vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is an email I sent to Kohl 's Manager, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXXyear-long Kohl 's account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my Kohl 's payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with Kohl 's. 

Surprisingly, Kohl 's didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with Kohl 's, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX - XXXX XXXX Balance : {$13.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$80.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$13.00} XXXX XXXX Balance : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I would like to let you know the emotional support and trauma I experience from the popular bank. I opened an account with them, and I later saw that their banking system did not meet my expectations. After one month I called them to close my account and they insisted that I must pay XXXX dollars to close my account. I never seen where someone wants to close his or her bank account, he will be charged to close you an account. This is fraud and not a business integrity. I called them several times to close my account. They refused until I paid XXXX dollars, they later closed my account without me paying the XXXX dollars, but they frustrated me, embarrassed and harassed me with illegal charges and I don't deserve it. I think they are requesting XXXX dollars because of my race or origin or tribe. I can see a discrimination. They get upset and refused to close my account because I am leaving them. I told them on the phone if they refused to close my account and remove these XXXX dollars, they are charging me illegally that I will report them to government they hanged phone on me until I went to their store and insisted that they will close my account before they finally close it. This brought me a lot of anxieties. They cant discharge my case or get away with their bad way they treated me because they harassed me with XXXX dollars I dont own them. They are not honest, they saw that I am low-income individual, and I am struggling, and they that are wealthy are forcing me to pay XXXX dollars I dont owe them because I decided to leave the company then they get upset for nothing. Even if it's a new account no one pay to leave a bank and I have right to leave the bank if their banking system doesn't meet my requirements. They can't get away with their bad treatment on me and I will never agree about the way they bullied and harassed and threaten to pay XXXX dollars and they must tell they government what they did to me and how they treated me on the phone to pay XXXX dollars on the phone to close my account, I cried all week because of this harrasement. I will never agree or let this go and they can't deny it because our conversation was recorded by them several times, I called them requesting to close my account and they insisted that I must pay for XXXX dollars. This is fraud. They wealthy already and want to get XXXX dollars from me who is struggling to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
This is more to add to complaint ID : XXXX Chase Auto called on XX/XX/2023 and told us they found the error and that the funds we paid were applied to the wrong account and the repossession was invalid. The gentleman I spoke with told me that the car would be towed back to my home on Thursday, XX/XX/XXXX, or Friday XXXX. I heard nothing by late afternoon from Chase on Thursday so I called them and they said that they are working on getting the car released back to me and will call the next day. I called again today ( Friday ) because once again by the end of the day, I heard nothing I was transferred to 4 different departments in Chase and no one knew what was going on. The car is supposed to go to auction On Tuesday, XX/XX/XXXX. I am trying to prevent that from happening because that will be another huge mess to deal with with a company that doesn't care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
This collection debt came from : TSC Accounts Receivable Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX tscarsolutions.com Debt is from XXXX XXXX XXXX account number XXXX owed as XX/XX/22 amount {$110.00} interest charge {$12.00} total : {$120.00} My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX I called XXXX XXXX XXXX both locations XXXX XXXX and XXXX XXXX and there's no record of me ever being a patient in those urgent cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
This issue is regarding my escrow account and mortgage amount. My city, property taxes, and home insurance did not increase for the year, XXXX. But Carrington ran the amortization using a projected increase and therefore, increased my mortgage using that inaccurate projection. However, I tried to prevent the increased payment by paying {$1500.00} directly into my escrow account on XX/XX/XXXX. I then asked for a new amortization. The company did so and sent me a check in the amount of {$1000.00} on XX/XX/XXXX, but still they increased my mortgage payments. My starting mortgage payment in XX/XX/XXXX was {$680.00} which it has been since Carrington took over my loan. My payment increased in XX/XX/XXXX to {$780.00}, then it decreased in XXXX to {$740.00}. And even though my payment decreased after the inaccurate increase, I feel that {$740.00} is also inaccurate. How can there be an Escrow shortage, the reason given for the increase, when I received a check in the amount of {$1000.00}? I would like this issue investigated to determine if my mortgage payment amount is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AP

