these transactions, Capital One denied any refund, claiming that I am fully liable for the charges. I believe that Capital One 's negligence and failure to protect me from this clear fraud is a violation of consumer protection regulations, including the Electronic Fund Transfer Act and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I went to the Huntington Bank branch on XXXX XXXX on XX/XX/ and they did not allow me to withdraw my money. 

Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See document attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}.

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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX accounts 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  has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act XXXX  accounts 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  has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent

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