vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: VA

Complaint narrative:
I would like to provide some additional context for clarity. I am currently serving on XXXX XXXX in the military and am stationed in the XXXX XXXX area. I relocated to this region on XX/XX/year>, from XXXX, XXXX. Prior to my departure from XXXX, I shipped several packages via XXXX to my address in XXXX. I successfully received all but one of these packages before the following incident occurred. 

On XX/XX/year>, I was approved for a Bank of America XXXX XXXX XXXX credit card, which I received in the mail a few days later. On XX/XX/year>, I received a text message ( Item # XXXX ) that appeared to be from XXXX, indicating that my package had arrived at a warehouse but could not be delivered due to an incomplete address. The message included a link and stated that I needed to pay XXXX cents to reissue the delivery. Given that I was expecting a package from XXXX and the nominal fee seemed reasonable, I proceeded with the payment, especially since the website closely resembled the official XXXX site. 

Shortly after making the XXXX payment, I received an alert from Bank of America XXXX XXXX # XXXX ) regarding potential fraud. I quickly logged into my Bank of America account and discovered multiple unauthorized charges, totaling {$3000.00}. I immediately disputed these charges and contacted Bank of America to verify their fraudulent nature, all within XXXX minutes of receiving the initial scam text. 

Bank of America canceled my card and issued a new one, assuring me that I would not be liable for the fraudulent charges, as they had been detected in a timely manner. However, as time passed, the charges remained on my account balance. Upon following up with Bank of America, I was instructed to submit another claim to the fraud department. I complied, but several weeks later, I received a letter informing me that my claim had been denied. When I called for clarification, I was informed that the company did not find my claims credible. 

I subsequently submitted another dispute, but a month later, I received yet another denial letter. Seeking further assistance, I visited a Bank of America branch, where I spoke with a representative about my situation. She took my claim, contacted someone from the fraud department, and assisted me in submitting a third claim. Unfortunately, I did not receive any further correspondence regarding this claim. During my visit, I presented the specialist with all text messages from the scammer, and she was able to see the associated charges. 

Thank you for your assistance in this matter and I hope we can come to a resolution.

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 2024-11-08 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: FL

Complaint narrative:
I am writing to report that I am a victim of identity theft resulting from a data breach, and I am requesting that the following unauthorized accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please remove the following accounts from my credit report, as I did not authorize them, nor did I open or use these accounts : 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 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 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I contacted Barclays bank Delaware to ask them to send to XXXX proof that the credit card was opened under fraud. They agreed it was fraud and yet it is still showing up on 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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried opening a business account online with navy federal credit union it was denied so I appealed letting them know I have an account with them also a credit. A fews days later my accounts were closed stating due to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AZ

Complaint narrative:
******All the errors and fees started when account was with XXXX XXXX Apparently, my account very recently has been moved to MOHELA***** I have been on an automatic payment plan with my student loans since XXXX. It was XXXX XXXX at the time and they called me and advised that if I didn't do automatic payments, then my loan would go into collection. I did set that up. I have had never missed a payment and the automatic payments even continued all through the pandemic when there was supposed to be a freeze. Then in XXXX, I started getting late payments on my credit report and I tried to dispute it because how can I be late if I am set up on automatic payments. I am still paying my loan via automatic payments, and I believe they have increased what I should pay without my knowledge. The interest is accruing on " past due '' payments but again how can I be late if - 1. I have automatic payments and 2. you increased a payment without telling me? 
These loans were most recently with XXXX when all this started at the end of XXXX. So it has impacted my XXXX XXXX showing that I have late or missed payments every month, but I am clearly paying them via the AUTOMATIC payments. I feel like I am getting bamboozled by XXXX XXXX XXXX and at this point I am very negatively impacted on my XXXX XXXX. I will continue the automatic payments as I do have to repay this loan, but how is it ok to penalize me when I am paying. 
So I have been fine all these years with paying my student loan until the middle of XXXX and now I am not paying my loan... .seems a little odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: CA

Complaint narrative:
on XX/XX/XXXX I applied for a credit card through First Progress, I never received this card despite receiving an email that it was approved on XX/XX/XXXX I received an email that the First Progress credit card applied a payment to the account payment center - I do not have access to this credit card account as I've never received the card. This caused my credit to jump from XXXX to XXXX on XX/XX/XXXX I called First Progress ; the customer service line transferred me to the fraud department- they did not believe this report of fraud, it took at least 20 minutes to convince them that this was happening. They supposedly flagged it for fraud on the transactions and froze the account on XX/XX/XXXX I received an email that my credit has decreased significantly - from XXXX to XXXX on XX/XX/XXXX I called XXXX and they had a fraud alert attached to my accounts and advised me to called a credit bureau - I have an account with XXXX so I also called them on XX/XX/XXXX XXXX XXXXlagged my credit for fraud and advised sending in this fraud report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

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 2024-11-08 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: LEXISNEXIS
State: NJ

Complaint narrative:
I disputed with XXXX that they have on my credit report information that they acquired legally and not thru the court. I have 2 dismissals of bankruptsy appearing on my credit report of information that was not provided to them by the court. They obviously didn't aquire this thru the court but still managed to make bankruptsy dismissals appear on my credit report and it's keeping me from getting loans and heloc to fix my home..please help me so they remove that information from the credit report ... The court has sent me a letter stating that they did not report to XXXX, and I sent it to XXXX, but they still will not remove the 2 dismissals from appearing on my credit report.. 

This is the letter that I sent XXXX : I have previously disputed ( Public records of Bankruptsy dismissal Reference # XXXX on XX/XX/year> with you and in responce, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their responce is enclosed. 
It is clear they do not report to you or any credit bureaus for that matter, therefore, your innitial responce verified the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately. 

Sincerely XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/year>, a zelle transaction was made out of my checking account through XXXXXXXX XXXX, that I did not make or authorize of {$900.00}. The claim was denied through my bank and they did not provide any additional information to me as to why it was denied, as well they did not inform me that my claim had been denied. Allegedly the claim was denied on the XXXX XXXX XXXX, and the only reason I found out is because I called the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX 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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc.
State: ID

Complaint narrative:
I am a victim of identity theft. My email was changed fraudulantly on my Avant Credit Card and when I contacted them they refused to change it back. The fraudalent has access to my entire Avant Credit Card account and has made charges, changed the mailing address, used my attached bank account to make a payment of {$240000.00} to the card and ordered new cards sent to the fraudulant address. 

I have contacted Avant on XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> spoken with the customer service, customer service supervisors, 3rd party fraud check and they refuse to restore my account access, or close the account or honor any requests until they review in 5-7 business days per them. In the meantime the fraudulant actor has open acess to this account. I have provided all resquested information to Avant, sent emails indicating I am a victim of identity theft. The CS and Supervisors and 3rd Party Fraud all agree I am the account holder but have no power to change the email back to my email or restore my access until they claim " fraud will review ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: WI

Complaint narrative:
I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported.

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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: OH

Complaint narrative:
I switched my home insurance company a few weeks ago. I was with XXXX and it was XXXX I am with XXXX and it is XXXX now. I did send back the check XXXX gave me to My mortgage company and it was posted to my account. My mortgage was {$720.00} and now it is {$700.00}. The whole reason I searched days for a cheaper home insurance was because I could not afford to pay that high of a mortgage. When I first called I spoke to someone and she started saying I had another reassessment and that I was not able to get a lower payment. When I asked why she started quoting off numbers but none of it made sense as to why it would not be lowered. I called again and asked for them to reevaluate my escrow. She said she would submit to have that done and that I would know something by the XXXX that is the latest I have to pay my mortgage without a late payment so I could pay the lower amount that month. I even called the insurance agent and even she was baffled. She then suggested that I call again so I called today and the rep offered to submit to have it reevaluated. I informed her that the last rep said she would do! She looked into and came back and said that she would submit it again. She said I had to pay the {$700.00} now and then by next month it should change some. I am very upset I told her I can not afford to pay that and that I did not feel it was right to make me pay a higher amount when they know I dont deserve to pay it! I am also upset that when I call I keep getting the same response that they will submit it again. My insurance was cut almost in half and they keep trying to convince me that it should not be lowered much more than it was. I keep calling and talking to reps but I am getting no where. It is very frustrating that I am trying to resolve this issue so I can have a more affordable payment but they can tell me I should not get it lowered by much. I dont know what to do! They just throw some numbers to try to explain it and you are left feeling helpless because if you dont pay the amount they tell even if it is wrong you will defaulting but then they will offer you a payment plan that will be lower but you will end up paying more and longer. I just want my mortgage adjusted correctly. Without the stress, worry and anxiety of how I can get the issue fixed.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief