vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A oportun loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others.

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
At the end of XX/XX/XXXX, I called customer service regarding my XXXX XXXX XXXX credit card. The specific reason for my call was to confirm the details of the benefit change for the {$300.00} annual XXXXXXXX XXXX and the new {$25.00} per month restaurant credit. The annual fee had just been renewed on my credit card and I wanted to confirm that I would receive the {$300.00} annual XXXX XXXX  if I made a XXXX hotel purchase by XX/XX/XXXX. The Amex phone representative confirmed this and as a result I cancelled a free hotel night at another hotel chain and instead made a purchase at the XXXX XXXX on XX/XX/XXXX which was for over {$300.00}. 

When I called later to inquire about why I had not received my {$300.00} XXXX XXXX, I was told that it was based on my renewal year. This information was not disclosed to me by the phone representative and also a reasonable expectation would be that the renewal year would coincide with the time that the annual membership fee is billed. If this was not the case, I should have been told by the phone representative. 

I called and submitted a complaint to American Express regarding this issue on XX/XX/XXXX and requested that my case be reviewed and exception made to give me the {$300.00} XXXXXXXX XXXX I was told that the original call would be reviewed in 48 hours. It has been over two months and my case XXXX is still outstanding. I called again today on XX/XX/XXXX and the issue had still not been resolved and the phone representative could not find the case number and said that I should contact XXXX to find out about a complaint with American Express. 

As of today, XX/XX/XXXX, I have still not received a response from American Express on this issue and complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXXXXXX XXXX  credit card I am current on making my payment I sent in the mail ACH payment and electricity. Capital one I make payments and they never want to acknowledge that I qualify for a platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
CFPB + XXXX, In a recent check of my mail I see there is a collection account from XXXX saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to XXXX these Bankruptcy report from my credit report immediately.

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 2023-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS EXPERIAN, XXXX AND XXXX. 
THE ACCOUNTS ON EXPERIAN ARE XXXX XXXX WRONG AMOUNT IS BEING REPORTED TARGET SAYS DATE LAST ACTIVE XX/XX/XXXX XXXX SAYS DATE LAST ACTIVE XX/XX/XXXX CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT XXXX WRONG AMOUNT OWED IS REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME THE ACCOUNTS ON XXXX XXXX WRONG AMOUNT OWED IS REPORTED CHASE DATE LAST PAYMENT MADE IS INCORRECT CHASE DATE LAST PAYMENT MADE IS INCORRECT TARGET DATES LAST ACTIVE SAYS XX/XX/XXXX XXXX  WRONG AMOUNT IS BEING REPORTED CREDIT XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX XXXX XXXX XX/XX/XXXX SAYS PAID LATE, EVERY PAYMENT WAS ON TIME XXXX WRONG AMOUNT OWED IS REPORTED

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
the following accounts are incorrect and are really hurting my livelihood and damaging my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I attempt to get a HELOC to purchase an investment home. I needed to update the credit bureaus to reflect my new name. XXXX and XXXX both updated the information in a timely fashion. Equifax, sat on my information until it was " too old '' so I had to resend them new information. This was on XX/XX/XXXX. I called yesterday ( XX/XX/XXXX ) to check to see if they had updated my information and the representative I talked to stated they had not received it. Well, I sent them XXXX faxes, with the same information since they neglected to take action on the first fax sent back in XXXX. We are going on 5 months now and they are the only agency that hasn't updated my information and are prohibiting me from using my credit to purchase a home. I am a XXXX veteran and a United States Citizen. Im simply asking for my information to be updated ASAP. Ive played the " it'll take up to 5 days to input your information '' game twice and as stated above we are on month 5. If this doesn't resolve the issue I can only assume my next course of action is a legal one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
the bank CHASE closed my account and i dont know why? but ok int he contract say the bank can close the account when they want, it is ok for me, but they not return my money and anyone say me anything, i callin every week and only they say i have to wait it is happen about 3 months ago, since XXXX XXXX and they have XXXX dollars mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: MI

Complaint narrative:
My wife and I applied for a mortgage loan from Arvest Bank in XXXX, OK. We started the process on XX/XX/2022. During the process Arvest Bank required us to pay a {$500.00} deposit that would be refunded once the loan closed. We promptly paid that with our credit card. The loan closed on XX/XX/2022. Since then we have tried several times to get our {$500.00} back. It has now been XXXX weeks since the closing and we have had a variety of excuses but have not received the check. If the bank had any concern about customer service they would have credited this amount at closing. 
Apparently we need help in getting the {$500.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled one way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia 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 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
After XXXX XXXX- I had forbearance during XXXX. I resumed my payments with a loan modification. I made my 2 payments on time. The third fell on XX/XX/XXXX which I defaulted, cause my brother passed that day. I tried to pay later but the payment button was disabled. I called, and Rocket Mortgage ( RM ) refused to accept payments. 
They demanded that all the forbearance of XXXX ( 7 payments in total, making {$11000.00} be paid by XXXX XXXX or they would start the foreclosure ). 
I managed to make this payment on XX/XX/XXXX. 
Now I received a letter stating that my mortgage has increased from $ XXXX to $ XXXX. 
I used to pay my taxes through XXXX XXXX- at affordable monthly rates. My taxes to the city were PAID OFF through my XXXX XXXX. I do not owe any taxes to the city. 
RM disbursed payments to the city ( although wrong, cause they were paid off ) and ALSO to my XXXX XXXX, canceling my loan with them and transferring what I owed to RM. So all the debt to my XXXX XXXX that extended in payments for several years, RM wants to get within a year.

