vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: ID

Complaint narrative:
Comerica Bank sent me a notification via mail on XX/XX/22 that a checking and savings account was opened up with my name. 
It included personalized checks. 
Account # XXXX Routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The JPMChase British Air Visa card has a problematic " Float Pay '' program that is implemented in a fashion that is abusive. Payments made to the card are often not reflected in credit availability for sometimes up to 15 days. 

The bank claims that this is to insure clearance of funds from the paying bank. However, when Chase is withdrawing from my other bank through ACH, there is no excuse for any delay as the reduction from my bank account reflecting the payment to Chase is immediate. 

The implementation of this policy must change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Siggi LLC
State: TN

Complaint narrative:
Omni financial has destroyed my credit. When I was stationed at XXXX XXXX they made me give them my payroll information from dfas as well as my banking account info. I was recently told XXXX was sued for violated MLA laws, as well as violated EFTA and the CFPA laws. They charged me interest on my loan that was twice the amount of the loan itself. Theyve been reporting on my credit for years. I refused to pay my last payment of {$100.00} dollars, and attempted to fix the issue at a location by paying on the spot in the store but was turned away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
TransUnion is refusing to investigate my identity theft claim citing that that identity theft is not " valid ''. I submitted my Identity Theft Report from the Federal Trade Commission to TransUnion and TransUnion is stating that report is not valid. TransUnion is violating my rights as a consumer and is willfully enabling Identity Fraud. I am once again attaching my ID Theft Report from the FTC and my letter. TransUnion required by law to investigate my claim and block and delete the items listed within 4 days and it has failed to do so. TransUnion is guilty of enabling Identity Fraud.

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 2022-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Back when covid started I lost my job. My mortgage company told me about the " Cares Act. '' They told me I could skip my monthly payments ( for a specified amount of time, 1 year in my case ) and that those payments would be pushed to the end of my loan after the year and I would just resume my normal monthly payments of XXXX per month. 

When the year was up I sent in my normal monthly payment and they sent it back to me telling me I had to pay all those skipped monthly payments ( XXXX ) in one payment to get the loan current and that they wouldn't accept any payments until that was paid in full. I told them there was absolutely no way that I could ever do that even though I can now afford my monthly payments that were XXXX per month. Now they are saying they can not do a modification in my loan either because I dont make enough money ( XXXX ) per month. 

I feel like since they lied to me about putting those missed Cares Act payments to the end of my loan they are basically scamming me into a foreclosure or into selling my home. I have been in the home for 16 years and I am under a VA loan as I am a United States XXXX XXXX XXXX who is alone in life. I can not be thrown into the streets without a home. Can you please help me?? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL. 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2022, I received a text and an email from Chase Bank verifying a purchase I made. I approved the purchase via both methods. Later in the day, I attempted to make a purchase ( {$95.00} ) from XXXX XXXX and the transaction was declined. When I contacted Chase the first time, I was placed on hold with dead air for 20 minutes. This happened a 2nd time. The third time I called, I made it very clear that I needed to speak with a person right away. I was connected with fraud prevention. I explained the situation to the specialist.

The specialist had to verify my identity, however in order to do so, they had to call me on my cell. I explained to the specialist that there was a call filter on my phone which prevents XXXX numbers from being able to contact me ( due to the amount of spam calls, etc. ). They tried anyway and then stated that I would have to call THEM back. I called the number given and received another specialist, in which I had to explain the entire situation again. This person asked if I could remove the call filter. I notified them that I could try to do so, however there was no guarantee that it would be in effect immediately. XXXX sent an email stating it could take up to an hour. I called fraud prevention a 3rd time and was told that I had to go to a physical branch.

Upon going to the branch, the two gentlemen called fraud prevention and asked to speak to a supervisor. The supervisor then spoke to me and attempted to call my phone again, after explaining for the nth time that there is a filter on the line. The supervisor then asked me to call them ( again ). I did so, while the two Chase employees stayed on the phone with the supervisor. This time, the specialist I was talking to verified my identity with one of the credit cards I hold with Chase and via all the purchase amounts within 24 hours. The supervisor was then able to verify my card was unlocked. 

I went to make the purchase from XXXX XXXX again and the card was still locked. I called Chase again, asked to speak to a supervisor, who said that they could only verify my identity via my phone number. I had to call the branch again and the gentleman who helped me previously had to call fraud prevention AGAIN and resolve the issue. 

I could have been in an emergency situation needing to order a rideshare service and wouldn't have been able to with my card being locked. I had verified the purchases. This is MY MONEY and access to it is my right. By denying me access to my funds and having ridiculous methods in place to verify an identity without a backup method on the organization 's part is disturbing. After this ordeal, I will be pulling my business from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NV

