vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/23 at XXXX I received a text alert from capital one asking whether I tried to make a purchase at XXXX XXXX XXXX XXXXXXXX for {$1400.00}, and to text back yes or no to protect my account. At XXXX and within 4 minutes, I texted back no, and that I did not recognize the charge. in the interim, capital one allowed the charge to go through without waiting for my reply. that is, they asked if I had authorized the charge/purchase, and before waiting for a reply, they approved the purchase rather than declining the purchase. I called capital one and immediately cancelled my card indicating that I had not made such charges and ordered a new card. I notified capital one that I had not lost my card, it was not stolen, and that I was in possession of my card. I called the merchant and the merchant indicated that yes someone with " my card '' had made the purchase and had just left the store not too long ago. in fact, they had the person on their surveillance camera. It was an XXXX XXXX male. I am XXXX XXXX XXXX. Capital one conducted a fraud investigation and determined that I was responsible for the charges because it was an in-person purchase with a card with a chip, and that I never reported my card being lost or stolen. capital one is insisting that I am responsible for these charges. Had I lied and told capital one that my card was lost or stolen, then I would not be responsible for these charges. That's outrageous! I have since cancelled my entire account and am in the process of filing a formal police report for the incident to be investigated. I asked capital one to provide me with the details and results of their investigation, and they indicated that they do not provide the results of a fraud investigation to their customers. This entire incident is completely outrageous and unacceptable on numerous levels. Please, can you assist me with resolving this issue? Please feel free to call me at XXXX. LESSON LEARNED : IF THERE ARE UNAUTHORIZED CHARGES ON YOUR CREDIE CARD AND YOU HAVE THE CARD IN YOUR POSESSION, TELL THE CREDIT CARD COMAPNY THAT YOUR CARD WAS STOLEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NM

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, I dealt with fraud scammers whole stole {$1200.00} from my bank account. I filed a dispute with Chime. In which they investigated, then today they denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
XXXX, XXXX, EXPERIAN and XXXX XXXX XXXX are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 12 CFR 1006.34 15 USC 1692g as well as12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 12 CFR 1006.22 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXX XXXX XXXX , they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, and EXPERIAN has not provided proof that they verified the consumer was given the chance for the information not to be shared and the consumer chose not to opt out every time they have received information pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) .they have not provided any proof that information solely on transactions or experiences between the consumer and the person making the report is not to be excluded from a consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I never gave them consent to furnish anything on my consumer report as described in 15 USC 1681b.They have not provided any judgements made against me or any original notes .This is directly impacting my life as I have been denied for credit because of them.

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 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
extremely hard getting touch with actual person Very lengthy process in getting the loan reworked Hidden fees we were not told about Payments not being processed on the website. It showed it processed and a week later no payments shown or processed from my bank not applying payment if not an exact payment amount, just holding while interest is added to loan. 
Extremely long on hold times on calls, possibly on purpose or they say they will transfer you and it goes back to hold or even worse tranfer you to someones voice mail and it says their voice mail is full. 
Does not let you pay extra principle on the website Very outdated information on the website Honestly just looking for a more reputable company. We did not choose shellpoint XXXX loan was tranfered to them during banruptcy. Feel as tho they take advantage of lenders when they do not have great credit. 
I am sure im missing additional items, Most important to me is to get the word out Shellpoint mortage services is a terrible company to deal with and people should be informed of it, XXXX 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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2022 Deposited money into chase atm of XXXX. Atm took the money than printed out an error receipt. Bank said they cant find money and credited me XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I reread my previous Wells Fargo Claim in Class Action Settlement and it stated I withdrew my complaints. This is totally false due adverse actions to my credit scores to include my conventional home mortgage loan with Wells Fargo to purchase a home in XXXX XXXX De XXXX. Wells Fargo XXXX XXXX approved my home loan at a interest rate of 8.75 percent and my XXXX  XXXX XXXX accompanied me to closing due to my partner was out of town. XXXX XXXX, my Realtor XXXX was reviewing the closing documents and she and I noticed that Wells Fargo XXXX XXXX revealed that interest rate was 12.75 interest rate instead of 8.75. I told XXXX XXXX they falsely applied a XXXX percent increase interest rate at XXXX and they refused until I threatened legal criminal action. Therefore, they agreed to do a new loan closing document at XXXX instead of their illegal change from XXXX. 
Wells Fargo finally agreed to the correct interest rate and started closing process again and we finally closed the XXXX Mortgage XXXX at XXXX. It took XXXX hours to close the redone new loan at XXXX percent and Loan XXXX XXXX  XXXX XXXX  XXXX that she informed of her status and went wild due to losing Hundreds of Dollars for her illegal documents with a XXXX instead of XXXX percent. As far as I was concerned she attempted to defraud, illegal and criminal acts per her attempted to change my interest rate by XXXX percent She was friendly until we went to closing and spoke harshly to me that I was causing her Commisson on my Home Mortgage Loan! I was lied to and their illegal acts caused me severe stress. 

