vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with NetCredit. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by NetCredit. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to NetCredit advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received two emails from XXXX on Friday, XX/XX/XXXX, that stated I had two credit card inquiry on my credit report. I signed on to my XXXX account and noticed two hard inquiries from JPMCB back and XXXX XXXX XXXXXXXX. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, JPMCB and XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
The lender Mr. Cooper who services the loan has been complained about their practices to intentionally procure homeowners homes. They state they offer modifications to reduce payments and intentionally confuse consumers. I have notified them several times that the lender was predatory and to go back to the lender to modify from XXXX XXXX interest only loan at XXXX interet only. It has recast and XXXX is now ovre XXXX and terms and conditons were not explained on the refinance. They purchased from XXXX XXXX XXXXXXXX the servicing. They will not take my financial documents for miodification to reduce payment and extend terms and every time they have doubled or tripled the payment making it difficult to pay vs modifying with a lower payment. Their response is I should of known. The complaint also needs to be forwarded to the attorney general of Georgia they have complaints in XXXX states and fail to take responsibility and work with the investors they service to assist me. Anyone can see by looking at the note it clearly was predatory lending. They in XXXX letter show I can modify as an option and then they state they can't because it has matured and then they state I can do a modification just by a request with no financial docs to try to lower my payment. Both Mr Cooper and XXXX XXXX are taking advantage of me as a consumer with countless stress and hours trying to take my home I have owned for XXXX yrs.. I am requesting they modify my loan to a 30 year loan vs. 15 and a traditional loan and get me out of the interest only predatory loan for the XXXX request at least and waive the over XXXX in interest and that it should be based on the principal balance owed. They have an excuse every time. You also can not make your modification payments online and they do not tell you that in any paperwork or over the phone. They should help consumers not make it impossible to modify. I have on my loan docs dedicated loan XXXX but never once heard from him it is only on paper designed to look like they ioffer help- they never work with you and never once heard from him XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: U.S. BANCORP
State: CO

Complaint narrative:
Call from a number that looked like US Bank The gentleman said there was a problem with my account and he sent me an activation code so I could reset it. Had me read him the number and he got into my account and XXXX himself one payment for {$500.00}, {$700.00}, {$450.00}, and 2 {$90.00} transactions. The fraud department opened up an investigation and said it would be 7-10 business days before I received an answer in the mail. After getting the response I called asking for documentation of why they denied it on XX/XX/XXXX. I then spoke to someone on XX/XX/XXXX and they were missing so many details in the investigation that I had originally gave them so they now reopened the investigation and will be another 7-10 business days

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Sir/ma 'm This is XXXX XXXX XXXX i have created checking account with charles schwab on XX/XX/XXXX and i have deposited {$110.00} from my own XXXX XXXX XXXX account to my charles schwab account through XXXX on XX/XX/XXXX. 
I have verified my identity at XXXX branch ( XXXX XXXX XXXX, XXXX, ca, XXXX ) presented my driver licence with up to date adress XXXX XXXX XXXX, XXXX, ca XXXX, which is also on file with XXXX XXXX account. 
shortly after i was denied acess to this account, i was told it was because of my adress, i rent a room at this adress through airbnb, i live here long term and i recieve mail at this adress, this adress is also on my drivers licence. 
my account has been closed and the funds denied. 
im filing this claim because this is unfair and unethical business practice, im still looking to recieve the money i have deposited with charles schwab {$110.00}. 
thank you for understanding and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, XXXX, and TransUnion. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, XXXX, and TransUnion, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, XXXX, and TransUnion, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, Experian, and XXXX. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, Experian, and XXXX, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, Experian, and XXXX, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : I have submitted disputes to XXXX over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initiated a complaint about the block pursuant to XXXX which states that 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 by such agency. TransUnion has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Transunion stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Transunion denied my request ( see attached letter )

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I requested my credit card be closed and US Bank completed this, no problem. 

However, I received a letter than included the following language : " It is your responsibility to cancel any preauthorized charges such as insurance or online charges billed to this account. Otherwise, these charges may continue to be accepted and billed on this account. '' This policy is completely contrary to my CLOSING the account. I don't recall every online provider that may decide in the future to charge the card on file. 

This is simply not fair. I close the account, the account should be CLOSED. 

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BANK OF AMERICA XX/XX/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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have been informed by a debt collector, Portfolio Recovery Services, who filed a lawsuit against for a debt they claim I owed to XXXX XXXX XXXX. Portfolio Recovery Services lawsuit states that a XXXX XXXX XXXX credit card was opened under my name in XXXX and purchases were made on the credit card in XXXX and XXXX totally {$2900.00} that I was liable for. I dispute the validity of this claim by Portfolio Recovery Services. 

I am a victim of identity theft. My personal information was used to open this account and I did not nor have not authorized the use of this account. 

Portfolio Recovery Services lawsuit is the first that I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The lender is forcing the escrow to my account. 
Last year they bought the mortgage from the other lender and they just decided to add the escrow to my account even though I didn't agree on it with them or with the previous mortgage lender. I never received the letter about it but found out during setting up my mortgage payment. During settlement with the previous lender I check the box that I will pay my taxes and don't need the escrow, this lender decide to sent the money to tax collector and pay the taxes even they are paid already they added {$12000.00} to my mortgage and my credit dropped XXXX points because of that. They went and send {$10000.00} for property taxes and thanks god my tax collector didn't deposit the checks, but they credited my account even thir checks were not depositedand i never approved that. I tried to ask them why they are doing that they try to tell me that there is delinquent taxes on my account which wasn't true. I provided all the needed statements, checks and even a certified tax letter and I am just stock with them, they are not willing to listen, they even told me that the township call them and asked for the money that was a lie because I asked township if my bank lender called about my taxes and they said no. They did not stop harassment against me and I think that they are doing discrimination because of my first and last name, that how I feel. I even call them and they are saying that they can do that, even I have all proofs that all taxes are paid. 
PLEASE HELP, DONT KNOW WHERE AND WHAT TO DO ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Original my student loans were all with XXXX, but they transferred over to XXXX when the XXXX contract cancelled. XX/XX/XXXX, I transferred all my student loans over to XXXX. I've been trying since at least XX/XX/XXXX to get my Experian credit report to update the status of the XXXX accounts as Closed-transferred/never late. Experian is the only credit bureau that shows that I have student loans with both XXXX and XXXX for the same student loan accounts. XXXX and XXXX indicate correct student loan information with XXXX only. I tried to both call and email XXXX directly with no response to correct the reporting error to my Experian credit report. Experian keeps telling me that XXXX will not update the records when I file a dispute so I'm unable to resolve with Experian as well. The duplication of student loans between XXXX and XXXX is unacceptable and increases my utilization % on Experian.

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 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: MI

Complaint narrative:
This account is 6 years old. And I was not aware of this account cause I'm not no longer at this address. This is a old XXXX bill which I can still get service on. But by them keep reporting this on my credit report its keeping me homeless. Everytime I apply for a apartment they keep seeing this collection on my report and denied my rental application. I don't have no problem paying anything but I need it to go out of collections. This bill is from XXXX. And some creditors had bought my account and been reporting it since then. Been homeless since then. XXXX yrs going on XXXX now. They name is, LJ ROSS creditors.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation