vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).

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 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the enclosed documents. I would like the bureau to commence an investigation into these accounts, as I have never been late on them, yet they are being reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing battle to recover my identity and the credit bureaus refusal to remove inaccurate information from my credit report. Despite providing you with an identity theft report, and informing you about the Data breach with Equifax the incorrect items remain, severely impacting my ability to secure housing and obtain financing. 
I have made numerous attempts to address this issue through various channels, including filing a complaint with you the Consumer Financial Protection Bureau ( CFPB ), in the hopes of finding a resolution. However, the lack of action and assistance from the CFPB has led me to take the necessary steps towards pursuing help outside of the CFPB I have provided you with the appropriate documentation to support my claims. I expect that as a Protection Bureau, you adhere to the highest standards of accuracy and fair reporting from these credit bureaus. 
Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I look forward to a swift and satisfactory resolution to this situation and expect your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have three accounts with citibank, two checking and one savings account. Today I received a message stating that my online access to my account was locked and that I needed to call the fraud prevention line to unlock my account. When I called I was told all my accounts had been closed ( with my money in it ) did not not explain reason and that my money will be refunded in checks. I was due to pay rent today and now I do not have access to any of my funds. They will not explain, I have had my account with citibank since XXXX  no issue what so over. I have never been involved in any type of fraudulent behavior the source of funds for these accounts are direct payments from my employer. After I received no information or assistance from the fraud prevention team. I called the Citi Executive Response Unit spoke to Rep called XXXX and she opened a complaint for me REF # XXXX. I was due to pay rent today and I am not sure if the payment went through due to the unfair status of 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 explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MT

Complaint narrative:
Tried to use XXXX XXXX card twice at selected merchant. Both times the card failed. 
Contacted Blackhawk Network and requested a refund. Submitted all requested documents through email on XX/XX/2024. Case number : XXXX. Received no response. 
Reached back out to get a status update on XX/XX/2024 and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-01 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: MI

Complaint narrative:
Would you mind verifying the documents to ensure compliance with FCRA 605B, which necessitates the elimination of any inaccuracies from my credit report? It appears that some of the listed accounts are incorrect, and their presence is unsettling for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
I am missing a full year of qualifying payments from XXXX. I have tried to have this addressed several times and they will not fix the issue. I was not in forbearance during this time and they were able to verify that I was not in forbearance. 

I am very close to my having my loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I ordered kitchen cabinet doors, online, from a company called XXXX XXXX. I paid this company {$1700.00} in full upfront for the doors. I ordered 27 cabinet doors in specific sizes. The merchant sent me only 12 doors and not the sizes that I ordered. I called the merchant on several occasions, XX/XX/XXXX & XX/XX/XXXX. I spoke to a customer service representative who told me they would look into the matter and get back with me, no one ever called back, other times I would leave a voice mail message. On XX/XX/XXXX I sent a letter to merchant, see attached, explaining my dispute. I received no response. I asked that merchant have their shipper pick up the cabinet doors and either ship to me the correct order or refund my money, I received no response. 
I then filed a dispute with my credit card co., Capital One. I sent to them a fully completed dispute form. They asked for certain documents, I sent to them a copy of the original purchase order from merchant and a letter from myself detailing the merchandise that I did receive and explained how it differed from the merchandise that I ordered, see attached dated XX/XX/XXXX. I sent pictures to Capital One of my kitchen and pictures of the cabinet doors sent to me. Capital One refuses to issue a refund back to my card. The merchant has {$1700.00} of my money and I have a kitchen with no cabinet doors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Off lease only over charged for a down payment and I was told I would get the money back to use as assistance for a newer car and also refinance my current loan whenever I was able and ready and now they are out of business. And my current loan does not provide refinancing. This is fraudulent services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am enclosing the documents for your reference. I request that the bureau begins an investigation into these accounts, as they consistently show no late payments, contrary to the reported 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-01 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: TX

Complaint narrative:
The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello, We're filing this complaint with the hope that you will assist us in completing our Deed in Lieu / Cash for Keys request with PHH Mortgage. We've been working with them since XX/XX/XXXX on this matter and are continually redirected and asked for documentation irrelevant to our request. 

Our son, XXXX XXXX, is on the Deed of our home and has occupied the property for many years. Unfortunately, he had a marital issue that has brought him/us to this point and caused the property to be placed into active foreclosure. There was a sale date set for XX/XX/XXXX, but, when pressed on this matter, PHH put all foreclosure activity on hold and allegedly began the Deed in Lieu process with us. Since XX/XX/XXXX, we've been asked, repeatedly, to submit a full loan modification request application, and on numerous occasions, PHH has also claimed that there was an active modification application in process. We were also sent a letter, dated XX/XX/XXXX, claiming the application was withdrawn at the request of the account holder. Again, there was no formal request made on our behalf. As you can see from our most recent conversations, PHH is playing out a delay tactic to move to the inevitable- selling the property at auction. 

XXXX has found a job in PA and will be leaving Texas on XX/XX/XXXX. Given that we, XXXX XXXX and XXXX XXXX XXXX, reside in California, the property will be vacant after that. 

Will you please assist us in our effort to resolve this matter and finalize a deed and XXXX and cash for keys request? Your help is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXX, Act Number : XXXX, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely,

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 2024-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
I disputed the unknown account on my XXXX account. I indicated that I had no knowledge of this account. Also I asked if the company has a license and bond to collect a debt in the state of Illinois. 

XXXX completed the investigation in under 15 days and stated that the item was verified and meet FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing with regards per Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given CAPITAL ONE written, unwritten, verbal, and nonverbal authorization Per 15 USC 6802.

I kindly request that you acknowledge and respect my decision to opt out of any and all authorizations, as provided for by the FCRA. Please ensure that my decision is fully implemented and that any further communications or actions taken by CAPITAL ONE with regard to my authorizations are in line with my decision to opt out.

I expect that this request be processed in a timely manner and that all further actions by CAPITAL ONE adhere to my decision to opt out of any and all authorizations, as per my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my request has been actioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I made a request to Citizens Bank in late XX/XX/XXXX to have my Escrow account ( insurance & taxes ) removed from my mortgage account. And i paid the application fee for the removal of entire escrow account. However, i only saw my insurance account has been removed. I called the customer services 3 times since XX/XX/XXXX and this issue has not been resolved. And now they asked to pay another {$480.00} to remove the property tax from my Escrow account. The whole process is very confusing and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: RI

Complaint narrative:
This company violet my right reporting information errneos in my report I tried resolve this problem But this company say no problem With but today company pull my report and say my report is risk don't give my mortgage I need soon possible resolution this matter Because them say account no reported in my report but third parties still showing and danger my reputation U nder 15 U.S Code 1681i ( 5 ) ( B ) ( i i ) ( i i i ). This i t e m was deleted, and you reinserted them w i t h o ut notifying me 5 days a f t e r this account is in violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I had a phishing email using a bogus XXXX transaction. XXXX was notified and they told me to contact my credit card company Wells Fargo to report. The rep was totally rude, inexperienced and refused to help me. He threatened me and I asked for his name and he hung up. He then deactivated my account including checking, savings and credit card. He also changed my preferences to mail whereas I could not monitor my accounts for fraudulent transactions. He did this arbitrary action without permission and was a retribution to my calling him an XXXX. Ok to hang up but not ok to deactivate my account preventing me to access my money and my accounts. After 15 years I canceled all my Wells Fargo accounts. Please investigate and stop a vindictive employee from causing harm to another customer?

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