vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear CFPB, I am writing to formally complain about an issue I encountered with American Express ( AMEX ) regarding an incorrect payment return fee. Despite multiple assurances from AMEX representatives that my payment was processed successfully and that no additional action was required on my part, I was later charged a {$29.00} return payment fee due to insufficient funds, which could have been avoided with accurate guidance from their customer service team.

Summary of Issue : On XXXX XXXX XXXX I contacted AMEX customer service regarding a payment of {$1500.00} due on my AMEX XXXXXXXX XXXX Initially, my AMEX checking account had insufficient funds to cover the payment, so I immediately transferred {$1500.00} to the account and contacted AMEX to confirm the payment status and prevent any fees or overdraft issues. I was repeatedly reassured by multiple representatives that the payment would be processed successfully and that I did not need to take any further action, including submitting another payment manually. 

Subsequently, I received an email from AMEX notifying me of a payment return due to insufficient funds. Concerned, I once again contacted AMEX, where the representative again insisted that the payment was processed and that no fees or additional action was necessary. Despite my diligence and proactive measures, AMEX ultimately charged me a {$29.00} return payment fee. When I requested a waiver, AMEX declined, stating that return fees are " systematically applied. '' Primary Concerns : Misleading Information : Repeated assurances from AMEX representatives that the payment had been processed led me to believe no additional action was required. 

Poor Communication Between Departments : I was continuously transferred between credit card and checking account teams, each providing conflicting information. This lack of clear communication has caused me significant frustration and confusion. 

Inconsistent Fee Waiver Policies : Despite my long-standing positive account history, AMEX refused XXXX waive the return payment fee, which was charged due to the misleading guidance provided by their customer service representatives. 

Negative Impact on Customer Experience : AMEX 's failure to provide consistent, accurate information and resolve the issue promptly has diminished my trust in their customer service practices. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that AMEX improves their customer service processes, especially regarding communication between departments, and ensures fair treatment for customers who are trying to fulfill their payment obligations. I am also requesting a refund of the {$29.00} return payment fee due to AMEXs failure to provide accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of specific accounts from my credit report. As a victim of identity theft due to a recent data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed from my credit file. 
The accounts that I am disputing as fraudulent and request to be deleted are as follows : Fraudulent 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

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 2024-11-07 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: CO

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that compromised my personal information. As a result of this breach, fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and permanently deleted from my credit report as per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts are the subject of this request : XXXX. XXXX Account # : XXXX XX/XX/XXXX {$19000.00} XXXX. XXXX XXXX Account # : XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt. 

Please unblock my Equifax account and send me a credit report. my drivers license and utility bill is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have pay on time, the financial institutions delay the withdraw from my bank account and reported as late payment on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint this fraudulent, inaccurate and false information consists of a personal credit card account opened at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX .account opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: PA

Complaint narrative:
Wise, formerly known as TransferWise was given the sum of {$200.00} by a company in XXXX, XXXX, which owed me that sum. I am owed {$200.00} by XXXX XXXX located at XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I sent XXXX XXXX my bank wire transfer instructions on XX/XX/year>. XXXX claims it turned the money over to Wise and further claims the funds were sent to my bank on XX/XX/year>. This is not true. Today XXXX sent me a document from Wise claiming the money was on the way to me. I have not received the funds. Can you kindly assist? Many thanks. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I am writing to formally dispute issues related to my personal information in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ).

I have identified unauthorized entries on my credit report concerning the following accounts : XXXX XXXX - Date : XX/XX/2023 I assert that these entries are not authorized by me and do not reflect my credit history or personal conduct. I suspect that my personal information may have been misused, and I am deeply concerned about the potential implications of identity theft. Therefore, I kindly request that you investigate this matter and delete these inquiries from my credit report. 

Under 15 USC 1681b, I am entitled to receive a copy of any report or information that has been provided to you by a consumer reporting agency regarding these entries. I request that you provide all relevant information concerning this matter, including any documentation that supports your findings.

Additionally, under 18 USC 1028a, I wish to emphasize that the unauthorized use of my identification is a serious offense. If this issue is not resolved promptly, I may be compelled to take further action to protect my rights. 

Please investigate this matter and provide me with a written response within 30 days. I appreciate your attention to this urgent issue and look forward to your prompt reply. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
I am writing to formally dispute issues related to my personal information in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 

I have identified unauthorized entries on my credit report concerning the following accounts : XXXX Card - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX I assert that these entries are not authorized by me and do not reflect my credit history or personal conduct. I suspect that my personal information may have been misused, and I am deeply concerned about the potential implications of identity theft.Therefore, I kindly request that you investigate this matter and delete these inquiries from my credit report.

Under 15 USC 1681b, I am entitled to receive a copy of any report or information that has been provided to you by a consumer reporting agency regarding these entries. I request that you provide all relevant information concerning this matter, including any documentation that supports your findings. 

Additionally, under 18 USC 1028a, I wish to emphasize that the unauthorized use of my identification is a serious offense. If this issue is not resolved promptly, I may be compelled to take further action to protect my rights. 

Please investigate this matter and provide me with a written response within 30 days. I appreciate your attention to this urgent issue and look forward to your prompt reply. 

Thank you for your cooperation.

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 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We discovered back in XX/XX/XXXX that we had been assessed late charges by our mortgage company, Shellpoint Mortgage Services. On our statement for XX/XX/XXXX it showed that owed XXXX payment as we had just paid a large amount to get our account current. We did not make a payment for that month as it showed XXXX payment was due. We made all our other payments on time up to current date. We have tried contacting the mortgage company about their mistake, but we get the run around and they closed our case with no explanation as to why. We have tried re-opining the case but they keep telling us they need more time to investigate. This has been going on since XX/XX/XXXX. We are requesting that the late charges we've paid be reversed and our credit history reflect that we paid our payments on time.

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 2024-11-07 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: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # 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 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 2024-11-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union Charged me over draft fees around XX/XX/year>2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I applied for consolidation in XX/XX/scrub> 2024. However, I had already decided against doing it by the time I was approved. I declined by phone with the FSA well within the time frame I was given to do so ( 10 business days ). 

Several weeks later I received emails from XXXX, my loan servicer, that my loans had been consolidated by Mohela despite my declination of the consolidation. I called the FSA, which confirmed that they had my refusal on file, and sometime thereafter I saw that my loans were once again showing on the XXXX account. I thought the matter was at an end until I received a bill from Mohela in XXXX. 

I called Mohela and was told that they claim to still own XXXX of my loans. I asked why all my other loans had reverted and these XXXX were not and they would tell me was that they were 'different ' in some way they refused to elaborate on. 

In the months I have been trying to figure out how they could possibly retain ownership of XXXX of my loans when they were never supposed to own any of them at all not one person at either the FSA, XXXX, or Mohela mentioned that the XXXX loans Mohela is claiming are the actual consolidation loans that should have never existed. Also, the fact that my actual loans were returned to XXXX should have negated the existence of any consolidation loans even if they were legitimate. Between these three entities I had to be the one to figure out what appears to be either a clerical error or an issue between XXXX and Mohela regarding the transfer of funds regarding my loans. I have informed the FSA of my discovery. 

Now my student debt is reading on the FSA website as double what it actually is ; from ~ {$41000.00} to ~ {$82000.00}. These consolidation loans are fraudulent and were created against my express wishes. I applied for consolidation in good faith in the understanding that I could refuse even if approved. I did my due diligence and declined well within my time frame to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a wire to my checking account and I wired that money to my crypto bank account it was authorized then the next day it was cancelled they asked where the wire was going and why and to who and why. I told them everything they needed they concluded I was involved in crypto scam and now account was in an investigation which lasted 6 weeks after which time I received an email which was on XX/XX/year>2024 that stated we have concluded the investigation and your account will be closed. On XXXX I received an email stating a change in account status that my account has been closed.I asked that the original wite please be refunded to the original sender. I also had the original sender have his bank send a refund wire request as well 3 times and with no reply to his bank from my bank. I call every day except the weekend and if it was a holiday and ask same question checking to see how much longer it will take for the original wire to refunded to the original sender I even got a reference number and gave that to them as well from the senders bank. After speaking with several different people over the many days I always get the same response no updates and no time frame and we can not tell you that. I just am very disappointed in the lack of information one can not receive its very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Subject : Debt Validation Request Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of this alleged debt. 

Please provide the following documentation to substantiate the validity and accuracy of this debt : 1. Proof of Debt Ownership : Verification that you are legally entitled to collect on this debt, including any documentation that shows how you acquired the debt from the original creditor or other third parties.

2. Detailed Accounting of Debt : An itemized breakdown of the debt, including the original amount, any fees or interest accrued, and the exact balance due as of today.

3. Original Contract or Agreement : A copy of the original contract or agreement signed by me that establishes my obligation to repay this debt.

4. Full Identification of the Original Creditor : The full name, address, and contact information of the original creditor.

5. Verification of Legal Authority : Proof that your agency is licensed or authorized to collect debts in my state of Florida.

If this debt can not be fully validated as outlined above, I request that you cease collection activities immediately and remove any negative reporting associated with this debt from my credit report, as required by law. 

Additionally, I am submitting a copy of this request to the Consumer Financial Protection Bureau ( CFPB ) for review and documentation. 

Thank you for your attention to this matter. I look forward to your response within the 30-day period outlined by law. 

Sincerely, 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