vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company has failed to report their findings in 30 days. 

Experian XXXX XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$7100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I filed for bankruptcy 2 years ago Portfolio Recovery Associates are calling from different types of numbers with the intent to disturb me. I already told them they were included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in the process of buying a house and I would like to file a complaint against these below due to defamation of character and my livelihood. Furthermore, it is against the law with law 15 USC 1681. 

Hard inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXX- charge off capital one- charge off XXXXXXXX XXXX XXXX- agency name ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- agency name ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Spring Oaks Capital , LLC, has violated my rights. 15 U.S.C 1681 602 A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Credit card company said was a fraud canceled use of card but still want payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
MOHELA increased the interest rates on my student loans. My loans were transferred from XXXX XXXX to MOHELA when I submitted the XXXX form. Starting in XX/XX/2023, I alerted MOHELA that the interest rates were higher. They never fixed it and refuse to reply in writing. They simply respond by saying that I need to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I had my identity stolen as number, driver'licence, credit cards, I've had accountsbooened in my name. My address has bern ch as the on XXXX server times. XXXX my XXXX children s ss cards been stolen and used. I'm getting notice them being used I DDT idnt use there identity or my own like this I've had 2 checks stolen and cashed from irs taxes s also.Im currently waiting on desicion on my social security afraid there stealing this too. Pleaseeh.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: GA

Complaint narrative:
On XX/XX/XXXX, someone opened up credit in my name fraudulently. This person resides in Florida. I reside in a different state. The account was eventually closed. I froze my credit and added a fraud alert. However, the address is still on my credit report.

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 2023-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We recently just finish the forbearance. Now, we were looking to start making the payment. We were confuse about the Process. We didn't know there were 2 different payment options. Carrington contact us by email they said please, please contact us the Completion letter, I was confuse. I receive a call from XXXX XXXX. Thought this and Carrington were one. He then explain each one. XXXX  XXXX XXXX also said we hadn't made a payment in 2 and 1/2 years. A lady from Colorado at Hud call. I told her we built our house in XXXX. She corrected me and said it was XXXX. I corrected her and said it was XXXX. She said XXXX XXXX I'm looking at the screen and it was XXXX. I said oh my gosh!! This is how XXXX people losing their houses. I'm waiting for XXXX  XXXX to produce Payment Histories for year XXXX, XXXX. Carrington and XXXX XXXX XXXX violated " Real Estate Settlement Procedure Act. Failure to make timely payment out of borrower 's escrow. This loan has {$18000.00} dollars sitting in escrow right Now!! Why?? .Our house in Auction " now waiting for XX/XX/XXXX '' Mortgage Service are required to work with you and tell us about all available option to avoid Foreclosure That didn't happen! That was a secret. This house has {$200000.00} XXXX dollar in Equity. This is an investor Dreams. I had 6 calls this weekend to tell me our house would be Auction XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I closed my Citi credit card ending in XXXX in XXXX, 2023, paying off my complete balance, bringing it to {$0.00}. I requested at this time that my account be closed completely, and was assured that this was done. I did not use that card or account in any way after that point. 

In XXXX I received a payment from Citi in the amount of {$290.00}. I assumed this was the result of overpayment. 

I subsequently received notification that the payment for {$290.00} was an error, and was asked to repay this amount. The payment was the result of another card member making a payment that ended up being credited to my defunct, closed account. 

Here are my concerns : 1. If my account was truly closed, how was it possible that a payment could be credited to it?

2. Why was another card member capable of making a payment to my closed account?

3. Why is this mistakea mistake Citi admitsmy responsibility to resolve?

4. My accountwhich I paid in full and closedis now active again. I did not authorize this.

5. How does the reactivation of this account, the mistaken payment, and now notification that I must repay this amount, affect my credit rating?

6. If I refuse to make this paymentwhich is the result of Citis admitted errorwill I accrue fees or penalties?

Thank you for your attention to this matter, and for any assistance you can provide. 

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 monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a XXXX  credit card with Commenity bank in XXXX to XXXX it closed and I havent dealt with this company since then. I filed bankruptcy and it was discharged XX/XX/XXXX, I called and advised them prior to it being filed and after filed given case number etc. They went on my report and filed a inquiry from XXXX as if I applied for an account and made remarks after knowing it was discharged with that causing my credit to be decreased and still having the inquiry on my report today. I have been calling company several times to ask them to remove inquiry she said she doesnt know why that was done and it will be fixed but still not fixed yet. Im calling but keep being transferred and spoken to in a rude manner and hung up on every time I call and put my number in it wont get answered and Im being penalized after doing everything legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please read attached documentation and evidence. 
Capital ONE has been overcharging both my # XXXX and # XXXX credit cards with false entry interest charges and false interest from moving my payments back and forth from both cards and placing fake line entry payments and 3 months later charging me interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
My mortgage lender paid property taxes from the escrow account while I was appealing the bill and after I asked them to delete the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to put A credit freeze on my Experian and as I tried to get into my account I was denied no matter how many times I try to change my password it gets denied i tryed contacting the company but was unable to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act ( XXXX XXXX XXXX ) ( Account # XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act ( XXXX XXXX XXXX ) ( Account # XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting

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 2023-07-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my Experian Credit Report my XXXX  XXXX XXXX Credit Card is showing account under dispute due to the Fair Credit Billing Act. I did not file this dispute there must be some kind of mistake.

Also my Experian Credit Report is showing the following message Your total credit limit decreased by {$7000.00} Your credit limit decreased from {$7000.00} to {$0.00}, which typically means either a lender decreased your credit limit or you closed a credit card account.

My XXXX  XXXX XXXX Credit Report is still open why did my score drop XXXX points?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX paid {$1700.00} ( XXXX # XXXX from account on XX/XX/XXXX ) at Fifth Third Bank branch in XXXX XXXX  to pay off mortgage. 
Fifth Third sent letter dated XX/XX/XXXX confirming mortgage # XXXX, paid. Letter stated it would take up to 90 days before Lein release is recorded. XX/XX/XXXX, called XXXX XXXX XXXX of Deeds inquiring about lien release. They had no info. 

XX/XX/XXXX @ approx XXXX pm, spoke with a XXXX XXXX XXXX XXXX at Fifth Third branch located in XXXX, XXXX. XXXX XXXX pulled up the account and informed me that the process had not even started. This is now six ( 6 ) months since pay-off. XXXX XXXX sent an Email to the mortgage department for an inquiry. 

It is now approaching two ( 2 ) months and still no release. Included in the pay-off amount was a fee of {$30.00} for recording the Lein Release . 

This is the same bank that on XX/XX/XXXX Website was malfunctioning. Attempted to pay credit card ( XXXX ) website would not issue a confirmation #. Attempted two more time with no confirmation # issued. Called and a Fifth Third representative processed my payment. Checked bank account on XX/XX/XXXX, bank account had four ( 4 ) payments debited ( extra {$360.00} ). Minimum payment was {$35.00}, I paid {$120.00} on the account. At XXXX XX/XX/XXXX, spoke with a representative XXXX who assured me that Fifth Third would rectify and reimburse any fees. XX/XX/XXXX {$240.00} reimbursed to bank account. Went to the XXXX XXXX XX/XX/XXXX to inquiry where the other {$120.00} was. Fifth Third cut a check on XX/XX/XXXX. ( XXXX XXXX Bank should have shut down web-site. ( XXXX ) With no confirmation # payments should not have been debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was alerted by XXXX that my credit was pulled by Bank of America. I have no need to use BoA and didn't request anything from them. I tried calling the BoA number on the XXXX report but was continually disconnected because I don't have an account with them. I then had to use XXXX XXXX  to try and speak with a BoA rep who then told me ( without asking any confirming information ) that there was no way BoA pulled my credit and XXXX was wrong. Now just days later I received a credit card from BoA using a name I haven't used in 20 years for a credit card I don't want. No one at BoA will help me and now my credit has been expanded for usage for a card I don't want. Lack of any help at all from BoA has been shocking. I can't tell who asked for the card, if there has been fraud, etc because I can not get a rep to respond to my inquiries.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX, all of which are attached below to verify or delete a XXXX  XXXX bankruptcy. I received responses they do not believe it is me filing the disputes, and they have taken no action for investigation. Moreover, they are vague and refuse to supply their method of validation from the court with copies of the records.

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 2023-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX in the amount of {$3000.00} MOHELA/DEPT OF ED XXXX XXXX in the amount of {$1700.00} MOHELA/Dept of ED XXXX XXXX in the amount of {$1700.00} MOHELA/Dept of ED XXXX XXXX in the amount XXXX MOHELA/DEPT ED XXXX in the amount of {$800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: GA

Complaint narrative:
Account number : XXXX ( XXXX ) Date opened : XXXX, XXXX, 2022 Last payment date : XXXX, XXXX, 2022 No payment was late on this account. I have tried to get it updated multiple times, but the company XXXX, or the credit companies will not do anything. I have tried to dispute this multiple times and even sent a letter in the mail. No response.

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 an account without my written instructions.

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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
Subject : Unfair and Possibly Illegal Treatment at Check Cashing Establishment Dear Sir/Madam, I am writing to file a formal complaint regarding an incident that occurred at a check cashing establishment, namely ACE Cash Express XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 

On XX/XX/2023, I, XXXX XXXX, was subjected to what I believe to be unethical, potentially illegal treatment by the staff of this establishment. Initially, I called the store to inquire about their check cashing fees, and I was told that this information could only be disclosed in person, a protocol which I found non-transparent and unreasonably burdensome. 

Upon my visit to the store, I was made to undergo a lengthy, cumbersome application process. After investing significant time in this process, I was then informed that they could not cash my check due to a box that was checked in the endorsement section. 

The check in question is a government-issued XXXX refund, endorsed correctly with my signature. The staff erroneously stated that the checked box indicated it was not eligible for cashing. However, according to legal regulations, such a restriction is only applicable if the endorsement also includes for mobile deposit only, which my check did not. 

When I asked to view the policy in writing that justified their decision, not only was I denied, but I was also subjected to inappropriate and disrespectful language from their staff, behavior which I find entirely unprofessional and uncalled for. 

I strongly believe that this behavior, coupled with the seemingly dishonest practices I encountered, warrants an immediate investigation by an external body. I understand that the CFPB has the mandate to protect consumers like myself from such unfair, deceptive, or abusive practices, and hence, I seek your intervention in this matter. 

It is my hope that, with your help, we can ensure that the practices at this check cashing establishment are fair, transparent, and in line with the law, to prevent other consumers from experiencing such ill treatment. 

I look forward to your prompt attention to this matter. I am more than willing to cooperate in any investigation and can provide any additional information needed. You can reach me at ( XXXX ) XXXX. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation