vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: DC

Complaint narrative:
On XX/XX/2021, my mortgage with Flagstar was paid off as part of a refinance process. According to their records, Flagstar issued a refund of the escrow balance on XX/XX/XXXX. 

On XX/XX/2021, having still not received the check ( or receiving notice that it was actually mailed through USPS Informed Delivery ), I called Flagstar to follow up. The customer representative claimed that company policy was to wait 3 weeks after the initial check for a reissue. 

On XX/XX/2021, I called in again and a customer representative claimed that they could then put a stop notice on the previous check and issue a new one, and gave a reference number for the process. However, the timeline that they provided was that it would be another 3 weeks from that point for the check to be processed, and then additional time for mailing. 

I do not believe Flagstar has the processes in place to comply with 12 CFR 1024.34, which requires refund of escrow balance within 20 days of a borrower 's payment of a mortgage loan in full. I still have not even received the earlier check that Flagstar claimed to send in XXXX ( or seen it appear in USPS Informed Delivery ), so I doubt whether it was ever sent in the first place.

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 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
{$2200.00} was stolen from my account XX/XX/21 from a series of transactions from XXXX from XXXX  and at least XXXX XXXX  and XXXX XXXX. I woke up to a XXXX cash app account balance and immediately cancelled the card to avoid future charges. Someone duplicated my cash app card and used in New York on an XXXX. Im in Alabama and own an XXXX. The following day the card produced negative balances when the pending cleared as I was advised thats all I can do while they look only in the end to be told its too late .. the payment was captured. I have been patient and allowed Cash App to investigate, the case was closed due to no response when no further communication was needed from me 3 days later. I reopened it the same day and a week later only {$20.00} refunded XX/XX/21 and said they were working on the other transactions. When I followed up XX/XX/21 about the other transactions I was only told XXXX and XXXX had already captured the payment and basically there is nothing else that can be done, despite my account being hacked and money being stolen. Ive spoken with countless customer service representatives, dispute team, managers, and even email corporate executives to only have mail blocked. I need a full refund and potentially due to damages. I work hard for every cent I receive and have a family to provide for, this is beyond unfair for my money to be taken and be dismissed from everyone from the tail to the head of Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I called Pentagon Federal Credit Union ( PenFed ) to complete a vehicle loan application that I had started online. I had started to apply for the loan through their car-buying service, XXXX, so that I could get their low interest rate of 0.99 %. My loan is for {$19000.00}. I made sure that the representative knew exactly what I was trying to do when I called. She was able to complete the loan application, and she told me that I was approved for the 0.99 % interest rate. When I received the loan check, it had an interest rate of 1.89 % on it. Since this was incorrect, I gave them a call on XXXX XXXX. Another representative took a look into it, and she then told me that she was able to make the change to the 0.99 % and that it should reflect on my account soon. I asked her if I should still use the check that I received, even though it had the wrong interest rate. She told me to go ahead and use it. So, I provided the check to the dealership on XXXX XXXX. I waited 2 weeks for the interest rate to change on my account, and it didn't. So, I called PenFed again today, on XXXX XXXX. I explained everything to another representative. After he looked into it, he told me that I actually already had the discounted rate, and that rate was 1.89 %. He explained that I was originally approved for 2.89 % and the discount from XXXX brought it down to 1.89 %. I asked if there was anyway for this to change, and he said no. A few hours later, I called again and explained my situation again. I said that 2 representatives had told me that I should have the 0.99 % interest rate, and both of them told me this before I had given the check to the car dealership. I did not know that I was approved for 2.89 % until XXXX XXXX. I would not have gone through with the loan if I had known the interest rate up front, but I was assured by two different people that I should have had the cheaper interest rate. PenFed is telling me that the interest rate is completely dependent on credit score, which I completely understand. I am upset about the fact that I was told twice that I should have the cheaper interest rate, only for me to find out later that this was not the case. I have looked through all of my physical documentation as well as online, and I have no record of a 2.89 % interest rate. I can only see the 1.89 % interest rate. If I had known about the interest rate up front, I would have gone with a different lender who approved me for a rate cheaper than 1.89 %.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : XXXX account ending XXXX The attached original XXXX XXXX statement shows Suite XXXX as part of my address, but I never lived in that suite and it doesnt match the correct suite XXXX showing on my credit report.Please delete asap.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ], XXXX XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 JPMORGAN CHASE & CO ( SEE ATTACHMENTS ) sent me, the natural person, consumer and Original Creditor proof that they would cease communication with me pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection ; JPMORGAN CHASE & CO did not cease communication pursuant to the previously stated federal law ( SEE ATTACHMENTS ). This means that JP MORGAN CHASE & CO, pursuant to 15 U.S. Code 1611 ( 3 ) - Criminal liability for willful and knowing violation, continued these individual actions willfully if we are looking at the dates each correspondence has compared to when the cease and desist was acknowledged. After nearly a month of back and forth I, the natural person and consumer decided to ask JPMORGAN CHASE & CO for validation of the alleged debt pursuant to 15 U.S. Code 1692g - Validation of debts and was provided the name and address of myself and my address ( SEE ATTACHMENTS ). JPMORGAN CHASE & CO has also sent proof of receipts with statements in a positive balance, which aides in confirmation that a consumer credit transaction took place. I took the time out to learn these laws and that caused my partner and I to argue more of money needed in the household to pay alleged obligations arising from consumer credit transactions and ; 15 USC 1692d ( 1 ) ( 2 ) - Harassment or abuse to suggest or assume that an attorney denies representing me, a natural person and consumer is an oppressive statement to which I deem obscene and damaging to my reputation ( SEE ATTACHMENTS ). Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information the symbol in the documentary evidence gives me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & CO has never given me cure or relief so why would I associate this symbol with anything other than debt collection? Prove me wrong. I have tried to resolve this complaint however I am of tired of being unheard and passed around from one department to another, as a deflect responsibility ( see attached ). After my investigation, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into best buy trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos macy and XXXX dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates P.L.L.C.

Account Number XXXX I purchased a gym membership with XXXX XXXX XXXX on a monthly pay period on XX/XX/2021. 
After 1 paid month of the membership I replaced the credit card I had on file and therefore stopped making payments from there on and planned not to update the credit card on file as I did not need the membership any longer. 
After failing to use the keychain on file with my membership due to declined access, I assumed that my membership with the club was subsequently terminated and I have not used the membership since XXXX of this year. 
I was not made aware that I would have to still pay on a membership I had and still have no access to nor the failed transactions attempted upon my former credit card and therefore should not be charged for it or the accrued debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and XXXX. Thank you!

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 2021-07-29 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a credit card through you guys and got approved for a limit of {$5000.00} and I couldnt have used any more than XXXX and Ive been getting emails on emails on saying my payments are late and when I checked I seen it was overdrawn past the XXXX and I had lost my card a while back due to the fact that I lost my wallet and didnt think about my credit card until I started to add up the pieces and then checked the statements and saw soooooo many different transactions that were not done on my behalf and they were all made within the same area that Im located in and Im stressing out due to the fact that I still should have had like XXXX available credit and I have a whopping XXXX $ overdrawn on the account and I wan na see how you guys may be able to assist me on getting my funds back or maybe adding a higher limit? but I do wan na get this taken care of as soon as possible cuz I reallyyyyyyy could use those funds to make my car payment which Im currently late on my payment

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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: PR

Complaint narrative:
On XX/XX/2021 an unauthorized transaction was made from my account to another personal account and the amount of this one was of XXXX XXXX XXXX XXXX dollars. There is no other person authorized to carry out transactions from this account and as of today, I only have a debit card which was suggested to apply for it again by the same company to avoid any fraud or loss of additional money. As a customer, I think that in some way or another a password could have been leaked since the email account is linked to this bank account and since the day it all happened I have received countless emails to which I have never subscribed. Concerned about the situation, I directed myself to the company and one of their representatives suggested that I fill out a customer dispute form which was sent by mail and the postal mail from XXXX XXXX has been overworked because of the pandemic, but since I only had ten days to send the dispute, they also recommended that I download it directly from the website. I proceeded to download the dispute form and filled it by hand and send it via fax ( XXXX ) as the email did not allow me to send a document that was larger than 10mb. Then, I contacted one of their representatives to confirm that the fax had arrived and they gave me assurance that it had arrived. They told me to give it 1-2 days in which it was verified and when I contacted me again they told me that the dispute had not gone in my favor since the other financial institution had received the money. After all this, about two days later, I received an official letter in which it said that no error had occurred and that my case was denied and closed. I contacted one of her representatives and I asked her if I could take this to the court and she informed me that as a client I have all the right and she also told me that i could call the next day so I can speak with the accounts department so they could give me information about the other financial institution that received the money so I could called them and ask a reimbursement of the money.

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