vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: IN

Complaint narrative:
In accordance to the federal credit act. Of 15 us 1681. These accounts were effected 1 XXXX XXXX  # XXXX 2 XXXX XXXX # XXXX. 3 XXXX XXXXXXXX XXXX # XXXX 4 XXXX  XXXX XXXX # XXXX 5 XXXX  XXXX # XXXX 6 XXXX XXXXXXXX # XXXX. 7 XXXX XXXX XXXX  # XXXX Please delete immediately

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 2022-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
On or about XXXX XXXX I started the process with Freedom Mortgage for a cash out loan. Over the course of the next two months I was directed to provide documents. After each request I complied within 48 hours with the only exception is the termite inspection ( {$470.00} ) and appraisal ( {$300.00} ). On XXXX XXXX I was told my account was rejected as incomplete even though it was recognized that all documents were submitted in time. I would like compensation for costs incurred during this process that ended by no fault of my own.

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
ACCOUNTS WERE OPENED IN MY NAME AND NEED TO BE UPDATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX XXXX XXXX  which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

Thanks

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 2022-04-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account 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 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 2022-04-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 2022-04-18 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: WA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The following accounts have violated my rights. 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 I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party. Permissible Purpose : 15 U.S. Code 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding deletion of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
There are numerous debts to my checking account with Chase that are unauthorized, spanning a period of approximately 60 days. All charges are listed as a POS transaction with XXXX. They total approximately {$1200.00}. I called Chase to immediately cancel or lock my debit card when I noticed these fraudulent transactions, and the customer service rep refused to do so, indicating my card was not likely compromised. I told her I did not care if that was her opinion, that for my own protection, I wanted a new card issued immediately. Again she refused to do so, stating that whoever had hacked my account would also have access to the new card number generated. She directed me to call XXXX instead and handle the problem with them. When I called XXXX, they were able to identify the transactions as fraudulent, and being associated with XXXX XXXX. They said they would reverse the charges but that it could take up to 30 days to receive a refund. I couldnt believe Chase would do nothing to secure my account with them. Additionally, they never once advised they have any requirement to refund the charges identified as fraudulent. The charges are sometimes up to 14 different transactions in one day. They vary in amounts From {$20.00} to a few hundred dollars each. Im astonished that Im left to do nothing but watch money fly out of my account and hope I didnt really need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor KIA MOTORS FINANCE and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
So Venmo took my money/ froze my account today. For no reason didnt receive an email which is my right and the law, if my money is going to be withheld! I never had issues before until recently. Its like when people are receiving money then they want to take it! 

I drove two hours yesterday with Barely no gas and no money, to do a friend a favor on XXXX by painting her kids face for a party. She gave me some money. And I transferred to my other account, but decided to keep it in my original Venmo account to use the debit card for gas to make it home today I go to use my card and its declined. So im like ok my card must be locked. Go to unlock and try again. DECLINED.. so I say ok let me transfer to my bank and use my bank debit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I never received any notification about this alleged debt from XXXX XXXX XXXX and was not provided with any documentation to validate it. I disputed this debt with Transunion and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from Transunion.

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 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I want to submit a formal complaint about Coinbase because the labels and warnings are misleading. I sent XXXX in the amount of XXXX ( {$550.00} ) on XXXX XXXX AM +UTC ) to a wallet address from XXXX to Coinbase on the XXXX XXXX ( very common for people to do this ). The company does not list the correct XXXX  network which is XXXX XXXX XXXX XXXX  before processing the transaction on the Coinbase app. The company customer service stated that Coinbase does not support this network for funds received to this brokerage over the specific XXXX XXXX. The funds are locked in a wallet with my money that the company will not release back to me. The company only states on the warning to not send a wrapped token to this account and not a token that is pegged to that token. These are slightly different in terms of what the definition of the two are. I sent this XXXX XXXX XXXX XXXX to the wallet address that Coinbase listed for me to send it to. I feel like what Coinbase says before receiving a token on a network is a misleading statement from the company and does not take due diligence for their customers who pay high brokerage fees to buy cryptocurrency on their brokerage service. With the Understanding of networks that Coinbase has with the years they have been involved in the business Coinbase should list the only network their company can receive crypto would be fair practice. Coinbase has the funds within their brokerage but refuses to allow me to hold the funds within my brokerage wallet because its not a supported coin transfer. The company has the capability to issue and convert the said coin into the correct currency on a fee basis that exchanges these transactions with other partner companies. The company refuses to exchange the currency and support it because the fees would pay their competitive business. Im conclusion the wallet on the brokerage that I sent the XXXX XXXX XXXX to should allow me to show my funds that Coinbase does not want to convert and allow me to move this coin on to a different wallet where I can pay a fee to convert this token if Coinbase does not want to pay fees to their competitive company. 

Only send XXXX  to this address is misleading because a XXXX token is the same as the actual token. The exchange is 1:1.

In the other picture I attached Coinbase does not mention the correct network specifically which to use to send XXXX to. Coinbase should list XXXX only on the label of the warning. This leaves people guessing because XXXX can be sent on many network platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC.
State: AZ

Complaint narrative:
I have been struggling to get caught up on my mortgage for about 2 years as a result of a divorce and now job loss. I lost my job at the end of XXXX of last year. This has gotten to the point where I am overwhelmed. I decided to reach out to Summit Funding to apply for a mortgage loan modification. I submitted the packet along with supporting documentation. 

I called and spoke to someone at Summit regarding a letter I received stating that I hadn't provided 30 days worth of pay stubs. I explained that I had just started working and I didnt have 30 days worth of stubs. The person I spoke to stated that I need simply send in a letter of explanation stating the reason for the lack of stubs. I submitted the LOE in plenty of time. I thought I'd call and check the status today and was told I'd been " disengaged '' for a lack of documentation. I explained what had happened as was told too bad so sad. 

Aside from them closing the application, they have a horrible system. Every time I call I have t start my story all over again. I can't tell you how many times I've heard " it looks like '' from a Summit employee. There is no single point of contact. I thought the whole point in creating such a system after XXXX  was so that a person familiar with the file would serve as my POC. They have also hit m with all sorts of fees. The best one was a bill for almost XXXX after they supposedly sent someone by to see if the place was still inhabited. No one ever came by and if they did, there is no way to tell from the street. It is a condo with zero visibility inside from the street! 

I need help. I couldn't even get a supervisor in a timely manner so I decided to initiate this complaint. I need help please!! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
accounts were open in my name, these are not mine!

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 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was closed by the creditor during financial hardship and the account went on collection. I had sent out a letter requesting the form1099-C when the company charged off the debt with the IRS. By law the company is required to provide this form for all debts over {$600.00}. I never received this document. 

The company had sent me settlements but due to the negative report on my credit. I requested that i want to pay the debt and wanted to get the negative report removed because it is hurting my credit report.

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 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Let me start with I have perfect credit. I pay my bills on time and have little to no credit card debt. So I want whoever is reading this to understand that I am not a disgruntled customer because of high credit card bills rather angry with a dishonest company utilizing sketchy practices to potentially harm their customers. 

I permanently opted out of all credit card offers several years ago. I dont want nor need them and I do not want their pre-filled checks out there in the mail. Last week - XX/XX/22 Chase reactivated all direct marketing activities on my account. I contacted them immediately informing them they were breaking the law due to this action. They indicated I had never opted out even though I have not received offers from them for years. I had opted via the FTC opt out process years ago for all credit offers and have not received any until this one last week. I then told the CSR they were creating risk in sending checks to me with my name and information on them as anyone could intercept and use these checks. She responded that was highly unlikely despite the envelope they arrived in being bigger than usual and containing multiple checks. After much back and forth the CSR agreed to restate my options and that I would not receive any further marketing communications. 

Today I came home to a letter from Chase informing me of the timeframes it would take to this which in some cases is three months - see attached. I called them just now reiterating that they were breaking the law as I had already opted out of this years ago and their marketing team had now opened this again for myself and I am sure many other Chase customers. And she refused to do anything to resolve this issue saying that because I just opted out last week they had the ability to follow this timeframe for the next 90 days. I told her I was calling the CFPB and that they were breaking the law but she stated there was nothing she could do. I told her I would inform the CFPB that they were refusing to fix this and that this probably has happened to any Chase customer who had previously opted out. She acknowledged my concerns and the call ended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I affirm that now I am invoking my creditor status as a Federally Protected Consumer in fact, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an hold on my account. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of fraud. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I cant access my funds ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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