vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
XXXX XXXX has changed their app security and is putting millions of customers at risk. There is a digital wallet on the app store that can easily be scammed now. The app permissions in app details has been removed and the only details regarding security come from the developer, which malicious app devs will lie about. This will lead to various scams. The supposed data safety is just whatever the app dev says and even the encryption is not verified, so anyone can lie and say they are storing in the best encryption while selling financial data hacked from the phone as we do not know permissions an app is using. Many malicious permissions can't even be disabled in settings, like run at startup and run in background. It is easy for XXXX to list these permissions as it is in the app manifest, and they obviously removed to try getting cautious users to download app with unnecessary permissions that may be malicious. 
Please force XXXX to add the permissions requested for an app to the app details in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My VA mortgage is handled by Freedom Mortgage. In XX/XX/XXXX my mortgage went into loss mitigation due to XXXX. In XXXX I made several payments to Freedom for XXXX and XXXX and my mortgage came out of mitigation after in XX/XX/XXXX. I made my XXXX payment on the XXXX of XXXX for XXXX but they never applied it to the correct month of XXXX. 
Instead Freedom applied the payment to principal. This cause my payment to be a month behind. I have written several times trying to get this rectified by I had no luck .I have had several request by managers but freedom refuses to move the payment to the proper month of XXXX to get the mortgage brought up to date. Freedom sent late payments to my credit record and it hurt my credit. I had nothing but lip service from Freedom mortgage and their staff has miss informed me about payment information telling me not to make payments because I had extra money in the old mortgage that had to be brought forward. This cause confusion with representatives from Freedom. 
I asked they move the money that was paid for XXXX so the account is brought up to date. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2022, I used the Capital one mobile app to find an ATM near me. The ATM at the branch near my house closed during the pandemic. I had thought the point of the XXXX network is they closed a bunch of branches and ATMs but could use these ones not owned by CapitalOne instead. That is what their materials had led me to believe. 
On the app, XXXX at XXXX XXXX XXXX XXXX VA came up with a symbol for Capital One 360. It says under Services : Get Cash. There is no indication of a fee. 
I had assumed since it is on the Capital One app as an ATM, that I could perform the listed service ( get cash ) with no fee. 
This practice misled me and is likely to mislead other customers. I am certain other customers have been surprised to find ATM fees after finding an ATM on the Capital One app. 
I believe I acted reasonably in relying on the ATM locator on Capital One 's own app. 
It is material because it affected my behavior. The entire reason I went on the app was to find a fee free ATM. Otherwise, I could have just stopped at any ATM at a bank or elsewhere along my travels. If I had known there was a fee, I would have gone elsewhere to find XXXX without a fee. 
In this case, I was injured in the amount of the ATM fee. I would have chosen differently but for Capital One 's deception. 
Once I discovered the fee, I called Capital One. They told me I have to use the web site to find fee free ATMs. They provided no explanation why they list on their app ATMs that charge a fee. 
I asked to have a courtesy adjustment of {$3.00}, but the representative said he could not do it. He transferred me to XXXX on the management team. I explained that I was asking for the adjustment due to Capital One 's misleading practice, but he was unconcerned with the deception and refused the adjustment despite my being a customer who tries to follow the rules for almost 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. states i have the right to privacy.

15 USC 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: MI

Complaint narrative:
The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX  account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. states i have the right to privacy.

15 USC 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: CA

Complaint narrative:
Company continues to send threatening collection letters after I disputed the debt in written form which they received and provided written documentation that the hospital and medical center forgave the debt under a charity case. I have attached the documentation for your reviewing including the letter of forgiveness. I have advised the creditor this debt is disputed, contingent, and invalid and they still continue to pursue. Please investigate this collection agency for violation of the fair debtors collection practices act and fine accordingly. In addition to this complaint I have turned the documentation over to a consumer advocate attorney for review and possible suit for collection act violations. 

Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The edd unemployment paid me {$8000.00} on a bank of America pre paid card..i received the card and was able to get only {$1500.00} off my pre paid card as i went to XXXX for XXXX months and when i got out my card was " closed '' this was sopposedly due to I'd verification..so i called the edd unemployment and submitted my documents proving who i am numerous times and went thru I'd me also. I received a w-2 1099 form for the {$8000.00} and had to even claim it on my taxes even though the boa has my money still even after proving whom i am. They just keep giving me the runaround about that the edd has to tell them to open my card or give me my money from claims dept. The edd says they can't freeze a debit card with boa and they aren't the bank. I was paid this money. Because i was qualified for unemployment and only need to prove who i am. I gave my state I'd i gave birth certificate my phone bill..i even passed I'd me with it's as i got my stimulus immediately after i went through I'd me.whom edd also uses to verify identity. They tell me they have nothing to do with idme which is a lie. It's been over a year fighting for my money that i desperately need. If i paid taxes and to have the documents from edd bring paid and received a 1099 income tax stub that i had to claim on my. Taxes why don't i have the money? Why should i have to pay tax on money i never got? And they will not give me my money. 
Edd told me that they could never ever take that money back from me..as i did not do any fraud. It was only I'd verify and o complete numerous times. They have to by law give me my money. Why can't i go into a boa bank in peon and show my I'd and get my money? Why do i have to wait when it's legally my money i paid taxes on? Should i call the police? They have caused me such hardship they are stealing from peopleXXXX had a XXXX logo on the card.dont onhabebprotectin from visa about them? Most states do not any longer use boa as the bank to pay the people because of their theicery fraud activity. They use a way XXXX. Thru another bank. Please help me i have all documentation you need. God. Bless please hurry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from Citizens on my Mortgage and any and all late or missed payments are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. XXXX is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of XXXX closed and all workers were force to work from home. I called and wrote to Citizens about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXX, died of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to Citizen 's was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I starting to receive numerous robocalls about a month ago on our home phone with caller ID showing Navient from an entity claiming to be a XXXX XXXX agency for Navient saying we owe on a student loan. 

They call XXXX or XXXX times a day between XXXX and XXXX pm. 

We have never taken out a student loan and our credit history is clean. 

I have picked up the call several times but only get a recording telling me to call back XXXX. I have NOT called this number. 

How can I get them to stop harassing me? 



Sent from my 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 2022-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Tried to make payment on XX/XX/22 for balance due on XX/XX/22. Was unable to access the payment website and Comenity had a System Outage error message on its site. Tried again on XX/XX/22 with the same result. On XX/XX/22 ( when the technical problems were supposed to be fixed ), I tried the payment site and received the same error message. I went to the XXXX XXXX site as directed by Comenity and received an error message when I attempted to log in to my account. Finally XXXX  Comenity/Bread financial to see if others were having similar issues. Phone numbers provided by Comenity were also not working. 
As a former banker, the total lack of communication is appalling. I just want to pay my balance off and cancel my card. The companys egregious behavior should be acknowledged, and it should also waive interest expense and/or any late fees incurred as a result. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX I sent a letter regarding unauthorized inquires on my credit report, to this day I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. This should be taken into a serious matter. Since they do not have my authorization nor verbal, I ask that you DELETE these unauthorized inquired from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to section 604 of the Fair Credit Reporting Act permissible purposes of consumer reports 15 U.S code b 1681b in general. I demand that you delete these inquires/ accounts immediately or I will file for LITIGATION due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands of the wrong breach.

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 2022-07-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX ASST # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX OF 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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:
I have attempted to fix my credit reporting regarding my student loan with Equifax Credit Reporting XXXX  times and the information is still not corrected. They continue to show my student loan with an original balance of {$37000.00} with a negative credit limit of {$21000.00}. This is incorrect information. I have XXXX consolidated loans ( XXXX ) {$36.00}, XXXX and ( XXXX ) {$21000.00} with a total balance of {$57000.00}. My student loan was in forbearance for much of the COVID19 pandemic and my student loan is in good standing. Equifax continues to show the credit as poor and that I owe a high negative balance. I am tried to use the dispute on Equifax XXXX times and they have failed to correct the information. I seek assistance from CFPB to help with this issue and to hold the credit reporting agency to make the corrections so that information is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as Absolute Resolutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OK

Complaint narrative:
wireless phone bill from XXXX XXXX 
I have no idea the date service started or stop.. 
elderly tech abuse by tech companies is and was a issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief