vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a statement from my credit card stating I had a charge to XXXX XXXX on XX/XX/XXXX, posing on XX/XX/XXXX for {$330.00}. I did not make the purchase, as the card has been locked away in my safe, and is not carried in over a year. I contacted the card and stated such. They opened a fraud claim, to which they denied due to the card having been used via XXXX. I stated I did not do so, as I have XXXX Maps on my phone track my locations, and it shows I did not go anywhere near the place of purchase. During first phone call, the agent said that a new card was mailed as the current card in my safe expired. I advised them that I never received the replacement card. The agent then informed me that the card was mailed out days prior to the charge in question. She suggested that the card was stolen and was in fact fraud. On the second call, I informed the agent of that conversation, and they stated their was no such record of that conversation, nor anything to the matter of the replacement card. Again this agent stated someone could have spoofed the chip and used my account. I faxed my location information as advised by the agent to prove that I was not at the merchant. She stated the claim was closed and would not be able to reopen, as i am responsible, however she would escalate pending my documents. After a short period, I saw another statement saying the temp credit was removed and I called a third time. They informed me that they will not rule in my favor since the Chip was used. I stated again that I did not go to the merchant, that I did not use the card. I asked if she received the fax I sent, and stated no. I asked to confirm the fax, to which was correct. I faxed again and mailed priority mailed a copy. I received a digital letter stating they are not ruling in my favor, and in retaliation they are reporting me to the credit companies regarding the claim, and my " dissatisfaction ''. I am super upset because I did not make the charge, and yet I am now responsible. I am including copies of the statements, of which are the only statements of this year, and no other statements from years prior, as I do not use the card. The letter stating they will not agree on the dispute, plus the report to the credit reporting companies, as well as printouts of my XXXX Maps history for the days before and after the charge.

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 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc.
State: FL

Complaint narrative:
I told company I did not have vehicle and my ex-wife has the vehicle in Texas somewhere and thst info was given to carmax and they still had sheriffs showing up at my house looking for vehicle which a couple times my garage had be lifted somehow with me being home which has to be a breach of my property and invading my home when Im not home. This has happened numerous of times. Also a towing truck company contacted me looking for vehicle and left courtesy cards on my door when I have explained thst that vehicle was not in my possession..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NM

Complaint narrative:
I have asked Experian, XXXX and XXXX XXXX to provide for me the documents with the original signatures and they have not.

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 2023-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Did not pay my XXXX insurance after car was totaled. Transferred my loan out Westlake after US Auto Sales went out of business and charges extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
After several attempts to pay the debt, the XXXX  card account was closed therefore i CANCELLED the XXXX payment. Every month they try to debit WITHOUT my authorization the balance owed. Surprisingly, yesterday my job deposited my paycheck and without authorization, they debited the amount for the balance owed. This transaction was not authorized, the recurring payment programmed for this account was cancelled months ago.

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 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I believe that Mr. Cooper is in violation of the Truth in Lending Act. I originally received a mortgage from XXXX XXXX XXXX Bank on XX/XX/2015. My mortgage was first sold to XXXX  then to Mr. Cooper. I have requested from Mr. Cooper for a full account, disclosure and Validation of Debt of my mortgage with them. I contacted them through writing. In turn, Mr. Cooper mailed me copy of my mortgage, and a few printing pages of payments made, escrow and insurance and documents when they took over the loan but not a full account or disclosure per my request. 
I hired an expert XXXX XXXX XXXX, a Mortgage XXXX XXXX. From his report, there appears to be fraud because they are unable to provide the unendorsed Fixed Rate Note and the unassigned Mortgage. I uploaded some of the documents that I received for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023. I cancelled my subscription to XXXX which was in the amount of XXXX  On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been charged XXXX and I should not have been charged. I have sent Chase Bank proof of the cancellation and they told me I have to resolve this with the merchant and the merchant is refusing to contact me. It's not fair that I have to pay for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One XXXXr closed my XXXX card account. I was told it was due to non payment and it can not be reopened. However, for the past several months, they have been taking money out of the account via XXXX that initially they claimed they never had access to. 

XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I have not changed any information other than when I switched my XXXX account from an old XXXX account to the new XXXX account. This seems predatory I would like this removed from my credit report along with my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: MD

Complaint narrative:
accounts reporting not mine need to be deleted and accounts with inaccurate balances, information, addresses and names and nobody help me to get corrected on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: MD

Complaint narrative:
accounts reporting not mine need to be deleted and accounts with inaccurate balances, information, addresses and names and nobody help me to get corrected on my consumer 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 2023-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I have received only a couple of calls from Transworld Systems claiming I owe money. {$99.00}. I have asked them to send me the actual bill or have the original company call me. No one can seem to prove to me beyond a reasonable doubt that I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted disputes to Experian on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. Experian is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in XXXX and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.

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 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.

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 2023-10-14 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: HEARTLAND PAYMENT SYSTEMS INC
State: AL

Complaint narrative:
My federal loan disbursement is being held up as pending with Heartland ECIS although XXXX XXXX  deposited the money at XXXX XXXX  on XXXX XXXX XXXX My disbursement is held as pending over the weekend. This is money I have taken a loan out for yet I am not given access to. This is a scheme by the University and by the third party loan handler Heartland ESCI. My excess money is being held until the very last minute on XXXX th day to be disbursed and I am not given access to the money until XXXX or more days. Heartland claims to give access to funds the same day as long as deposit is before XXXX pm yet once the funds are released from XXXX XXXX, heartland ECIS claims XXXX Hasn't released the money to them. I called XXXX XXXX  to see if I have a pending deposit and the answer was no. Heartland ESCi claims once XXXX releases the money than it will go directly into direct deposit account. XXXX claims the money was release on the XXXX. Now it's the week end so my money is just sitting with Heartland claiming to be pending because XXXX has not released the money. So who is at fault? If XXXX university hasn't not released my money, are they in violation for not releasing the money in XXXX  days after being paid with my federal loans? This is every disbursement. I am always being held up over the weekend paying interest on money that I can't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: EdFinancial Services
State: GA

Complaint narrative:
At the end of the Covid relief hold on student loans, I was given notice that payments would restart and that I needed to update my income for the income based repayment plan I was on. Ed Financial incorrectly had me on a standard payment plan, though, with a payment of {$1100.00} a month for XXXX years. I updated my income, which is {$29000.00} a year, or about {$2400.00} a month before taxes. My account showed I owed nothing for the month of XXXX, but that payments would start at {$800.00} and a second payment at {$360.00}, which came to the {$1100.00} for XXXX years. That would be over half of the money I make after taxes, which is approximately {$1900.00}. Ed Financial then sent me notification that I had been approved for the income driven repayment plan, which all such plans are supposed to be XXXX % of a person 's salary. All of my loans qualified for the income based plans, so all of them should have been applied. But my notification was that I would start paying {$800.00} on XX/XX/23. This was the same amount as the standard repayment plan, and nowhere near my income qualifications. According to their own loan calculator and my tax filing information, my payments should be XXXX. But they didn't change anything to fit my updated information, and if they took XXXX % of my salary, I would only owe $ XXXX {$360.00} a month. This is XXXX times that! It's also very deceptive since my summary still shows me owing XXXX for the month of XXXX, but now I received notice that I have to pay over XXXX XXXX  in just XXXX week. That is XXXX week 's notice of a change in my payments taking nearly half my monthly income. That is NOT an income based repayment plan, so it's a lie that I've been approved for a plan based off of my income. It is still part of the standard plan, which seems like some very DECEPTIVE practices to me. I've tried contacting the company, but hold times are more than XXXX hours! And there's been no access to chat and no response to emails. My due date is coming up in just a week! I do not have time to hold and wait. I do not see how a company can be allowed to operate like this with loan information. How is it even legal? I have the screenshots and saved documents to show the proof of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I paid the entire balance on my card on XXXXlXXXX XXXX XXXX, one day before the due date. I was notified that there is a delinquent notification on my credit report. When I looked it indicated XXXX Comenity credit card. Seven days after I paid my balance they charged me {$20.00} interest and I had no idea until this notification came in. It indicates in the " how to avoid interest '' section of the attached statement that if you pay by the due date, you avoid interest. I paid the balance in full by due date, yet they charged me interest and have since charged me multiple late fees and additional interest. When I call them to take care of this, there is no way to speak to a person. The only options is around making payments or making a promise to pay, etc... when I say " speak to an agent or representative '' it will say it is transferring the call but then goes to a message that you must dial a ten digit number and you need ti try again. I have tried this more than 10 times and I am never able to get through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, my Chime debit card was stolen out of my vehicle and used to withdraw {$400.00} from a ATM. I called chime immediately to cancel the card and to send a new one. I filed a dispute on XX/XX/XXXX, on XX/XX/XXXX my dispute was denied for the first time. I called chime they said I needed to file a police report, so on XX/XX/XXXX I obtained a police report. I called chime again, uploaded all of my supporting documents that I have to show that the withdrawal was definitely not me. Which was a police report, a written statement and I also showed where I was literally at work clocked in while this transaction happened. I have called chime and rebottled my dispute XXXX times, and it has been denied every time with Chime saying the same exact thing every time. I even spoke to a Supervisor of Chime this last time, he said he was confident that I should get my money back and he wasn't sure why I was being denied. BUT, I just got another email stating that I was denied once again for the sixth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: TX

Complaint narrative:
I have contacted XXXX XXXX and XXXX XXXX XXXX about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.

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