Thank you for additional class action case.

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 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted Experian several times via phone. I have submitted disputes. They refuse to remove addresses that do not belong to me. My only address is XXXX XXXX XXXX XXXX XXXX XXXX. I would like for them to remove XXXX XXXX XXXX XXXX XXXX XXXX. I also want them to delete XXXX XXXX XXXX XXXX XXXX XXXX. I have made them aware that I am worried about identity theft. Reporting addresses that are not mine is not only illegal, but it causes mail to be sent to people that are not me. Exposing me to identity theft at the fault of Experian. According to 15 U.S. Code 1681s2 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. Experian KNOWS they are reporting incorrect addresses because I told them multiple times, in multiple ways. I uploaded proof of my current address ( utility bill and bank statement ) to the Experian Dispute Center. To remedy this matter, I would like Experian Information Solutions Inc. to remove these 2 erroneous addresses immediately. Thank you.

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 2023-01-25 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I use XXXX XXXX XXXX and was notified that someone used my info and credit for a hard inquiry to this company : XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX when i tried to call the number a few times and left messages I got no return calls back. I need to file this dispute with FTC so that I can fw the request to XXXX to have the inquiry removed. 

I have since froze my credit until I can get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Skrill USA, Inc.
State: CA

Complaint narrative:
My company XXXX XXXX did credit card transactions from customers that used my services and the merchant company name that I used was PAYSAFE. It was 3 transactions in total XXXX I have attached the settlement batch as well. I was told that they will send the funds but than my money was not paid according to policy and said they will refund the funds back however services were rendered and therefore I should be paid for my services and the customers never received the refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Home Mortgage foreclosed on my home in 2008. they refused to do a modification or temporary assistance to save the home. I seen a notification of a settlement ordered for Wells Fargo to pay for damages in foreclosures. 

I also had a couple checking accounts with them during this time and was charged many overdraft fees I have not yet been contacted by Wells Fargo regarding these settlements.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: IL

Complaint narrative:
IRS FRAUD and United States Code Law Violations Discover Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION Discover Bank is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. Discover Bank has not provided consumer with official treasury forms filed under consumer social number as described by congress as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time.

As for the 1099c, 1099oid, 1099a that Discover Bank has filed with treasury department under the rules of the 1099c company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. Discover Bank is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under Discover Bank with the security exchange commission along with all OMB IRS forms needed to conduct an audit on consumer account. 
Discover Bank has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. Discover Bank immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
this concerns wells fargo I appied for mortgage modification in XXXX Iwas told by bank that I had to be 90 days late to apply when I applied my mortgage was XXXX a month It was a extensive process I faxed them information 2 times a week After about 8 or 9 months they said my payment was about XXXX a month I told them it was too high and I could not afford it Lost our house in XXXX We are in our XXXX we thought we were going to spend the rest of our lives there

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 2023-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
This company is reporting inaccurate information on my consumer report.Also this company has been causing me financial and emotional damage. This company is defaming my Character. The account numbers are wrong, opening date wrong. I will attach copies of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I'm a Texas Veteran and contacted Cardinal Finance about a home loan using the XXXX XXXX XXXX XXXX XXXX. The loan XXXX was not familiar with the program but claimed to be so. 
My complaint is Cardinal Finance made XXXX hard inquiries on my credit report on the same day, XXXX of them are errors, and they will not fix their erroneous hard inquiries. 
These additional hard inquiries severely impacted my credit score. 

Cardinal Finance XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Name is incorrect 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 2023-01-25 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:
Disputed with company on XX/XX/XXXX. Company received dispute per updated comment section of XX/XX/XXXX credit report. No communication from company regarding investigation progress or results. Company changed payment history from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX credit report shows 10 months of payment history. XX/XX/XXXX credit reports shows 0 months of payment history. Inconsistent reporting with other credit bureaus. Company responded they updated payment history as of XX/XX/XXXX. Pulled credit report as of XX/XX/XXXX with no update. To date, company has yet to provide DOCUMENTATION of alleged debt which was requested in initial dispute with company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
There was a fraudulent charge on my credit card and they refuse to remove the charge. Even though the charge was made in another state and the purchase was made by a totally different person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
At this time Coinbase has blocked me from getting access to an account that I previously went through all of the trouble of reporting them for, only to now not be able to get back into the account. This matter was previously addressed in # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2023, the XXXX XXXX XXXX branch of Chase Bank conducted a three-hour long investigation that concluded that Chase erroneously closed two of my CD accounts, totaling an amount of {$75000.00}, and mailed a check to my previous address. I was told that a check for that amount would be re-issued to me within 10 days. It has now been over 20 days and I have not received the funds that are rightfully mine. I would appreciate your assistance in contacting Chase Bank to look into this eggregious matter, as misappropriation of {$75000.00} represents a hardship to a senior like me.

Company response to consumer: Closed with explanation