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC is attempting to collect a fraudulent debt I have no obligation or contract with said corporation furnishing this account on my consumer report is a violation of 15 USC 1692j I never MADE a consumer credit transaction with LVNV FUNDING LLC. Therefore reporting this account to my consumer report is using false and misleading representation of there character and doing so to collect on this fraudulent account is also a violation of 15 USC 1692e ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I enrolled in Navy Federal 's OOPs overdraft protection program and Navy Federal did not cover any of the transactions accumulated in account during the last month of enrollment. The beginning of the issue was initiated by a XXXX account that was linked to my Navy Federal account. XXXX had attempted charges multiple times on several transactions and Navy Federal charged for overdraft fees accumulating over {$600.00} for transactions that was declined and did not pay for the transactions. Just for declining the transactions. I called Navy Federal on 2 occasions and was told that while it was evident that I did have protection on my account however it was nothing that could be done because my account was due to be charged off. I asked about removing XXXX to prevent them from attempting future debits and I was advised that I should consider fraud which would be illegal for me to do considering that I linked my XXXX account and initially gave permission to XXXX. I just wanted to revoke further privileges. On both occasions, Navy Federal employees demanded I pay the money out ( {$29.00} per 26 transcations0 because I was in the wrong even with protection on my account and {$0.00} actually being paid out to cover charges. My protection was not active and I am being liable for such which is unfair practices. I have since been denied online bank statements in order to compare my details to Navy Federal. I have been a costumer of Navy Federal for over 14 years, maintained over 7 different accounts with the institution, and have never experienced once had an issue especially an accountability with them until this instance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  dealer services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Please include both Capital One and XXXX XXXX in this complaint with your department. I have applied for a credit limit increase with both Capital One and XXXX XXXX. I have been denied a credit limit increase by both Capital One and XXXX XXXX. Capital One most recent denial was XX/XX/XXXX, XXXX XXXX XXXX does not have an option to request a credit limit increase online but have denied me when I asked over a phone call. I do not recall the dates I requested a credit limit increase and I did not receive an adverse action notice for their decision to deny me. The representative said they do not offer higher limits than what my accounts already have. If they used my social security account number on the application then my credit limits should not be restricted. Both companies compelled me to disclose my social security account number which allowed me access to my own credit but they have refused to increase my credit limits per my requests to do so. Refusing me a credit limit increase is an adverse action according to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) of the Fair Credit Reporting act which states it is adverse to the interests of the consumer. XXXX XXXX and Capital One have violated my right to privacy by making reports of what should be my private accounts and transactions without giving me an option to opt out of such reports. This is a violation of both the Fair Credit Reporting Act and the Gram Leach Bliley Act. They have reported negative remarks to the bigger consumer reporting agencies which have caused me several adverse actions over time. They have caused my score to drop many times because I do not carry balances or because I do not incur debt often enough or because I have made a couple of late payments which is rare. I did not consent to them reporting any information much less any adverse remarks to any consumer reporting agencies. My transactions would not be public information had they made proper disclosures of my rights or had they had respect for my privacy. XXXX XXXX has placed an additional fee for adding an authorized user. I should not be charged to allow my wife access to my credit. All transactions I make with these corporations are for personal, household or family purposes only. I do not use my credit cards for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
I sent my letters off about correcting my personal Information and it is still wrong. 

I don't want this on my credit report. 

According to the Fair Credit reporting Act 15 USC 1681, I have the right to privacy.

Also according to 15 USC 6802. 

No financial institution is not suppose to share my information to any third party people. 

These are clear violation of my federal protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have missed a couple of payment. my mortgage company is trying to work with me. 
My major complaint is that I believe that the USDA loan was approved when it should have not been. there are many issues with this house. there is moisture under the sink in the kitchen which is causing the wood to dry root and a nasty smell possible mold. I asked the inspector to check for rodents and believe he did not as I asked. I have encountered 4 rats 3 of which was already living in the house before I moved in. The main bath has rusted fixtures. the deck wood is moist of which may cause more rats. My lawn guy has found a rat nest that was in the front of the house. there are holes that I was unaware before I signed the contracts, that I have found since I've lived here. I am a senior and believe I have been taken full advantage of. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I opened an account with XXXX XXXX XXXX on XX/XX/2014 and I set up an autopay on the account. The last payment that I made was on XX/XX/2014. Per the FCRA guidelines, an account can only be reported to the credit bureaus for 7 years from the date of first delinquency on the account. I filed a dispute with XXXX and XXXX because they were incorrectly reporting the date of last payment on my account. From my understanding, the company continued to try to debit from a checking account that was no longer being used and therefore no longer valid. The company was trying to say payments were being made even though the payments were returned for a period of time. I submitted a dispute to request that my last payment accurately reflect my ACTUAL last successful and received payment. The company did an investigation and indeed updated my date of last payment to XX/XX/2014. Based on this update, this account is required to be deleted from my credit report because it has been 7 years from the date of last payment. Ive disputed multiple times and even though the date of last payment is now accurate the company refuses to remove and delete the account from my credit report. Ive spoken to XXXX and to XXXX and keep asking them to remove the account from my report being it is now older than 7 years. I am filing this complaint as a last means to have this information deleted. If it is not, I will file contact the States Attorney General and have to involve a lawyer. Please see attached dispute results. You can clearly see that the investigation updated the date of last payment to XX/XX/2014. This means that this account MUST be deleted since it is 7 years past the date of last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One took {$1100.00} out of my bank account. I have three Capital One accounts, but I do not owe an {$1100.00} debt on any of them. I contacted Capital One and asked why they collected this debt from my checking account, and I offered to provide the confirmation / receipt number assigned, but they refused to assist me. They told me they could not look up the payment or provide me an explanation of why it was taken from my account even after I offered them the confirmation number that was showing on their payment in my bank statement. I would like the CFPB to find out why {$1100.00} was taken out my account. It was taken out in two increments one for {$500.00} on XX/XX/31 and one for {$600.00} on XXXX. 

I recorded the conversation with XXXX and disclosed to them that I was doing so. I can provide the recording as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a complain about Capital one Credit card. they closed my account and make it charge off without any reason. I paid as agreed. but they report my account as charge off. I charge {$2200.00} on XX/XX/XXXX XXXX and I paid off everything with in 30 days. but still they make my account charge off and close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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