vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/year> I received a text message welcoming me to Capital One with a link to start an auto loan application. The full text is below : " Welcome to Capital One! Get your new auto loan rolling at https : //capital.oneXXXX You may receive more texts with timely info about your account. Msg & data rates may apply. Reply HELP to contact us ; STOP to opt out. '' I've never had an account or loan product through Capital One, and the enrollment link looked fishy so I did a quick internet search and it appeared to be legit. I went to www.capitalone.com to get their contact info as I didn't want to click any links in the text just to be sure. 

I went through the automated prompts and finally got to a representative in fraud. The individual asked me for my account number. After I advised I had no account number and it appears someone opened an account with my info fraudulently, she again asked for my account number. I asked to speak to a supervisor. She put me on hold and came back on the line and said she needed my account number. I advised again that this was fraud if an account was opened so I didn't have an account number. She said she could not help me because I wasn't in the system. At this point the only information she had attempted to gather from me was my first and last name ( with no spelling or anything ), asked for the best contact number for me, and my account number ( which again, is non-existent to me ). I made a comment that she hadn't even asked me for any information to attempt to locate me which she then asked for my social security number. I was uncomfortable at this point providing that information so I again asked to speak to a supervisor. I was placed on hold a second time and when the representative came back on the line she did a warm transfer to a " colleague '' to assist. This individual advised immediately that she could not assist me without an account number. I asked if this was the fraud department and she verified yes. I asked how the fraud department could not help with a potentially fraud account being opened and she said she never said she couldn't assist me. I asked to speak to someone else and she said she couldn't do that. I advised the representative that I would be filing a CFPB complaint. The representative quipped back that she would also be filing a complaint against me and asked if I wanted the confirmation number. 

This phone number was taken directly from capitalone.com and is XXXX. 

I just want to verify no account was opened or loan taken out in my name/with my information. I pulled one of my credit reports from XXXX ( XXXX ) but I know it may take some time for new accounts to be reported, and deposit accounts don't appear at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I called Discover Credit Card about my credit card and fraud charges. I disputes the charges but the charges were return by the fraud investigator. I called and ask to speak with a Supervisor and XXXX XXXX XXXX XXXX was very rude and unhelpful regarding resolving my disputes with my credit card. She had no customer services skills to help me and was disrespectful and told me some will call me in 72hrs. 

XXXX stated my charges were reversed and not upheld because they are common at the same stores and because I still made payments on my account when there was fraud charges. 

The town XXXX XXXX  I stay in is only 10 miles radius in whole. 

I should not held liable for charges I did not make. This is wrong and its not right that Discover treats it customers this way. 

I have called Discover Fraud Investigation several times and still have not been helped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I have had my mortgage with Mr. Cooper since day 1 of house purchase. After 29 months of paying mortgage on time, XXXX payment was made XX/XX/year>. Mr. Cooper on XX/XX/year> made some adjustment to my account without notice or explanation resulting in the account now being past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I don't believe I owe the amount listed on my consumer reports. I am tad bit confused ; there is an inflated balance on this charge-off account from the balance amount. Also, my date of last payment which is listed as XX/XX/year> I am uncertain about that as well. May I request for the information for this account. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I XXXX XXXX experienced fraudulent activity on my checking account via debit card transactions via atm and bank withdrawals on XXXX XX/XX/24. I did not lose my debit card at anytime and have the debit card in my possession currently. On XX/XX/24 I noticed a card replacement fee on my account. From then on a total of {$3700.00} had been deducted from my account by atm, bank withdrawals and purchases with my debit card pin over a XXXX hour period. I did not make these transactions. These transactions were done by someone else who hacked my account. I called Chase immediately to notify them of the activity. Chase noticed there were suspicious phone numbers added to my account as well as a address in XXXX, which is XXXX XXXX XXXX, XXXX XXXX NY XXXX Chase also noticed a suspicious person was calling to inquire about my account. Chase restricted my account and opened a new one. Chase refuses to reimburse me the stolen funds and is making me pay for the stolen funds. Chase refuses to check surveillance footage of the scammers accessing my account via atm and bank withdrawals. Chase does not acknowledge police reports as evidence. Chase does not acknowledge pin transactions as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian credit agency reporting late payments beyond 7 years on a closed account -- 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice from Accelerated Inventory Management , LLC claiming I owed a debt of XXXX to XXXX XXXX. I disputed the debt with the debt collector on XX/XX/XXXX requesting debt verification. The debt collector failed to provide verification within the allotted time frame. 

Due to the lack of debt verification, I was forced to defend myself in court when Accelerated Inventory Management , LLC filed a lawsuit to collect the alleged debt. I appeared in court XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to this matter. In each instance, the case was adjourned because of failure of the petitioner to appear/provide proof of the alledged debt. During the court hearing on XX/XX/XXXX, the judge dismissed the case with prejudice because the debt collector could not provide debt verification. 

Since then this account, XXXX XXXX, has riddled my credit report with derogatory marks. 

I am filing this complaint with the CFPB to request the following : I request that XXXX XXXX and Accelerated Inventory Management , LLC be ordered to cease all communication attempts regarding this alleged debt. This includes phone calls, letters, and any other form of communication. 

I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to remove any negative information regarding this debt from my credit report. 

I request that XXXX XXXX and Accelerated Inventory Management , LLC be instructed to delete any and all information regarding this alleged debt from my credit report with all three major credit reporting agencies. ( XXXX, XXXX, and XXXX ) Attached is a copy of the court order dismissing the case with prejudice. 

The debt collector 's failure to provide debt verification resulted in unnecessary legal action and has negatively impacted my credit report. I kindly request the CFPB to take the necessary steps to ensure XXXX XXXX and Accelerated Inventory Management , LLC ceases all collection attempts and corrects any negative reporting on my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been hospitalized several times throughout the last year due to unforseen XXXX XXXX, and XXXX. While hospitalized I was XXXX XXXX XXXX  XXXX and missed my credit card due date. However I made a payment of several XXXX dollars above the minimum payment amount. When I called Capital ONE to request a late fee reversal of {$39.00} I was told that it could not be reversed without an explanation as to why. I was told by XXXX of Caoitol One '' s customer service that he could not tell me why the fee could not be reversed. As I have been a loyal and upstanding customer well over 10yrs, until this past year due to my severe medical problems. I have a history of 8yrs or so without ever missing a payment, yet this was not taken into account when deciding whether or not to refund this exorbitant late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I am writing to dispute the collection account associated with my account. Upon reviewing the information provided, I noticed that the collection does not accurately reflect my name or my daughter 's name. It's possible there has been a mistaken identity, especially considering recent events. My daughter recently required XXXX XXXXXXXX XXXX and was admitted to the hospital. Given the circumstances, it's conceivable that there may have been a mix-up in the documentation. Neither myself nor my daughter have any association with the account in question. I kindly request that you investigate this matter further and provide clarification on why this collection has appeared on my account. Additionally, I would appreciate it if you could provide documentation regarding the debt, including the original creditor 's information and details of the alleged debt. Your prompt attention to this matter is greatly appreciated, as I am eager to resolve this issue and ensure the accuracy of my credit report. Thank you for your assistance. 

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 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
The loan was paid off in full on XX/XX/XXXX of XXXX. After not receiving escrow funds remaining as a refund after 20 business days I have repeatedly emailed and called mortgage company to request those funds be returned to me. The mortgage company made claims of having sent a check with no tracking number or ability to ensure delivery. On XX/XX/XXXX representatives of the mortgage company claimed they were issuing an ACH transferred to my bank account. That money was never received. I have documentation as proof of my repeated requests and their delays or vague answers on when the money would be returned to me. 

As of the state, I still have not received my refund which totals {$3500.00}. Not a small amount for a retiree on Social Security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I have made small transfers of about {$10.00} USD to a single person in XXXX. She lives in XXXX  XXXX, has no job, and is poor. I provide money to her for food for her, her mom, and sometimes her brother. This is not unlike contributing to a charity like XXXX except that I cut out the organization and 100 % of my contributions go to the people who need it. {$10.00} USD is an immaterial amount to someone in the XXXX, but it is a lot to a poor family in XXXX. There is nothing illegal about these contributions. I AM NOT PURCHASING ANYTHING ILLEGAL. I AM NOT LAUNDERING MONEY. Yet my ability to make transfers has been immediately stopped without warning or explanation except to say that suddenly my " activity isn't allowed under the terms of our User Agreement. '' Customer service can not provide the terms that I violated nor can give any explanation except to say that it is out of their control. This is an unacceptable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied for a Barclays XXXX XXXX credit card with the purpose of transferring {$12000.00} from my XXXX credit card to the Barclays card. I was only approved for a {$2000.00} credit line for the card. I was under the assumption that since I was not approved for the full {$12000.00} that I would have to worry about the transfer but unfortunately Barclay submitted a transfer of less than the requested amount with my knowledge or approval.

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 2024-05-07 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven years.

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

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 2024-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. XXXX and Experian, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy.

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor XXXX and Experian have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario.

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and Experian are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.

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 2024-05-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation