vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I was receiving solicitations from One Main Financial via email and or text. I originally took out a loan for {$1500.00}. However, I continued to get solicitations with offers up to $ XXXX. I got caught up in the sales pitch and agreed to a $ XXXX personal loan with 35 % interest rate, and it was deposited into my checking account immediately after finalizing XXXX have a personal loan with XXXX XXXX XXXX XXXX for $ XXXX with 17.7 % interest. I am making my payments on time and will continue to no matter the outcome of this complaint. I feel that I was gouged by One Main Financial because my payment history for all my debts and utilities are perfect -- no late payments and my XXXX is at about XXXX. When I tried to get another loan from XXXX XXXX XXXX XXXX they sited my Income to debts ratio and was declined. Following that denial One Main Financial solicited me. I want my interest rate to be reduced to 18 % because I am paying all my debts on time and in full. The debt is a burden and leaves little to live on. Hope you can help me get a lower payment. All my income is military pension, civil service pension and social security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of this year, I received an email stating that my replacement debit card was sent to the wrong address. We updated our address months ago with Bank of America. Unfortunately, they forgot to update my debit card address. As a result, they sent my replacement card to the wrong address. When I called the Bank Representative, she told me that they were going to expedite my request, but that I would have to pay a {$15.00} fee to do so. The representative and her supervisor, understood that this was a bank error, yet there is no process to waive the fee even when they made a mistake updating my debit card address.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
I have over XXXX dollars in my account from cash app, due to that being where I get my funds deposited from my job as I work for XXXX. I was not notified before a lock was placed on my account, I got off of work at XXXX after working XXXX hours, just to not be able to access any funds on my account, Cash App refuses to release my funds to me as they refuse to provide an explanation as to why my funds are still not released after verification process has been done. Cash app does not have proper customer service hours in order to get a proper resolution, as I told them it is illegal to hold funds, they disregard my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAPITAL ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I leased a XXXXXXXX XXXX XXXXXXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and GM Financial unenrolled me from automatic payments. 

In XX/XX/XXXX, I called GM and paid the XXXX payment on XX/XX/XXXXXXXX XXXX XXXX  and reenrolled in automatic payments. At this time, GM verified I was reenrolled in automatic payments. The next month, GM again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called GM and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXXXXXX GM submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted GM about this and submitted a dispute on XX/XX/XXXXXXXX  However, it went unanswered. 

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposited check on XX/XX/XXXX. On hold til XXXX Today my account has been restricted for no reason at all. Can't access my funds or pay my bills and will be evicted if I don't pay rent and chase won't let me pay my rent with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/ we had a major water loss at our home. After dealing with our insurance company for months to give us a fair settlement to make the repairs our funds were sent to us with our mortgage company PennyMac named on the payment. We endorsed all funds to PennyMac and were in an understanding that they would release funds as needed to so we could make the repairs to our home. The repairs for our claim are over {$200000.00} and after the depreciation which is being withheld by our insurance carrier PennyMac has been sent approximately {$140000.00}.

PennyMac has delayed funds being released countless times and we have not been able to make repairs in a timeline that is compatible with our insurance policy coverage for our additional living expenses ( rental home, storage of our contents ). I have called PennyMac over and over and spent hours on the phone with them explaining we need the funds to make the repairs. They tell me that the repairs we have made are not up to the percentage they see fit for the amount that we have. Our house was taken down to the studs and we have repaired plumbing, electrical, insulation, drywall, doors installed, walls textured and ready for paint. 

We need to order cabinets and flooring and construct our bathrooms. They keep telling me that they need to see these things done before they release the money. We can not afford to pay for those items up front. That is what the insurance money is for. They are simply refusing to give us the money to pay our contractor. My contractor has spent a considerable amount of time on the phone with them as well explaining we need the money to keep repairs going and they still refuse. I explained to them that I feel they are holding our money because they have it invested and are gaining interest on it. They don't want to give us the money so they can keep gaining from our loss. 

What they are doing to us is completely unethical and they are acting in bad faith toward us. We need them to release our funds to us to complete our repairs so we can move back into our home. We are coming up on 1 year since our entire house flooded and PennyMac does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase is still reporting an unlawfully debt thats has been past the statute of limitations of 7ywars federally and state level its three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I set up a bill payment from my XXXX XXXX account with a delivery date of XX/XX/XXXX  My American Express bill is due on XX/XX/XXXX  The records on the XXXX Website state : " Delivery date XX/XX/ Your payment will be debited on XX/XX/XXXX XXXX two business days prior to your delivery date. '' The records on the Amex website state the payment wasn't received until XX/XX/. I was hit with a late fee from Amex of {$29.00}. I was also charged {$76.00} in interest. I called American Express and they refunded the late fee as a courtesy but will not budge on the interest. They are claiming that they don't hold payments, they claim the payment wasn't delivered until XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/. I then spoke to XXXX and explained the situation, and they are claiming they sent the payment on XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of XXXX federally and state level its three years.

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 2023-12-16 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: NY

Complaint narrative:
XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of 7ywars federally and state level its three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with CitiBank I believe back in XXXX. From the start of the start of this account there were issues. My normal purchases kept being flagged as fraud and required me to keep calling back to get resolved. Cut to XX/XX/XXXX, I find out that my account has been closed and that I can expect my money in 30-60days. Unfortunately this is my only account and source of income, so I go down to the branch to request a refund and they refuse. Ive proceeded to call CitiBank multiple times a week, cutting into my work to try to get a resolve. They told me that the back office who theres no way to contact is handing this and that they can escalate my case. After what feels like 90 escalations, last week they finally told me that the back office replied to them and would be sending out a check of ~ {$2400.00} and that I can expect it in 7-10 business days. I checked back a few days to see if I could get a tracking number or check number with no luck ; the lady told me to call back in 24hrs since she needs to get that number from the back office today I check in and theres no record of any check or anything and Im being put through the back and forth again. At this point XXXX is in a few days and I have no money, Im in desperate need of my refund.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One first emailed me on XXXXXXXX  about a new account opened in my name and with my email address, with also the phone number and account asserted to be verified. The information about the account described in the email included " XXXX XXXX ; XXXX XXXX XXXXXXXX ; Routing number XXXX ''. 

I tried calling the fraud telephone number, but no one picked up, there was no operator option, and there was no option for me to assert the account was fraudulently opened. I emailed Capital One at the email address identified on Capital One 's website to report fraudulent activity. Capital One sent an immediate auto-response, but never followed up. Capital One continues sending emails asking me to add funds to the account. I have repeatedly emailed the address to report the fraud, but still with no response or action from Capital One. 

I do not use Capital One. I did not request an account. And I do not want this fraudulently opened account to affect my credit score or result in any other form of financial or creditworthiness penalty. 

Please help me to close this account and remove all references if it in my financial and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: TN

Complaint narrative:
We sold our house and was buying a new one. We went through the whole process and got our final approval and the closing instructions but after we signed the paperwork the mortgage company did not send the funds and they called us the next day and told us that they could not go through with it due to our previous mortgage apparently was past due by 120 days. I had been advised once the lender had gotten the pay off on our mortgage to not make any payments as this would alter the payoff amount and they didnt want that to happen. We had already closed on our home and are now homeless and living from house to house with friends and relatives with our XXXX children

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I leased a XXXX XXXX XXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and XXXX XXXX unenrolled me from automatic payments. 

In XX/XX/XXXX, I called XXXX and paid the XXXX payment on XX/XX/XXXX and reenrolled in automatic payments. At this time, XXXX verified I was reenrolled in automatic payments. The next month, XXXX again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called XXXX and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXX, XXXX submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted XXXX about this and submitted a dispute on XX/XX/XXXX. However, it went unanswered. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TekCollect Inc.
State: TX

Complaint narrative:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and the last date reported. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed within 21 days. Please see the attached dispute letter which is dated and time stamped and remove this account from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today XX/XX/2023, I spoke with XXXX agent Id XXXX that verified there was still a balance and the last payment was in XXXX of XXXX He also verified it showed in the notes my money was received on XX/XX/2023. This verifies they received the attached affidavit letter that came with the money order explaining if it was refused for any reason to send back the XXXX negotiable instrument with as to reason why it was refused. Capital One did not do that, instead they closed down my account without a reason why. This is XXXX and they have committed the act of extortion which is a XXXX offense. By accepting a money order and not sending it back or applying the credit to the account is embezzlement and fraud. The letter clearly stated if it was refused for any reason to send back the original instrument. XXXX months is dishonorable and way past a reasonable and acceptable time frame. The balance should have been completely XXXX pursuant to XXXX XXXX XXXX also supported by XXXX XXXXXXXX XXXX I was transferred to supervisor XXXX of the fraud and dispute dep. She could not answer my questions nor explain the violations being committed or why Capital One violated their arbitration agreement by not refusing to pay their arbitration filing fees. She stated she could not provide me the XXXX contact information as this needs some MAJOR attention for the Lies, XXXX, XXXX XXXX XXXX these XXXX are committing. She stated someone would reach me back in XXXX business days. I dont need a computer generated response, I need a higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am deeply concerned and frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing a home for my family, these unwarranted entries persist despite multiple attempts to have them removed. Compounding the issue, my information was compromised in both XXXX and XXXX breaches, eroding my confidence in their ability to safeguard my consumer report. I believe this situation violates my federal rights under 15 U.S.C. 1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), and I am distressed by the emotional and mental toll it's taking. I have reported these issues to the local police department and the Federal Trade Commission, emphasizing the illegal disclosure of personal information to third parties. If these damaging entries are not promptly addressed, I am prepared to pursue legal action to rectify the inaccuracies in your database.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.

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 2023-12-16 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: DE

Complaint narrative:
As of XX/XX/XXXX  there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Transunion has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.

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