vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This complaint is for every consumer who has had heartache in dealing with Capital One card services. Also for any attorney that is willing to take on Capital One as I am searching for legal help. Capital One has not only discriminated against me, but also retaliated against me. The CFPB has not helped me here, but feel free to reach out to me at XXXX with your Capital One stories. Capital One closed a well established Kohls credit card that was XXXX years old due to inactivity. They know what the 10 or more point drop does to our scores. No notice which all other cards lets you know to use them or loose them. They kept the card at {$300.00} limit & would not increase it for 6 years! Capital One knows keeping it low means if I spent {$150.00} that is a 50 % credit utilization and impacts our scores in a quick and negative way. I sent a goodwill letter of intent to Capital One after missing 1 payment. At the time I forgot as I was undergoing an operation at a XXXX treatment facility. Not only would they not forgive it they purposefully did not remove it from my boyfriends credit report for months later damaging his credit score too! To boot they never increased the limit from a meager {$1000.00} knowing how credit utilization will quickly impact our credit scores! When I went to the CFPB Capital One seemed embolden to do more damage. I warned the CFPB Capital One will retaliate & they did. They closed a good standing recently used sister card the Walmart credit card. They damaged my score again & my boyfriends as he was an authorized user too! They denied a credit increase due to not being used enough & when used they then flagged the account humiliating me while out to dine. Then a customer service rep who could not even articulate she understood the reason for my phone call required me to give XXXX my sensitive info like my drivers license! Like I would give Capital One whose recent hack was by a software engineer who stole information relating to millions of customers! Regulators say the bank should have had better protections. What does the CFPB have to say? This is suppose to be a consumer protection entity NOT a corporation protection entity! They retaliated against me & I have the proof all documented through the CFPB here, see for yourself the past complaints & lame responses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: SC

Complaint narrative:
it has come to my attention that equifax is refusing to remove false and misleading item from my consumer report. it has been months and they still refuse to remove these negative items from my consumer report. i have read the article that they are giving consumers low credit score which is true my score is not accurate and should be higher i have sent them proof that these items are not mine for months and still refuse to remove them. Pursuant to their data sharing policy under consent they admitted that they get my consent without me even knowing when it must be made clear that they are i am requesting that they send me a copy of this consent for it is raising my concern. The XXXX XXXX must be removed from my consumer report it was told from the collection company that it is to be deleted the inquires stated in the ftc report are not mines i never gave them consent nor authorized the inquires they are not factual and must be removed but when i resubmitted the report you tell me that they are not removing them at this time remove them immediately and XXXX account is a consumer Credit card transaction and is excluded from a consumer nor was i late remove immediately. you are civilly liable for refusing to remove these negative items. This is not a error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I got an alert by XXXX XXXX and noticed my Credit scores had dropped for both XXXX and XXXX XXXX. It was then that I saw my Honda Financial Services Account had been removed from both XXXX and XXXX XXXX. This is the second time Honda Financial Services does this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: FL

Complaint narrative:
My information was exposed in a data breach I don't owe these people anything nor have I contracted with them please direct them to cease and desist and stop contacting me. I don't give them permission to share my personal identifiable information with any third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I went to Wells Fargo bank branch this morning located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I had an appointment at XXXXXXXX XXXX and came with my attorney XXXX XXXX. We presented the Letters of Administration with the death certificate for my late husband and wished to retrieve the funds in his savings and checking account. I am appointed Personal Representative of his small estate. The funds are less than XXXX. The representative asked me for identification and I presented my Maryland State ID, which expired in XX/XX/2021. The rep said she could not continue since my ID was expired. My attorney asked to speak with her manager because I had other forms of ID. The client manager appeared and said she could ask the legal department on the phone if there was something else that could be done. I am XXXX years old, hard of XXXX, and I have XXXX issues. This is one reason why I needed an attorney to assist me. But the client manager said she could not do anything until I got a current state ID. It is not easy for me to get around. I have an aid who helps me. I do not drive and I do not have email. My attorney requested that an escalated complaint be filed and the client manager filed one. She would not provide my attorney with a printout or a copy of the complaint but gave her a number : complaint ID XXXX -- XXXX. When she asked me how I would like to be contacted, my attorney told her to contact her but the manager said they could not since my attorney is not the PR. My attorney explained that she is my voice and my advocate. My attorney offered to write an affidavit to confirm I am who I say I am but the bank would not accept it. I am requesting that Wells Fargo close my late husbands checking and savings accounts and issue a check to me according to the laws in Maryland. You can contact my attorney for additional information and documentation. Her phone number is XXXX XXXX XXXX and her XXXX is 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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/2022 I received a text message from the bank saying I changed my password. I noticed that money was being transferred to XXXX different accounts. I didn't not receive any requests for my pin number to be used which is the normal way of sending money. So I contacted the bank Cash App to let them know immediately. There was XXXX transactions and I filed a dispute. The bank completely a investigation and the results are they are refusing my disbute. I let let the XXXX know that I do not know these people and my tax monies have just been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In the last 2 month, 2 negative accounts were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and Experian removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. As of today the creditor has now fraudulently changed the opened dates and re added them back to my Experian credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have now changed the first reported delinquency to XX/XX/XXXX. This is fraudulent and inaccurate. These accounts are over 20 years old, and the first reported delinquencies happened over 18 years ago. they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. Ive tried to get Experian to re remove the accounts as they did 2 months ago, and theyre telling me that they dont have the ability to remove the accounts, even though they removed the accounts 2 months ago for being too old. They have also told me that they cant look at the results of previous dispute that I filed with them 2 months ago that confirms the original reason the accounts were removed from my credit report even though I can see the dispute results when I log into my account on their website.

