vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
received a letter in the mail in regards to a credit card application that was not approved or authorized to be open contacted chase to get me information as to how the application was placed was told they was unable to provide that info to me but was able to go to a branch to fill out a form in regards to application being placed without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was admitted into a XXXX facility on XX/XX/2023 and prior to that all services were cancelled with XXXX. I noticed in XX/XX/2023 that XXXX was still withdrawing money from my account. I contacted Wells Fargo in XXXX and asked them to stop the automatic withdrawals there was no withdrawals in XXXX ; however, they started again in XXXX. I XXXX and have no access to a computer in this facility and wasn't aware of this until in or around XXXX when my sister accessed my bank statements.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My account was fraudulently hacked on XX/XX/23 for {$4000.00} dollars. After XXXX months of going back and forth with the bank they told me what I was stated was not consistent with what had happened, Mind you, these XXXX transactions happened in a matter of 4 minutes totaling over {$4000.00}. I had asked for a call back from the bank of numerous account from their " resolution team ''. Not once did I receive a phone call. I spent countless hours on the phone explaining my situation and provided documents which they requested. They then sent me a letter dated XX/XX/23 that my account would not be credited and that my story did not add up. I requested to talk to the person who worked on the case specifically and was told " you can not talk to them, no one can ''. I asked how someone that has never spoken to me can tell me that the money that was taken out of my account fraudulently can come up with that determination. The " resolution team '' member told me there was nothing they could do. This took about 2 months for someone I'm " not allowed '' to speak with to tell me my money was gone. Banks are FDIC insured and it seems like Huntington didn't want to be on the hook. Not only did they get my bank information they also hacked my XXXX and were able to obtain boxing tickets with my money. I was a customer for over a decade with them and this is how they treat their loyal patrons. I called in again after I received the letter notifying me that the matter was " closed '' and that was it. I felt robbed of my own hard earned money and left me in a complete bind financially. I was forced to open another account with a different bank just so I could access money. They held an additional {$3600.00} from me as a new direct deposit had went in during this time and had nothing to do with the ongoing " investigation ''. I finally received this money after XXXX weeks. All in all I have now out over {$4200.00} and am being told there is nothing left to do on their end. I would never wish this horrible experience on anyone. The amount of hours, stress and financial strain I have occurred during this process has been psychologically straining to say the least. Huntington National Bank allowed someone to access my account and took XXXX accountability after all the documents they requested from me were sent to them within minutes. Again, PLEASE stay away from this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I consolidated my federal student loans and applied for SAVE ( previously on REPAYE ) back on XX/XX/2023. The consolidation was processed in XXXX but the SAVE application was listed as processing on Mohela. I checked my account on XX/XX/XXXX and noticed that my SAVE application was still listed as processing but my repayment was on the LEVEL ( standard plan ) and due in XXXX. I called on XX/XX/XXXX to get an update on my SAVE application. The rep on XX/XX/XXXX told me my SAVE application must have gotten lost and to resubmit the application verbally. I did that and was placed on administrative forbearance until XXXX. 

On XX/XX/2023 a bill was generated for my account and still was listed for the LEVEL payment. I called on XX/XX/XXXX to see what was going on since I now have a payment due for the LEVEL ( standard ) repayment due on XXXX. I was told by three different reps that once again my SAVE application from XXXX has been lost or is not finished processing. I was once again told to resubmit my SAVE application and it would take 10 business days to process. Seeing as I can't afford the standard repayment, I asked if the administrative forbearance be extended through XXXX to give the application time to be processed. The rep told me they could only put me on a " processing forbearance '' through XXXX and it would NOT count towards PSLF. 

Attached is the screenshot depicting the now XXXX IDR applications I have submitted for SAVE. 

At this point it is taking almost 5 months to try to get on the income driven repayment plan that I have been told to be put on. Now my forbearance will not count towards my PSLF thanks to the incompetence of Mohela. It is unacceptable to still be dealing with this and Mohela needs to be held accountable by the Department of Education and the federal government for misleading loan borrowers and losing their applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy federal closed my acct without notification also won't tell me why they closed acct they recieved payments between XXXX and XX/XX/2023 and violated there own terms and conditions I believe it XXXX no payment they can close acct but they recieved payments and money out of my checking acct between the time they said they mailed letters out funny thing is I have letters from XXXX non of them state closing of my credit card account this is a breach of contract breach of agreement also bad business practices they also held my check that was being cashed for XXXX dollars for 10 days and took XXXX I also made arrangements to pay this account before the closing of account they automatically took money out of my checking account regardless of amount a payment was made and account is caught up in good standing once they recieved money by law they can not deny me credit or prevent me from accessing my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I was unable to log into their online payment system to pay my mortgage. I have attempted login daily since then with no success. Today being XX/XX/XXXX. When calling on XX/XX/XXXX I called to inquire and the automated system said " Our systems are down ''. 

When investigating I am now getting a message that there's been a cybersecurity breach and they are " hopefully '' back up by Friday. 

There has been no communication from them that I have received and am otherwise unable to pay 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX I attempted to advance to myself online {$50.00} from my HELOC account ending in XXXX that was opened on around XX/XX/XXXX. The amount of the line of credit was {$180000.00}. At the time of opening, I was informed I would be able to draw on this account up to that amount at my request for a minimum of 10 years. However, my attempt to advance myself on the referenced date was denied even though there was XXXX dollar balance on the account and XXXX money owed. A pop-up window instructed me to call XXXX. Looking at the information on my account I saw on XX/XX/XXXX " Place Adv Block. '' I assumed I was being blocked from making advances and called the XXXX number to confirm. The first rep I got, XXXX, confirmed that I could not get an advance. I explained that I was just charged {$65.00} on XX/XX/XXXX for " LOC Annual Fee '' and told him if I was blocked from taking an advance then I demanded my {$65.00} Annual Fee returned and the account closed, since a new HELOC one can not draw on is worthless. And I was being charged for this worthless product. XXXX attempted to try to explain to me why this was the case and I cut him off and told him I didn't care the reason, just close the account and refund me. I called him a name, and he hung up the phone on me. I called back and this time got XXXX. She wouldn't give me her last name but did give me a company ID of XXXX. I told XXXX about my experience with XXXX and that I wanted a refund of the annual fee I had paid and to close the account. She put me on a brief hold and when she came back she told me I could only do this in writing but did not give me the address to send the written demand to. I asked her if there were any hidden charges I would incur. I asked her for a straightforward yes or no answer to a straightforward yes or no question. She hemmed and hawed and eventually said " I don't perceive any. '' I asked her to please answer yes, no or I don't know ( as I was short on time ) and she too then hung up the phone on me. I called back but got a message that the department was closed for the day. I want my {$65.00} returned, and this worthless HELOC closed. I spent about an hour dealing with this issue so I also want to get paid for my time. My rate is $ XXXX. That comes to a total of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX XXXX experian; XXXX XXXX XXXX XXXX  2222023 experian; XXXX XXXX XXXX XXXX  experian; XXXX XXXX XXXX experian; XXXX XXXX XXXX  experian; XXXX XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX 2212023 experian; XXXX XXXX XXXX  experian

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 2023-11-28 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: IL

Complaint narrative:
XXXX XXXX Opened XXXX {$860.00} XXXX XXXX XXXX Opened XXXX {$900.00} XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXXXXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX  Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XXXX XXXX, XXXXXXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Closed on XX/XX/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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I placed an order with XXXX that was never delivered. I tried to dispute this online but that option was not available. I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. The credit card company is purposely making this impossible in the hopes that consumers will give up. 

The company has not responded to me. They refuse to speak to me by phone, other than to say a letter is coming. I have yet to receive any letter. I received an email from XXXX promising a response by email. That response has yet to come. In the meantime, they have brazenly flouted the requirements of the Fair Credit Billing Act. They continue to take action to collect the amount in dispute, imposing interest and requiring payment on the disputed amount. Since Barclay 's refuses to abide by its obligations, I ended up paying the amount in dispute to avoid further collections and interest. 

The company provided a response to Complaint XXXX by attaching a file ( XXXX, XXXX ), but that file is corrupt and can not be opened. That complaint was closed despite my concerns not being addressed and despite the Company 's noncompliance with the law.

In addition, my complaint is threefold and the Company 's response fails to address any of the issues raised. First, they have failed to assist, at all, in my billing dispute. On information and belief, they have failed to contact the merchant or investigate the claim at all. Second, they have implemented a customer complaint system specifically designed to discourage and thwart consumers in the exercise of their rights. Finally, they have brazenly flouted their duties under the Fair Credit Billing Act by failing to respond to my dispute despite promises to do so, and by continuing to attempt to collect the amount in dispute and charging interest on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey Im writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( 1 ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.

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 2023-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I sent a certified letter to Experian asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Experian on XX/XX/2023. On XX/XX/2023, I received a letter from Experian that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my XXXX report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Experian and a copy of their response for your review. 

After you review this information, please make sure Experian adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

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 explanation
Consumer complaint received 2023-11-28 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I was checking my credit score and send activity on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a complaint that you are reporting inaccurate information. I respectfully request to be provided proof of receiving a billing statement via mail 21 days before my bill was due. Per my records I have always paid these accounts on time and never paid late my rights have also been violated. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is not correctly 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Around mid XXXX XXXX XXXX XXXX XXXX email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/Citibank. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/Citibank. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested XXXX  to provide a copy of the original contract with Citibank showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with Citibank or any other creditor. I did receive ltr from company titled XXXX dtd XX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with Citibank.

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