Complaint narrative:
I applied for benefits via EDD and was approved they have been depositing funds to my prepaid debit card. Due to the fact that I lost my card I had to request a new card Bank of America. I have called and requested a card several times to let them know that the address they have for me on file is not correct and it does not match what EDD has, they tell me that they have no control and they have the address EDD provided them. EDD tells me to contact bank of america.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The wrong amount is being asked for. They have the correct amount on the ledger. They know the amount to the XXXX. Upon speaking to a representative they advised me that they want to first validate the debt. They said they will contact me with the results and if needed I could present proof of correct amount. They did not attempt to call me to ask for the correct amount, nor confirm with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have had a Capital One credit card for at least 6 years and maintained it without being late despite many hardships over the years. I obtained a prepaid Capital One credit card last year after responding to an offer. 

The other week I logged into my Capital One app and account for my routine daily checks and maintenance to discover that a " restriction '' had been put on my account. Within minutes I also received several email alerts from credit monitoring services that an account had been closed. 

I never received any emails, letters ( not until a week later ), texts, etc. Capital One never communicated to me in any fashion or gave any kind of warning. 
The accounts were temporarily over the limit, but I do not see why you would take such extreme measures without any warning for this. 

The account that was closed that I had for 6 years was one of my oldest accounts and will thus have an unfair excessive negative affect against my credit ratings given the way the algorithms work. 

Their sudden and arbitrary actions against my accounts was added bad news and stress that I did not need nor deserve! 

The case that I am making is that Capital One should have relayed some sort of warning or pre-communicative measures BEFORE taking things this far!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I mailed a ceritified letter which I have attached toTransunion to request the proper verification for the below accountsTransunion claimed to have investigated. Instead of sending me what the requested/ required documentation Transunion sent out a letter explaining the dispute process. This is a stall tactic rather than doing what is constitutionally right. Is Transunion saying that they supersede civil and Federal law and are unwilling to provide me the conducted your investigation and provide me with the method of verification for the accounts mentioned in the attached letter that was sent certified to Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is an email I sent to XXXX XXXX XXXX, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXX XXXX XXXX account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my XXXX XXXX payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with XXXX XXXX. 

Surprisingly, XXXX XXXX didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with XXXX XXXX, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I was approved by Rocket Mortgage for a 30-year mortgage in XX/XX/2023 for a {$340000.00} condo in XXXX, DC. After receiving full approval to receive the loan, and paying for a home inspection for the condo to close on the sale by XXXX XXXXXXXX XXXX a Rocket Mortgage underwriter without much notice froze the loan until I can get a letter showing that the dividends I receive from my family 's legacy company will continue for at least 3 years. I provided the letter that the loan officer said would resolve the underwriters ' issues on XXXX XXXX after already sending a separate letter days earlier that the underwriter said needed to include additional information. But on XX/XX/XXXX, the loan officer was told by another underwriter that the letter would no longer suffice, and they now require proprietary information about the company 's earnings and accounts. Indeed, there seems to be no criteria for satisfying the underwriters ' requests, which appear to be capricious and somewhat arbitrary. As well, the underwriters ' continue to change the criteria for the loan, even though my income had been documented upon receiving approval for the conventional mortgage. And there appears to be conflicting opinions between the loan officer and the underwriters on what requirements would suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately. 

The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not. 

Creditor Name : Southwest Credit Sys Date of Inquiry XX/XX/2023 Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately. 

By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address. 

Sincerely thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX  update my account as never late always on time 100 % payment history. XXXX XXXXXXXX is stating I didn't make a payment but on XXXX and experian it shows im always on time never late account in positive standing. this is damaging my credit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.

Company response to consumer: Closed with explanation