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 2022-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: OH

Complaint narrative:
I have requested that escrow not be held on my loan. I filed the request on XX/XX/XXXX and have yet to receive an answer. I have called at least 4 times without success. I have been told today that my request was denied on XX/XX/XXXX, but I haven't been notified. 

I was also told today that I must meet the following requirements for escrow to be waived : - LTV of 80 % ( I originally put 30 % down ) - no delinquencies on my account ( the customer service rep I spoke with confirmed that there were none ) - no loan modifications ( there have been none ) - no previous defaults of escrow accounts ( there have been none ) In spite of trying to clarify these points, my customer service rep was told by her supervisor to stop helping me as this request was denied. As I have no notification of that, I have requested the denial in writing. I was told that I need to file a complaint that I hadn't received an answer to receive an answer. This seems very unethical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I Wrote and I asked for Debt Validation from Wells Fargo. Wells Fargo didn't respond in the first 30 days. I asked again then they sent a letter says they are not able to verify. I filed a complaint with CFPB about the issue which the information is inaccurate and in consistent and the they didn't respond within the XXXX XXXX days. upon responding to the complaint from cfpb the representative wanted to ignore certain facts such as the amount reported to each buearu is inaccurate and that is a direct violation and require immediate delete. He wanted to send verification when in fact they had more than 60 days to verify the debt and again another violation ignore the time and the law and insist on his position even when the facts are not lining up! Slandering peoples credit has a high cost. and Wells Fargo as a financial institute it's in their advantage to ruin people 's credit to charge higher interest rate. double the crime.

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 2022-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Hello, I have contacted Experian to correct my credit report. I sent them a certified letter requesting them to remove incorrect addresses from my credit report. They removed some of them, but several addresses that I do not live at are still showing on my report. I only have one address and I only want accurate information on my report. I am concerned that someone could gain access to my personal information if they tried to reach me at an address where I do not reside. 

I am simply requesting them to have only my accurate address on file and not any other addresses. 

Thanks

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 2022-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have done everything in my power to make all the necessary arrangement with the Bank, when I found out that my ex-husband was not providing with the payments to XXXX XXXX XXXX XXXX back in XXXX, and according to the Bank they were not able to provide to me with any information about the status of the Mortgage since the loan was under my ex-husbands name : XXXX XXXX. Unfortunately, was going thru XXXX XXXX and unable to obtain any information from him until XXXX XXXX XXXX offered me the help to resolve my situation, but they stated if I get the Divorce will be easy. 

Back in XXXX I went to Court to be able to obtain a Modification with the Bank and take over the Mortgage but was transferred to XXXX XXXX XXXX  and they stated that they still need XXXX XXXX signatures on the Loan Modification for me to continue with the process and payments. Unfortunately, XXXX XXXX was refusing to sign anything that concerns with the Property, or to go to Court to make any arrangements. XXXX XXXX XXXX advised me to get the Divorce and the Lawyers, and the Court will mandate it to sign off the house to me, and I will continue making the payments or obtain the Loan Modification. My goal was to keep the house and continue making the payments, but everything was delayed due to COVID-19 pandemic situation. A new Deed is recorded in XX/XX/XXXX under my name : XXXX XXXX XXXX. 

XXXX XXXX XXXX offered me the help with the Foreclosure and advocate with XXXX XXXX XXXX in assuming the Loan and apply for the Loan Modification under my name : XXXX XXXX XXXX and my daughters name : XXXX XXXX XXXX in XX/XX/XXXX. According to XXXX XXXX from XXXX XXXX XXXX : Application and Documentation was submitted In XX/XX/XXXX, but for some reason, application and documentation was re-submitted again in XX/XX/XXXX. No word from XXXX XXXX XXXX or XXXX XXXX XXXX until XX/XX/XXXX. when XXXX XXXX, Paralegal from the Prevention Unit, called me to tell me that Loan was denied and the Bank will put the house for sell, but I received a letter from the XXXX in XX/XX/XXXX that the XXXX granted the date for an extension for XX/XX/XXXX. ( Who should I believe ) My concern in this situation is that XXXX XXXX XXXX is refusing to speak with me as they are only corresponding with XXXX XXXX from the XXXX XXXX XXXX, but the Bank is not only refusing to provide me with any answers or other alternatives to save my house, but correspondence is coming from Mr. Cooper where this Institution is explaining about the denial, and the letter is addressed to XXXX XXXX XXXX. Nothing is engaged to me ( XXXX XXXX and my daughter XXXX XXXX, about the denial on the Loan Modification as the Applicant and Co-Applicant. I will have to consider myself a Victim of this Institutions in regards of the Mortgages Cases, being the XXXX homeowners. 

Sincerely and respectfully, XXXX XXXX XXXX XXXX # XXXX Address : XXXX XXXX. 
XXXX NY XXXX Phone # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 someone named Her ( XXXX XXXX  ), who I have never heard of, made four requests from my Cash App, all for {$1000.00}. I got emails from Cash App at XXXX, XXXX, XXXX and XXXX regarding the requests. The first three were refunded by Cash App at XXXX, XXXX XXXX and XXXX XXXX with the message : " For your protection, your {$1000.00} payment to Her was refunded. '' The fourth attempt was completed without a refund. 
At XXXX I was sent an email saying- " XXXX ( my email ) has been unlinked from your XXXX account. If you did not request this change, please let us know, '' but I was not at my computer or phone then. I contacted Cash App as soon as i realized all of these transactions were going on and that I did not request my email to be unlinked. I was told by Cash App Support that the scammers then added the email XXXX to my account. I filed a formal request for support at XXXX XXXX  on XX/XX/XXXX. I was told that someone from investigation department would contact me about the incident. 
No one ever spoke to me in an investigation. This all happened in one afternoon, without any knowledge of mine. I contacted Cash App as soon as I found out about it. 
I was told by email on XX/XX/XXXX that my appeal was denied and that I authorized this person to have {$1000.00} taken from my account, without anyone ever contacting me from Cash App. The email said " My name is XXXX with Cash App Dispute, thanks for reaching out and I appreciate your patience while I reviewed your dispute claim. 
Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. '' I filed an appeal to this decision and was told by email on XX/XX/XXXX " After reviewing your account, I was able to verify that the payment reported in this case has already been reported previously in case XXXX and they already provided you an answer regarding this dispute. Unfortunately we can not treat the transaction differently, review the previous case to know how to move on forward. I am confident that we have provided you with the correct information based on the information we've discussed, and we may not have additional details to provide. that since my case had already been decided that nothing could be done. " I do want to emphasize that I had supportive contact with customer services people, who referred my case to Cash App disputes who were to contact me about the situation, but never did and made their decision with no documentation. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a Bank of America prepaid card for XXXX XXXX back payment deposits in XX/XX/XXXX. On XX/XX/XXXX and XXXX my account account was fraudulently used to transfer XXXX on both occasions to a fraud account False information was entered into my online accountemail, bank XXXX, and phone number. I cancelled the card and opened a claim. The claim number was XXXX. 
On XXXX, the transfer from XXXX was reversed and restored to my account. 
However, Bank of America denied my claims to reimburse the stolen funds of XXXX from XX/XX/XXXX. I requested a reconsideration on the first claim for XXXX and it was denied a second time. 

On XX/XX/XXXX, with a replaced card, the account was compromised and this time a fraudulent transfer of XXXX was made using a fraud bank account. My account had been compromised with a false account number, email address, and phone number. All of this I could see under my profile information. I made a claim/dispute on XX/XX/XXXX. The claim number was XXXX. 

I provided Bank of America with the fraudulent account number ( I could see it in my online account ) and the fraudulent phone number. 

On XX/XX/XXXX, I called Bank of America for status and was told that the claim was denied. 

I cancelled the card again and received a new one, which I am afraid to activate in case the same fraud reoccurs.

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 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a " XXXX XXXX '' credit card through chase. In exchange for the annual fee, I am supposed to get a free hotel night. I received this benefit in the past. However after the fee at the end of 2021, I did not get this benefit. This appear to be a technical problem, but during my call with XXXX they locked my account and each time I call and explain the problem, they hang up on me. They demand a photo ID with current address though it is not mandatory in Illinois because XXXX are not operating at full capacity and I have provided them with the online address change acknowledgement letter from XXXX as well. While Chase representatives understand the problem, their claim is that they have nothing to do with XXXX, though they charge the fee in return for the services XXXX doesn't provide me.

Company response to consumer: Closed with explanation