vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I am very upset, the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/XXXX and XX/XX/XXXX XXXX it's more than 60days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My home loan was sold to PHH Mortgage and they didnt set up an escrow account, causing our home insurance to be canceled. Theyre non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I called on XX/XX/XXXX to ask if I could make arrangements to lower the payment amount and extend the payments out and was laughed at. The customer service representative was foreign and would not repeat his name, but said " What do you expect when you take our loan ''. He said they will continue to take payments out and it id my fault for having bad credit. This loan has a 400 plus percent interest rate. I realize I am at fault for ever having the XXXX to take it out, but to be talked to like that .... I wish these businesses were not allowed to even operate. To charge such outrageous interest and then speak to customers like that- they have full access to your account and will make zero effort to help if you are facing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello there, I wanted to reach out please because I was charge for capital one member service fee in XXXX which I know I had reached out for an asked for a courtesy removal, the removal was never made in my account went delinquent and I had no idea, I received no phone calls or emails or any alerts! This is never happened before, I never use this account nor did I receive any alerts whatsoever. its unfair that because of the service members fee that capital one charged, my account went Deliquent which is unlike me and never even use this card! Please, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a FTC report on fraudulent activities that have occurred on my credit profile more than 45 days ago and I have yet to get a response from the bureau on the results and they have not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the 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.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have recently received a copy of my report from Chexsystems. I wrote XXXX  XXXX XXXX and filed a complaint with CFPB writing to dispute the following false information reporting in my file. I have circled the items Account # XXXX and Account # XXXX stated it was closed down due to fraudulent activity. I have recently disputed this with Chex System and XXXX XXXX, this is inaccurate information reporting on my report. Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 

In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account ( s ). The copies of the records can be mailed to me at the address listed Above or emailed to me at XXXX. In addition, please make these records available to law enforcement upon their request.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified by XXXX XXXXXXXX XXXX on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with XXXX XXXXXXXX XXXX. I tried to call, but since I did not have an account number I could not access their voice system. 
One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. 

On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the XXXX XXXX XXXX XXXX. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from XXXX XXXX XXXX with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted XXXX XXXX  XXXX at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems Experian received the credit inquiry. I tried contacting them on XX/XX/2021 but their phone system won't let you speak to a person. I had a freeze on my account. Why was XXXX XXXXXXXX XXXX able to issue credit in my name with a freeze in place. 

I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through XXXX XXXX XXXX XXXX as this is a federal crime. 
I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, XXXX  XXXX Subdivision Name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
My debit card have been stolen on XX/XX/XXXX middle of the night & a XXXX $ At XXXX & XXXX $ At XXXX Withdrawal out of my account and on XX/XX/XXXX a XXXX $ withdrawal at XXXX and a cgt debit transfer XXXX was transferred out my account, all my money was stolen from this male name XXXX XXXX on XXXX  when he came to meet my sister at my hotel XX/XX/XXXX going on XXXX when i realize my card was gone

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 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX my tax refund was deposited into the wrong bank account at Citi Bank. 
when i discovered that a mistake had been made i contact my tax preparer and they gave a trace number to ask Citi Bank to trace the funds. Citi Bank told me they couldnt do the trace that the who ever sent the ACH deposite had to call and request a trace. XXXX XXXX did what they asked. CITI bank response was that i have received the fund and had withdrew them. which is not true. but when i spoke to citi bank they told me that this account do not exist. that money should have reverse back to sender but they never received it. That ACH deposite was in the amount of XXXX made on XX/XX/2021. Then they said the account do exist and the money was deposited in that account and the couldnt reverse it back to them. when i spoke to them they told me that they couldnt find the money. On XX/XX/XXXX my stimulus check was deposited into the same account. when irs did a trace they told them i had received the money and that was my account and it had all my information for that account. my stimulus check was for XXXX after all this took place they closed my account.CIti Bank has taken XXXX from me. This the tracking number that XXXX XXXX bank has given to me XXXX. Hope all this make since. i been dealing with this since XXXX. Wrong account and this cant get no help from CITI BANK

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 2021-11-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was fraudulently charged {$50.00} on XX/XX/XXXX, on that that day I spoke to a supervisor and was told that my money would be back in my account in three days. This did not happen. I called back on XX/XX/XXXX and spoke to a person by the name of XXXX who made no effort to resolve the problem. I would like my money back.

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 2021-11-11 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX BANK OF AMERICA and XXXX XXXX XXXX XXXX Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// BANK OF AMERICA and XXXX XXXX XXXX XXXX did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

BANK OF AMERICA and XXXX XXXX XXXX XXXX failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) BANK OF AMERICA and XXXX XXXX XXXX XXXX are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.

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 2021-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I represent myself. I sent a cease and desist and validation of debt, Synchrony received it on XX/XX/2021. Synchrony sent a letter XX/XX/2021 and did not answer any of the questions on my audit request. It has cause so much XXXX and XXXX because I exercised my rights as a consumer. Under Title 15, Synchrony has committed misleading, deceptive acts. XXXX XXXX. I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. 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 2021-11-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
XXXX, 2021 to present day XXXX, 2021. Net spend skylight has my pin blocked on my permanent card they had sent me in the mail. I had just transferred the funds from my temporary card to my permanent card XXXX XXXX, 2021 used for one week and it's blocked... i have continually sent them document after document through emails and constantly it is too dark, my ss. CARD is not the right color. They ask for a copy of bank statement. My I.D . HAS been sent numerous times and can't even tell me if there is money in there 3 of my pay checks are in there. And Will not release it.

This is the no. I callXXXXXXXX I will have to move unable to pay my rent... i have no money. I have to borrow to eat ... ..its XXXX ridiculous

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
For the past 24 Months Chase has been charging me for overdraft fees although I'm not enrolled in their overdraft protection service plan. I had no idea that this was occurring until I looked at previous bank statements, but I was aware of the recent transactions. The two most recent were on XX/XX/XXXX and XX/XX/XXXX when both times my account was already over drawn by more than the {$50.00} ( $ XXXX on the XXXX ) or less overdrawn by the end of the day policy where the fee will not be charged. From XX/XX/XXXX-XX/XX/XXXXChase has charged me {$610.00} in overdraft fees. This was done without me enrolling in the overdraft protection plan as well as against their overdraft service for overdrawn accounts by {$50.00} or less. I've reached out to the customer service representatives about this issue to either have my concerns unanswered or simply stating that the fees will not be reversed. Since this is a service that I never agreed to nor was the overdraft of accounts overdrawn by {$50.00} or less dollars followed, I want all fees that were unlawfully charged and taken from my account returned immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the 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.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank took over BBVA. PNC won't let me get my banking history. I have asked them but they will only give me 3 months worth. I need my banking history for tax purposes. Can you help me get my history from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX was my previous lender. I refinanced in XX/XX/2021 with XXXX XXXX XXXX. Both lenders paid my XXXX XXXX Property Taxes. I have been trying to get the {$2400.00} refund from Freedom Mortgage for over 6 months. This was money taken from my escrow. 

I called XXXX XXXX Assessors office and spoke with XXXX, she said they did not receive the money from Freedom Mortgage. Bottom line I am asking for your help to get the money owed from Freedom Mortgage.

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have no account with them. They will not stop calling despite numerous requests to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found out that Kohls/Cap One added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Kohls/Cap One for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CITIBANK, N.A.
State: LA

Complaint narrative:
yesterday on XX/XX/XXXX i received a hard inquiry from a CBNA company that i know nothing about i didnt fill anything out that can be on my credit report as of now i really don't know where it came from and hoping it can be raking off 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 non-monetary relief