vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: DE

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : 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 2024-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a drug addict. 

Subsequently, my checking account at Bank of America become overdrawn and closed after the check returned. When I was notified, I informed B of A of the fraud. From the time in XXXX of XXXX until current, Bank of America, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft.

Moreover, Bank of America reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like Bank of America to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form 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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the letter i have received about recent closure of my business credit card, associated with my business " XXXX XXXX XXXX ''. As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card and reconsider its decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2024, I deposited a significant check at my bank, where I've been a customer for nearly XXXX  years. Later that day, I was surprised to receive a notification that the bank had placed a hold on the funds. The notification stated concerns about the check 's validity, and the funds might be hold will last for approximately XXXX business days, excluding weekends. 

While I understand that large deposits may not be immediately available, a five-day hold seems excessive. Surely, verifying a check 's authenticity can be accomplished more quickly. 

The attached A/c # is the transaction id, instead of an actual account number.

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 2024-04-19 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX XXXX my account with home depot was at XXXX.a month later in XXXX XXXXhome depot issued a new card to another address and change my email. For another email..from there that other person stars making purchases at home depot in my name..

How did they change the email in with home depot always sent me datails of my account i never received my account statament.until the collection call started.they told me that a check issued by me the chase bank had no fund.it should be stated that i do not have an acccount in that bank.i started to find out and i realized that this person had made purchases at home depot for more that my credit witch was XXXX dollars.from there i called many time which is the one that made the collections calls and i reported it since octuber of the previus years. Without any solutions to the fraud carried out in my ho.e depot 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 monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I previously sent a complaint. After I recieved a message from ed financial stating that my loans have been absolved. I even took a screen shot of it. Now I have another message stating that I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I know a person who signed for my mail opened it and took out the contents and taped it shut and wrote return to sender. No police report because they won't touch it, now I've got charges because of this and Noone is going to help not police not not the post office not anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I originally opened a credit card with capital one. Then I set up my bank XXXX to pay the capital one credit card off. Everything was fine with payments and all until I unlinked my XXXX XXXX  and added in the XXXX XXXX banking information. I checked my statements with XXXX XXXX but it appeared as if I never paid off the capital one credit card but somehow the money appeared on the credit card statement which was later refunded back to a bank that was not mine - fraudulent card name _ XXXX XXXX. I called in to report to capital one & XXXX XXXX since I do not own any type of cards with XXXX XXXX this fraud. I noticed when my credit score dropped XXXX points and I was pretty much confident I had paid off my credit card thats when I noticed the fraud. Capital one does not want to take responsibility saying there is nothing they can do. I am pretty much upset on how the system says FDIC covers for this types of issues yet fails to comply with my current situation. 
I dont know what else to do- it robs me money that never will be liable from credit bureaus - messes up my credit score and all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
My mortgage company ( Carrington Mortgage ) overpaid my taxes while I was proving to my county assessor that this is my primary residence. The county has confirmed that this is my primary residence and has sent proof that they have refunded the mortgage company. However, the mortgage company has now increased my mortgage payment an additional {$2000.00} to make up for the escrow shortfall, even though they are receiving a refund. I have offered to pay my regular mortgage payment and asked them to wait for the refund but they will not even accept my mortgage payment. I now have received a letter indicating foreclosure and have been reported to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an argument over the phone with a very rude and vengeful representative from Capital One Credit cards last year because i did not want to provide them with my phone number or nys driver 's license. That agent did something vindictive and flagged my account for identity fraud.

Now, i can not access my online account and i have no idea how much i owe. I am frozen out unless i give them my driver 's license ( which i refuse to do because i do not trust Capital One with my info ).

I will give my personal info to the State of NY or CFPB because i trust you but not Capital One.

My most recent of 3 follow up calls to them was XX/XX/XXXX, but i can not provide you with amounts owed because they will not give me any info.

Please help me to : 1 ) receive my rewards owed to me on both my credit cards 2 ) provide me with the PAYOFF amounts and i will pay it in full 3 ) Close both my card accounts AFTER i receive rewards owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NE

Complaint narrative:
Im begging you please remove this to the 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 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX supposedly has a debt that I owe but I can't confirm this information. I do not recall owing XXXX XXXX anything. Jefferson Capital Systems added a collection to my credit report without providing written verification that I owe the debt as requested. At the current time this account is currently damaging my credit report and has not been validated. My next step with Jefferson Capital is an intent to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint regarding a potential violation of the Equal Credit Opportunity Act ( ECOA ) Background : I submitted a loan application on XX/XX/2024. 
On Thu, XX/XX/2024 at XXXXXXXX XXXX, I received notification of financial approval for a loan amount of {$150000.00}. 
On Wed, XXXX XXXX XXXX  at XXXXXXXX XXXX I received unlawful conditions in order to obtain the loan if provide the boarders private information like bank statements and drivers license ECOA Violation : Delayed Notification : ECOA requires creditors to notify applicants of a decision within 30 days of receiving the application. However, I did not receive any communication regarding additional documentation requests until XX/XX/2024 after I had already been approved financially for the $ XXXX on XX/XX/2024. 

On XX/XX/2024, after informing the loan officer of the possible ECOA violation, I suffered adverse action as the loan was lowered to $ XXXX after it had exceeded the 30-day timeframe. 

Privacy Concerns and Unnecessary Information Request : The requested documentation on XX/XX/2024, included a request for the Boarders ' driver 's license : This information seems unnecessary and potentially violated the privacy of the boarders in light of the fact of not being a party to the loan, 12 months of bank statements for the boarder : This also appears excessive and irrelevant to my creditworthiness. 

I wrote a letter to the original loan officer Tue, XXXX XXXX, XXXX XXXX XXXX XXXX After this, adverse action was taken On XX/XX/2024 ( more than 30 days after financial approval on XX/XX/2024 ), The original amount was lowered to {$120000.00} with additional requirements to pay certain bills that had already been discussed to be paid with XXXX XXXX at the time of application on XX/XX/2024. This sudden change in terms after financial approval raises concerns about potential discriminatory practices. 
Request : I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these potential ECOA violations by PenFed Credit Union. I also request that the originally approved loan amount of {$150000.00} be reinstated without requiring unnecessary documentation or additional conditions. I have attached all documentation to prove this claim. 


Loan application : XXXX Letter of Financial Approval XX/XX/2024. 
Illegal Conditional documentation request on XX/XX/2024 Adverse/Counteroffer received on XX/XX/2024 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 2024-04-19 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: CA

Complaint narrative:
I called Equifax and Spoke with an employee named ( XXXX gave me employee ID # XXXX Supervisor ) who basically told me that he was the highest-ranking person I could speak with, on XX/XX/2024 I submitted an FTC report along with other supporting documents, and both XXXX and XXXX investigated this case of Identity theft ending in the same result. Equifax has been putting me through a very difficult time after explaining that, I went through XXXX XXXX and during that time my information was compromised. I am a victim of identity theft. The fraudulent information is showing on my credit file but is not mine. This complaint is regarding an employee named ( XXXX gave me employee ID # XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-19 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief