vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On Friday XXXX XXXX  I contacted current to dispute multiple transactions made on my debit card. They were unauthorized transfers and then spends. I had not used this account in months and they unauthorized transfers were being made from a remote device in XXXX. The dispute was filed and then closed the following Monday. Customer support was unable to answer the reason as to why, and in the last current has stated their disputes team works during business hours Monday-Friday. I do not believe this dispute was actually investigated, current has multiple accusations of fraud made by them, multiple violations of normal banking guidelines, and does not provide customer support in an adequate manner. I am asking my funds be returned to me asap, or that current is investigated and that their doors closed due to massive customer negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I used Forbearance for COVID-19 for entire of 1 year, I have been told that I must pay this amount to bring my account up today to avoid foreclosure. I bought my property in XX/XX/2023 so in XXXX I ask for Forbearance due lack of Income and unemployment so I have worked since up to today with Loss Mitigation and in several occasions the property was listed with a sale date but after I worked with them they stopped foreclosure procedures. Yesterday XXXX, XXXX  received another letter saying the deny one more time my loss mitigation appeal that I have submitted. So I was informed by customer service at Flagstar that I can re-submit an application for Loss Mitigation. 

We want to stay in the property at the same time continue making payments to retain the property but they are telling us that we must pay the entire amount was accumulated during COVID-19 that wasn't our understanding. Please help me with those bad practices by Flagstaff Bank I have tried talking to them but nothing seems to happen, every day pass is more difficult for me and our family. 

This is the amount $ XXXX are require us to pay to be up to date including late fees and all associated charges. Please help us! 

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
Consumer complaint received 2023-12-13 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: WV

Complaint narrative:
Please remove All Non Mailable Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiry for XXXX XXXX, Pursuant to 15 USC 1681- Permissible Purpose ; Update Accounts as PAID AS AGREED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681. Remove XXXX XXXX XXXX XXXX XXXX XXXX  A charge-off is a Certificate of Indebtedness and Income can not be reported. 
Pursuant to the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT XXXX OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, Capital One XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not apply for a XXXX XXXX XXXXXXXX credit card. My TransUnion credit dropped by XXXX points. I want that corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: KY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: KY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation
State: GA

Complaint narrative:
I have requested for forgiveness on this loan that is 10 years old

Company response to consumer: Untimely response
Consumer complaint received 2023-12-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I did not apply for a Bank of America credit card. My XXXX credit dropped by XXXX points. I want that corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
I have been enrolled in the Public Service Loan Forgiveness ( PSLF ) program since I started working for the federal government in XX/XX/XXXX. I continue to work full-time for the federal government but enrolled in an XXXX XXXX XXXX XXXX  in XX/XX/XXXX. My enrollment automatically caused all of my student loans to be placed in " in-school deferment ''. I spoke with a Mohela representative on XX/XX/XXXX requesting to have my loans taken out of deferment so I could make the payments starting in XX/XX/XXXX. This was not done. I called again on XX/XX/XXXX and spoke with another representative who e-mailed me a " in-school deferment waiver '' form to be signed and uploaded. I completed and uploaded the form on XX/XX/XXXX. Again, nothing happened. I spoke with another representative on XX/XX/XXXX who told me the form was there but could take 45 days to process. It has been 45 days and still nothing. I called Mohela again today, XX/XX/XXXX, and was told that it could take another 90 business days! 

I simply want to make my payments so they will qualify for XXXX. I only have XXXX payments left to make to qualify for forgiveness and this delay is unnecessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I've been receiving notifications from XXXX XXXX regarding the status of my properties, inquiring if they are vacant or abandoned. To clarify, these properties are not abandoned, and I am actively engaged in maintenance efforts. I urgently request XXXX XXXX to cease entering the homes, changing locks, and causing distress to my tenants. 

Despite previous requests, XXXX XXXX continues to issue notices, adversely affecting our ability to rent the properties and causing problems with existing tenants. It is imperative that these actions cease immediately. 

I want to emphasize that I am the owner of these properties and have been consistently making mortgage payments. Currently, all properties are undergoing remodeling, renovation, and repairs due to damages sustained during last year 's hurricanes ( 2022 ). These efforts have been funded out of pocket, as assistance from insurance companies and Mr. Cooper has not materialized. 

For your reference, the property in question is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, with the loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sent me a letter, asking me to contact them about my application for a credit card. I NEVER APPLIED FOR XXXX. I DON'T WANT ONE.A week later, I received another letter, saying that there was suspicious activity on my card and that my account had been temporarily suspended. However, BOA sent me an actual plastic credit card. I repeat : I NEVER REQUESTED THIS AND I DO NOT WANT IT. 
My wife faced a similar issue recently and it took a long time and a great deal of effort to resolve the situation. 
I have not contact BOA because I do not want them to have any more information about me than they already have. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2023-12-13 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: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I'm currently going through a financial hardship I have covid and my debts have been handed over to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-12-13 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: IL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: GA

Complaint narrative:
My account should be secured but its not. This is the second time that my money was stolen from my account within months on XX/XX/2023 money was stolen from my account from my bank thats in Illinois and I live all the way in XXXX so I am confused on how this can happen, I sent all the information that they needed to prove that it wasnt me and I have no business with this bank in Illinois is frustrating because I work hard for my money and my money was taking within minutes and I have to go through a long process just to get my own money that I worked hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is Aspire and the other is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Over a year ago, I notified Bank of America as soon as the transaction was taking place to reverse the transactions due to my being scammed through cash app and my bank account. I had to open a new account and, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the cash app and then transfer the funds to a different cash app. I spoke to XXXX in the escalation department today after finding out that XXXX funds for my children had been taken out to pay for this fraudulent transaction I asked if I could pay on Friday here I go again continuing to pay for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then begin to belittle me and try to insult my intelligence in protecting myself and became insensitive telling me the debit was valid. I became livid and felt picked on after I told him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. This has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after providing all the proof, and they will not help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I got three collection letters from the XXXX of XXXX for XXXX homes for school taxes. I spoke to Shelll Point servicing company about this over the last six weeks. Ive been on the phone with 4 different reps. No one seems to have an answer and I keep getting emails from them that none of my taxes are due. As of this morning, I spoke to the actual treasurer of XXXX, and the taxes are not paid and will be sent to XXXX XXXX  law services XX/XX/. I now will have to pay them myself as I dont want any issues. Shellpoint doesnt even have a tax department you can speak to. They are jeopardizing my credibility and hard work that it took to get to this point in my life. No one gets back to me about the issue its very frustrating. 

XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX Pa XXXX All school taxes are delinquent and going to collections

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arcon Credit Solutions LLC
State: OK

Complaint narrative:
Arcon Credit Solutions has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday

Company response to consumer: Closed with explanation