vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: CA

Complaint narrative:
I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX and when I attempt too contact XXXX XXXX or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.

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 2023-03-31 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: ERC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, ENHANCED RECOVERY CO L 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I called Salliemae and spoke with XXXX regarding my student loans. I explained my needs and Salliemae refused to work with me. I offered to pay {$250.00} this day, but they refused this payment and wanted my account balance up front. I tried their repayment option to lower my monthly payment, but they refused to acknowledge extra income that would have made me eligible. They withheld any other helpful options. 

On XX/XX/XXXX, I called Salliemae and spoke with a man. Name unknown. I requested my promissory notes for my loans. He said to keep an eye on my email for the next 24-48 hours. No documentation was received. 

On XX/XX/XXXX, I called Salliemae again. I did not receive emailed promissory notes as requested. I called to confirm my request was made. I spoke with XXXX XXXX who told me the promissory notes would take 5-7 business by mail. Again, no documentation was received. 

On XX/XX/XXXX, I called Salliemae again. The 5-7 business days had passed and I received none of the requested documentation for my loans. I spoke with XXXX XXXX and explained this. I asked why I didn't receive my promissory notes, and he said that it " isn't a big deal '', that I " should take accountability '', and just pay what's due. I requested documentation again. None was provided at all to prove my loans even exist. I believe Salliemae has lost my original loan documentation, promissory notes, and paperwork to prove my loans exist. They have engaged in threatening behavior and harassment to get payment for which they refuse to prove. They refuse to work with me at all. 

On XX/XX/XXXX, I had a certified letter with a tracker mailed to Salliemae. The letter was scheduled for delivery on XX/XX/XXXX. I stated multiple times over the phone and in this certified letter that I would not be paying anything until they give me requested documentation. I requested multiple times that this not be sent to credit bureaus and to collections until they can prove the loans and give me paperwork. They have refused my requests over and over. This is damaging my credit score significantly due to their unethical practices. 

On XX/XX/XXXX, I went on the Salliemae app on my phone. The app showed there are NO loans origination documents for my student loans. 

The week of XX/XX/XXXX, I disputed Salliemae loans on my credit reports through XXXX, XXXX, and XXXX. I am happy to comply with this dispute, and to have this inaccuracy and unethical behaviors investigated. I can supply supportive documents upon request. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I deposited {$2000.00} in XXXX at my local Chase ATM. The ATM froze and gave an error message and prompted me to call the number to ensure my deposit was processed. I called immediately while in the parking lot. The deposit never occurred so I opened a dispute with Chase for {$2000.00}. They gave me a temporary credit. After investigation, they reversed {$880.00} from my account which ultimately tells me the ATM only received {$1100.00}. I am missing {$880.00}. I am a XXXX XXXX with high loans and I am devastated that Chase would do this to me. Every dollar counts. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello, I am writing to inform you of interest and fee scams as it applies to payments to Chase Bank 's purchases on an account where they has also be a promotional balance transfer. 

I transferred {$5000.00} to my credit card for a flat fee of {$250.00} and then a 0 % APR for 12 months. Chase Bank has decided to apply my payments 1st to my balance transfer amount and then to my purchases so that in 2 months I have paid off almost half of my balance transfer and therefor owe interest on my purchases. They will not allow me to apply my payments to my purchases 1st and then my balance transfer which means I will always owe interest.

This is what big banks do to scam the average American! At least with my XXXX account they will apply my payments as I see fit. Please stop the big banks from scamming average Americans! 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was a member of the Wells Fargo bank in XXXX ms about 8 months ago and todays date is XX/XX/XXXX at XXXX I think it was around this time when I first got the memo from them Ill enclose my case number later on in this reference anyway I had both a checking and a savings account at Wells Fargo in XXXX ms its located on the XXXXXXXX XXXX XXXX XXXX XXXX  Ive never received any funds in either accounts that wasnt from social security and this money was for my children I have two disabled children a legal from the XXXX had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the funds from ny checking account yo my savings account that morning bc they was hitting me with all those overdraft fees so thru say the reason the XXXX was able to garnish those funds was bc they werent protected funds once I moved them from my checking to my savings account and the balance hadn't changed one social security sent them thus is my banking establishment that knew I was getting funds in those accounts for my children from social security no other money nothing for myself I had an order on me from XXXX not my children so I contacted them then I contacted the department of revenue then I filed a claim through XXXX XXXX and then they set me up with ghe XXXX  by way of the XXXX I didnt understand much going forward however they said the case had been closed and I should file in small claims court and Wells Fargo has closed my account I just found. that out XX/XX/XXXX Im giving you the case number Case Number : XXXX now if you need anything else after that please contact me via email thank you in advance 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 2023-03-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My bank closed my account due to a check being deposited into my account I didnt know at that time was fraudulent. I still have a balance in my account but theyre refusing to send it to me because theyre saying I need to come into a branch with my ID in order to get MY MONEY. At the time of this issue, I was living in New Jersey within 50 miles of a branch. Only thing that was stopping from going there at the was the fact that I was waiting for my ID to come in the mail because the one I had was expired. Now, I no longer live in New Jersey or within 50 miles and theyre still refusing to send me MY MONEY even tho they said they would if I didnt live within 50 miles of a branch. And the last person I spoke to told me to stop at branch when I travel. Not knowing I moved due the hardship I was facing. Not because I wanted to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
CFPB Case # XXXX XXXX This is to inform CFPB that capital one bank has refused to remove the {$1600.00} fraudulent charge by XXXX from my closed account : and has reported it to the credit bureau and collections. Thus, Capital one bank has brought down my credit score from " Excellent '' to " Fair ''. Consequently, I am forced to make payment arrangement with capital one bank to pay the debt, and then sue XXXX to recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
There is currently an opened debt collection account on my credit report. I submitted a complaint on XX/XX/2022 in regards to this debt which was under XXXX XXXXXXXX XXXX for XXXX XXXX, amount of {$320.00}. I do not know who this company is, someone stole my identity to open this account. I see this debt was removed however, now it has appeared back onto my credit report under CREDENCE RESOURCE in the amount of {$340.00} ; original creator is XXXX XXXX, report indicates opened as of XX/XX/2022 ( the previous debt for XXXX XXXX was opened on XX/XX/2022. 
Please assist in removing this account permanently as this account does not belong to me. Also, I see someone is using all my personal information at an address XXXX XXXX XXXX XXXX XXXX, KS XXXX. I have never lived in any other state, only XXXX ; born and raised here, never moved out of XXXX, I have no association outside of XXXX. I have also received a fake STATE CONTROLLER piece of mail indicating I am owed some funds from an employer ( unclaimed property ) this is false. I have attached the letter and the envelope I received. Please see the address at the bottom of the letter which indicates the XXXX, KS address. Again, someone is using my personal information to open accounts and trying to steal money. I never responded to this STATE CONTROLLER letter. I have also attached another copy of the XXXX XXXX debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, submitted a dispute for a payment to a merchant who provided services that were not as described. Several months later, on XX/XX/XXXX, I received correspondence from Citibank ( card issuer ), that my dispute and the provisional credit had been reversed based on information from merchant. Information from merchant was provided to me, which included photos of an unknown person, and an email between the merchant 's corporate office and the physical store location. I provided a rebuttal to merchant 's response to Citibank ( card issuer ) on XX/XX/XXXX. Shortly thereafter on XX/XX/XXXX, I received a letter stating the claim was closed in merchant 's favor, despite my rebuttal including the requested information. Card issuer 's letter of XX/XX/XXXX, is continuing to claim that the information requested was not provided, including a proof of return, for which non exist, because payment was for a service, not a product.

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 2023-03-31 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 reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 consumer 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 2023-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
SALLIE MAE CLAIMS I AM A CO SIGNER FOR A PRIVATE STUDENT LOAN OPENED IN 2013. THE ACTUAL BORROWER NAME IS XXXX XXXX WHO IS MY EX GIRLFRIEND 'S DAUGHTER. THIS COMPANY HAS REPORTED THIS DEBT ON MY CREDIT BUREAU AS A CHARGEOFF. THEY ALSO ARE CONSTANTLY SENDING ME LETTERS AND EMAILS. I NEVER SIGNED ANY PAPERWORK COSIGNING FOR THIS PRIVATE STUDENT LOAN. I HAVE DISPUTED THIS THRU MY CREIT BUREAU AND ALSO HAVE SENT THEM A FAX IN WIRITNG ASKING FOR VERIFICATION OF THIS DEBT SHOWING MY SIGNATURE ON A CONTRACT AND TO STOP CONTACTING ME. TO NO AVAIL THEY HAVE DONE NEITHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On XX/XX/2023 I have closed on XXXX XXXX XXXX, XXXX, MA XXXX taking a mortgage from Rocket Mortgage. 
On XX/XX/2023 I have locked the loan. That rate lock had LLPA hit XXXX XXXX for DTI > 40 %. 
On XX/XX/2023 I have learned that FHFA has delayed that charge until XX/XX/2023, so the Rocket mortgage announced that XXXX fee will be removed. 
On XX/XX/2023 Rocket mortgage has posted the Closing Disclosure for the closing date XX/XX/2023 without removing LLPA hit XXXX On XX/XX/2023 I have asked to update the Closing Disclosure to remove XXXX fee. 
On XX/XX/2023 I have received the answer : To close As Is with the XXXX hit or the loan has to be removed from the closing to get wire adjusted, which would result in the closing being moved back a day or two. Since removing from the closing wasnt the option for me I would be in the position for breaching XXXX & XXXX contract and default I asked to be reimbursed after the closing. 
I was told that Rocket Mortgage will not reimburse me after the closing. 
On the closing date XX/XX/2023 Rocket Mortgage posted an updated rate lock which is still indicating XXXX hit for DTI > 40 % after the official removal letter. 


Im asking you to help me to get XXXX pts = XXXX x 0.375 % = {$2100.00} which Rocket Mortgage had Charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I'm trying to transfer my assets out of Robinhood because Robinhood is defrauding me. Robinhood declined the ACAT transfer because they indicated a margin call would have been incurred. Their app indicates that it is false. ( However it may be true because they are defrauding me partially by showing me false information regarding margin level within the app, as I have indicated in my previous complaints.

Robinhood is holding my assets hostage in their fraudulent platform... Likely because a transfer will expose their fraudulent accounting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
Velocity Investments LLC contacting me about owing a debt to XXXX and I requested a debt validation letter via the mail on XX/XX/2021. I did not receive it and have been receiving calls about it instead. I have the Certified Mail Receipt verifying that I sent it to Velocity Investments. 

They sold it off to XXXX, XXXX XXXX XXXX, XXXX so they could get around this. I requested another debt validation letter but I feel I am entitled to be responded to in a timely matter, so I could make arrangements for payment if I received the letter of validation.

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 2023-03-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was notified by Bank of America that there were fraudulent charges on my account. I notified them that nine charges were not mine. They are now dragging their feet and will not discharge {$1400.00} charges that I did not authorize. I met with a banker on XX/XX/XXXX  and I will meed again with the banker today XX/XX/. Their accounting seems suspect because some fraudulent charges were removed and then added back to the charges. They will not clear my account.

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