vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX I came to a park to run, I left my wallet in my car and left the car for my run. When I came back I saw that the glass window in my car was broken and the wallet stolen. There were my id, debit card, credit card, some cash, and other stuff in the wallet. When I tried to realize what happened I received messages from my bank XXXX Bank of America ) that they detected unusual transactions on my cards. I didn't approve those transactions because they were fraud and logged in to my bank account to block my current cards and order new ones. It seems that I did everything what I could do to stop fraud. But one of the transactions on my credit card ( {$400.00} ) still left in process though I didn't approve it. During two seeks I made a few calls to the bank to make sure that they work on my case and return my money to the credit card. Finally, XX/XX/XXXX I received message in my bank account that my dispute was rejected. I called to the bank to know the reason and they told me because they connected to the merchant and the merchant ( it was XXXX ) confirmed that I received all the service on that amount. But I didn't receive anything, it was somebody who stole the card. I tried to explain that I didn't authorize that transaction and also asked the bank how it is possible that somebody could make a purchase on such serious sum of money using just card without additional verification ( like PIN ). They rejected my arguments and closed the case. 
My two major points : 1 ) I followed all steps bank requests in fraud situations ( I rejected not authorized payments and blocked my card ) ; 2 ) how bank allows to make purchases, especially on such quite big amount of money, just using a card without additional verification, it's absolutely unsafe. 
Please, help me with the situation and guide me what to do further. I hope I have some chances to get my money back because it's absolutely unfair. I am sure that what happened ( stolen cards ) is what can happen ; it's not something unusual unfortunately. I think bank should be prepaid for such situations and ensure that all unauthorized payments won't proceed without card holder awareness. The bank didn't apply any tools to keep my money safe. 

Thank you, 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 monetary relief
Consumer complaint received 2023-12-03 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: FL

Complaint narrative:
bank XXXX XXXX XXXX jpmcb card XXXX jpmcb card 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 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 my identity was stolen and used to open a Sephora credit card account with Comenity Bank. The thief made over {$1000.00} in charges to my account. I opened fraud cases with XXXX and Comenity. After a weeks of investigation, both the credit bureau and Comenity found the account to be fraudulent. 

I last spoke with Comenitys fraud department in XX/XX/2023 and I was assured the account would be closed within 90 days. 90 days came and went but Comenity kept sending me credit card bills and calling to collect payment. I told them multiple times that the account was fraudulent and was supposed to have been closed. I was again assured that I did not need to worry about the bill and the account would be closed. 

A few days ago, I received a notice that the account had been sent to collections. They never closed the account and Comenity customer service would not provide a reason why it was never closed. Comenity now refuses to address this oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This is Bank of America 's Debt. 
Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by Bank of America. 
Within the next two months I reported the fraudulent charges to Bank of America, I was told that they would investigate it and advise me to close the credit card account. 
I closed the account in XX/XX/2012. 
The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. 
Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. 
I filed several disputes to no resolution. 
All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. 
I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.

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 2023-12-03 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: CA

Complaint narrative:
Received account alert : " We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/XXXX. The months from XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. '' I also received a letter stating that I was put on Administrative Forbearance until XX/XX/XXXX and no payment would be due. 
I happened to log in to my Mohela account today and my loans are back in repayment and I have a total due XX/XX/XXXX. I did not receive a bill or any notification that my loans were placed back into repayment despite being told no bill would be due until XX/XX/XXXX. If I hadn't logged in today I would have no reason to believe my loans were back in repayment since I have a letter that states otherwise. 
Also, I submitted my PSLF employer verification for a number of months and was told only one month qualifies which is completely incorrect. 
I will attempt to contact Mohela when they're open but I have already tried contacting them previously and waited hours on hold before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My mortgage was sold to RoundPoint this summer. After the transfer, on my mortgage account online I noticed the property tax information looked incorrect ( incorrect bill amount due ).

I sent two emails to RoundPoint per their online instructions to fix these minor tax issues on XX/XX/XXXX and XX/XX/XXXX, with the correct 2023 bill amount due and if they required me to send them a copy of the bill. I never heard back from RoundPoint at all. I also filled out their contact form on two other occasions. Never heard back from anyone. 

Now when I look at my online account the property tax information is completely missing. Before it was there ( parcel number, due date, amount due, etc. ). Now everything is completely missing regarding property tax. This is not the issue with hazard insurance. So when I see this, I have zero confidence that my property tax is even recognized by RoundPoint. It's missing from their database. 

Now my property tax is within 30 days of the XX/XX/XXXX due date. I have the money sitting there in my escrow account that I paid to RoundPoint. It's my money, they are receiving interest on, and it's not being used to pay my property tax bill. 

I can not contact anyone at RoundPoint to pay my tax bill. I WILL NOT have my name on the county delinquent tax list. I pride myself in having great credit and paying all my financial bills on time. I will not not have RoundPoint ruin my perfect record because of their company incompetence.

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 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/23, I was informed of a hard inquiry to my XXXX credit report by JPMCB. The following day, I received an adverse action letter stating that an application in my name had been declined. I called to report the application as fraudulent. They closed the application and stated that they would contact the credit bureaus to have the inquiry removed. There was another fraudulent application made in my name to JPMCB on XX/XX/23, however it was blocked by the freeze I placed with all 3 bureaus. I called to confirm they had contacted the bureaus to have the inquiry removed. The first representative stated that they did so at the time I reported the fraudulent application. I contacted XXXX to confirm, and they stated they had not received any notification from JPMCB. XXXX agreed to send me materials so I could dispute the inquiry myself. I called JPMCB back, and another representative stated that while their investigation definitively determined the application was fraudulent, it would be 30-90 days before they submitted documentation to the credit bureaus to remove the inquiry. They mentioned something about there needing to be subsequent fraudulent applications before they would contact the bureaus to remove the inquiry from XX/XX/23. They refused to provide me a letter stating the application was fraudulent, and that I would need to make a FACT Act request for the entire application in order to have the fraud documented in writing. They stated they would respond to the request in 1-2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: AZ

Complaint narrative:
Please remove this account as soon as possible!

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to Experian. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on Experian report. I contacted XXXX in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX XXXX would send a reversal of late payments for multiple months and Experian report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. XXXX  has never sent investigation of unauthorized use and the XXXX XXXX was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My Experian report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want XXXX XXXX updated to reverse all charge off and lates as promised and Experian to investigate properly. I filed a XXXX complaint against Experian as well for reporting inaccurate and erroneous information.

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 2023-12-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! This is my credit and my life that is being sabotaged! I DO NOT OWE XXXX XXXX A DIME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: GA

Complaint narrative:
I applied for the unison program and was approved. The program is misleading, and the rep provided inaccurate information, added additional funds at the closing of the loan, and increased the share percentage without approval. 

Additionally, I was told I needed to pay off the loan and send a separate check provided by Unison to XXXX XXXX and if I did this, I will be able to refi. Unison has the cancelled check from XXXX. 

When I sent in a request to Unison for the paperwork needed for a rate term refi in 2021, I was told my loan balance was above the required limit for refinance and denied. Additionally, I was the only borrower on the application require to review the terms of the program, Unison says the have an educational document I signed, however the title in in both mine and my wife name. Unison did not provide any information or educational information to the other owner of the property and would not agree to any terms. 

I am requesting Unison to cancel the program and release me and my wife for the contract. Im attaching the emails and sending the same request to the FTC, DOJ, SEC and CFPB for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX # XXXX has been reporting negative on my profile since XXXX XXXX XXXX # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing fraudulent accounts from identity theft. I filed all the correct paperwork according to the FCRA. My disputes are not being filed correctly and the paperwork is not being attached to the disputes. And I am not getting the copies of the verification process that I am requesting.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONXXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account 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 2023-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Commerce Home Mortgage, Inc
State: TX

Complaint narrative:
Our mortgage servicer, Change Home Mortgage, has set aside far too much in escrow for our taxes ( {$22000.00} over actual taxes owed ). We called them at the beginning of XXXX and they told us they would correct the tax amount within two weeks. We have sent the tax letter through their portal 4 weeks ago and again 2 weeks ago. Now nobody is responding at the company - calls are simply ignored, and the email service tells us to call the customer service line ( which we do to no avail ). We have tried contacting the company dozens of times over the prior 4 weeks, and they continue to require us to pay mortgage payments consisting of ~ {$1200.00} in excess of our taxes owed on a monthly basis.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023 a collection from XXXX XXXX XXXX was added to my credit report. The collection is not mine and I never signed a leasing agreement claiming financial responsibility of the residence. No court documents were filed against me for the residence, whatsoever.

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