vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called to cancel my BJ Mastercard. I did not use the card and I decided not to renew the membership. On XX/XX/XXXX I received the monthly bill showing that the membership was canceled but a fee of {$29.00}. was added for nonpayment. This fee was added on XX/XX/XXXX making this charge locked in. On XX/XX/XXXX when the statement came the {$29.00}. remains and {$31.00}. is added for a total of {$60.00}. I called to refute these charges. The statement does reflect that the membership and card are canceled but late fees and charges will continue to be added. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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:
XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX XXXX supervisor at XXXX  has violated my rights. And receptionist XXXX was very unprofessional and rude. 
Also XXXX and Experian were all the same but XXXX was the most inhumane and disgusting experience I've ever experienced after speaking with all of them I didn't feel like I had any rights as a American. I let them know if any account not associated to XXXX XXXX XXXX XXXX XXXX, FL XXXX is not mine but they were all rude and disgusting and violated these specific rights below. This is un acceptable and I demand different all accounts not associated to my lifetime address to date To immediately remove all addresses and accounts not associated to XXXX XXXX XXXX XXXX XXXX to address XXXX XXXX XXXX XXXX XXXX, FL XXXX 15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consu
mer reporting agency can not furnish a account without my written consent. 

XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is not my account never applied or consent for this to be open it is open by fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I have two issues : 1st complaint I refinanced my mortgage last year to lower my payment. It cost me thousands of dollars to complete the refinance ( I was aware of this ). Then a couple months after the refi closed, my payment went right back up to where it started. They blame it on escrow being undercalculated. I believe this is done intentionally to get people to pay thousands of dollars in fees and points, then knowingly lower escrow amount to make it look like your payment will go down when in reality it will go back to where it started. Basically, my principle went up about {$10000.00} and a couple months later my payment was back to where it started. 


2nd complaint I recently sold the house ( closed XX/XX/XXXX ) Somehow, after the payoff statement was requested my principle went up {$1500.00} from the prior statement. 

I have spoken to Rocket Mortgage and I can not get a straight answer on either one of these issues. The last person I spoke to would only tell me " that's how it works ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear MACYS/CITIBANK, N.A. ( XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/2019 ; XX/XX/2019 ; XXXX XXXX XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I charged {$900.00} on my Southwest/ Chase bank credit card XXXX XXXX for a purchase on a trip with XXXX XXXX XXXX XXXX. The trip was changed 3 times, and then canceled. I asked for a refund. After fighting with XXXX for months, they agreed to it. On XXXX XXXX or XXXX, XXXX, I called SWA/Chase customer service to see why the {$900.00} credit was not yet on my account. They said, yes, they saw the refund by XXXX for {$900.00}, and '' it would be back on my card today ''. However, when I called back today, XXXX XXXX, I was told that I wasn't going to get it " because the case was closed ''. They originally said XXXX got 2 MONTHS to respond to my claim, so they initially put a {$900.00} credit on my card. XXXX responded after 3 or 4 months, disputing my claim with absolutely no proof on their part, and Chase put the {$900.00} back on my card. I have been trying to get it back ever since, and was happy last week when they finally said I got it. Then, today when I called, they were back to stonewalling me, with NO explanation, saying once again " the case was closed ''. I had sent them proof of XXXX 's culpability in canceling the trip, but Chase refused to consider it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: GA

Complaint narrative:
My sister is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. She XXXX  XXXX  on XX/XX/XXXX, XXXX She was a customer of Direct Express , a subsidiary of Comerica Bank XXXX XXXX XXXX. I have been in touch with Direct Express and they have mailed paperwork for me to retrieve funds left in the account. I am next of kin. She had no children, so there would be no other claims that would be filed. Her mother is XXXX XXXX XXXX. I have been with her the past 12 years as she can no longer live alone. I am the executor of her estate as stated in her will and I handle all the business of our home. My name is on all pertinent documents concerning her health and finances. 

I have received and returned three sets of documents properly completed and executed and need to find out why Direct Express is choosing not to process my request. As the regulating agency I want the CFPB to find out why. Direct Express is not letting me know what is. wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
Company calls everyday nonstop and does not talk when phone is answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have had both the original creditor, XXXX XXXX  XXXX XXXX XXXX, and now a medical debt collection agency, HRRG, contact me regarding debt owed on a medical procedure from XX/XX/2021. I have reached out to my health insurance, XXXX XXXX XXXX XXXX XXXX Illinois, which states that they were billed, and I should owe nothing. The amount owed was written off under contract with my insurance company, and I shouldn't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
DEAR COMENITY BANK/LNBRYANT ( XXXX XXXX XXXX XXXX, OH XXXX ; ) I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX OF 2020 FOR 60 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a Visa with Citizen Bank My statement for XX/XX/2023 balance was {$710.00} I paid in full on XX/XX/2023, at branch location. I received a statement for XX/XX/2023 with summary activity payment of {$710.00} no charged but {$7.00} interest charged {$7.00}. I called and was told because I didn't pay in 5 month the balance time frame I received. I this fee. I said I never been late and was paying {$500.00} for three months because of the interest was high so interest on XXXX is {$7.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has lowered the credit limit of both of my cards to the current balance on the cards and are charging over {$100.00} a month in interest. They are trying to say reasons that are not fair or true. This is lowering my score and my DTIR. They are telling me the only way they can offer to fix it is to hard pull my credit report and that they can not offer any other options. They told me they could not offer to send me the information about the reconciliation program in writing either, and I could accept it or deal with the lowered credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist bank sent me a checking account promotion with up to {$400.00} bonus. 

I am interested and applied online, the application was declined without an explanation. 
I have perfect credit score, I have a job, and own a home. So I went to the branch to open the account, they rejected me 5 times at the branch, 1st time : I was rejected because I didnt bring in XXXX card. 
2nd time : I was rejected because I didnt bring my passport 3rd time : I was asked to come back next day, because it was XXXX, they dont have time. 
4th time : I was rejected because I didnt bring in the promotion letter, which has the code 5th time : I was rejected because although I have drivers license, XXXX card, and passport, but my name is different from the name on the letter, even though the address is the same, even after I told them the name was wrong, nobody live in that address has that name. 

I think Truist bank sent me a deceptive promotion, they dont have any intention to follow through the offer for me, even after I exhausted everything I can do. I also suspect they discriminate me on race and country of origin. All 4 trips I went to their branch, they were cold and unfriendly. The experience is humiliating, the banker met me on XXXX XXXX disrespect me. 

The branch location is, XXXX XXXX XXXX XXXX, XXXX, AL 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 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX. Original creditor. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15. U.S.C 1681c ( a ) ( 5 ). Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. 15. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been trying to buy my new car and my new house but I realize I have damage on my credit reports, According to U.S.C 1681 Law there should not be any damages on my credit reports.

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 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
When I was illegally foreclosed and evicted from my home on the hill ( XXXX XXXX XXXX, XXXX XXXX XXXX ) in XXXX the tale of the story of my first complaint ( and currently being reviewed ) is only half the story. 

I was a XXXX XXXX XXXX ( 3 states ) and operated my XXXX ( since established in XXXX ) out of my home on the hill... the illegal foreclosure and eviction caused a major disruption to my practice where we lost ( phone, internet, mailing ) and all contact with my clients of over 40 years..I struggled to reestablish some contact but my files were in storage along with most of my equipment and field supplies... I eventually gave up trying to salvage my XXXX  which could have been sold but was then worthless. 
It is now time foo Wells Fargo to make amends. As I said in the original complaint I received at settlement payment of {$6000.00} ( the maximum for the worst abuses ) in XXXX which I tore up and mailed back the pieces with quote from the movie XXXX XXXX XXXXXXXX, " What we have here is a failure to communicate! '' So that's my story and it's a true. 

I am that I am .... 

Thanks, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-14 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: NJ

Complaint narrative:
Acounts open since 2015 macys XXXX XXXX XXXX XXXX car insuranse my XXXX report show me all this debts

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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a call back to the number that was forwarded to me with a request to contact a Bank Representative back. I reach out to JP Morgan and Chase bank, who told me that I had outstanding Loans and fees and borrowed unsecured and secured moneys that needed collections. I stated I was the Real XXXX XXXX XXXX XXXX SSN XXXX and I had never mad any account or authorized any payment at any bank because I had been falsely imprisoned at the time the accounts were made. 
in XXXX - from XXXX till XXXX, from XXXX till XXXX then I was Released and have only opened a XXXX account for the purpose of cashing a payroll check XXXX time locally in XXXX Texas. the claimed i have outstanding loans, and Payday loans, and borrowed money that hasn't been payed, and I'm responsible. But I am under Identity Theft as my ssn and identity cards were stolen from the mail box of my mailing address and other people in the city of XXXX has used my identity for yeweh cult style living, and procuring property and businesses, and buying businesses. It wasn't me who did these things, someone whom looks like me. please help. email used was XXXX XXXX XXXX

Company response to consumer: Closed with explanation