RM now demands that I paid the amount I owed my XXXX XXXX ( {$62000.00} ) within a year. Thus, my mortgage payment went from {$1700.00} to {$7500.00} a month. 
They threaten foreclosure if I do not make those payments. 
Since they canceled my XXXX XXXX, I can no longer use them to pay any taxes and my debt is now with RM, which is putting me in this situation. They do not seem to be willing to extend the payments but seem to be more interested in having me out of my house. I have lived here for 10 years and never had a problem with them before. 
I want to continue my mortgage at a rate that is doable. I understand the increase but from XXXX to XXXX is absolutely too much. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CO

Complaint narrative:
On XX/XX/XXXX I tried to take out XXXX dollars from my bank of the west account using a XXXX XXXX ATM. I did not receive the XXXX dollars and bank of the west said they did a dispute but they said there was no error. I never received the XXXX dollars and now neither bank will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all XXXX  credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by XXXX, XXXX, Transunion and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.

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 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I company  XXXX XXXX XXXX received a check in the amount of {$28000.00} from XXXX XXXX XXXX XXXX To buy and build a shop garage. Check was deposited into account XX/XX/XXXX. Check was put in hilt until XX/XX/XXXX. Chase bank then canceled my debit card with {$4000.00} in the account. I called and talk with customer service about releasing the check and my debit card for the reason I have a business to run and bills to pay. The person that was helping me and I was talking with said the card and check should be released and able to use within a day. Debit card never got released and could not use it. Payment was on card said fraud. I decided to wait until the check cleared on XX/XX/22. Check then clears. I wrote check out for payments due ( had enough money to clear those without the XXXX checks. On XX/XX/XXXX I called in to CHASE bank to see what was the problem with my debit card. They said they need to confirm with the owner of the company ( which is a very good friend of mine ). I gave them their names and numbers and they said that the number is not associated with a business. 
Chase bank completely froze my account and put it on hold so I cant see it or spend anything. I called in 4/5 times. No one I spoke to have XXXX any clearance or help with the situation. This is so irritating and frustrating for me. I had employees to pay and bills to pay and I cant do anything. I ask them if they can just put the XXXX on hold and let me cash more checks so I can do my business they said no. I asked them to call the bank from the owners of the check and they said they couldnt. They have my money and wont let me touch it. I have customers that paid for a building and I cant buy it or build it without the money. My customers or extremely mad at me. 
They say I cant do anything they can only call. 
One person said that I could take the owner of the company to a chase branch with two forms of ID and company information. The problem with that is were located in XXXX ID. The nearest branch XXXX XXXX XXXX XXXX more than two hours away. We have no time to be able to make a four hour trip together. 
I fell like the bank is taking advantage of me and not doing their job. 
I am scared and terrified that I will loose all that money in my account and my customers and distributors will not trust me anymore, and non of this is on me. 
Please help me get my money and figure out what is going on! 
Also, I asked them if I could just come get my money and switch banks and they said my money is froze. 
This is not okay! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, there was a XXXX fraudulent charge on our XXXX account that we haven't used in over 3 years for {$2900.00}. When I called XXXX 's customer service number to report the fraudulent charge, the representative asked to gain access to our XXXX XXXX. For almost XXXX hours, he gained all my personal information -- SSN, DOB, name, address, IP address, email, etc. He was able to login to our bank, transferred {$7000.00} ( almost the entire balance ) from our savings to checking account. He set up a fraudulent account at Remitly using my personal information to run a credit check and transferred {$1800.00} to an XXXX bank account. The representative asked me to call my bank to authorize the transfer. That's when I realized something was wrong. I checked my bank 's app and saw the {$7000.00} transfer from our savings to checking account, then proceeded to hang up on the XXXX representative. In the meantime, I got over XXXX calls from Remitly asking me to verify the {$1800.00} transfer. I immediately called my bank to put an account take over alert on file with them. I called Remitly XX/XX/XXXX and was told the fund transfer to an XXXX bank was approved, can't be reimbursed, and that the fraudster used my personal information to do so. The representative suspended my account. On XX/XX/2022, I sent an Identity Theft Dispute letter to Remitly requesting that they reimburse me for the fraudulent transfer of {$1800.00}, remove my information from the credit files, and I enclosed a copy of my Identity Theft Report and CFPB 's Notice to Furnishers of Information to cease furnishing the information resulting from identity theft to any credit reporting agencies ( CRAs ). I requested that Remitly send me a letter explaining their findings, actions, and that they will remiburse me for the fraudulent transfer, as well as close my account and report my information to the CRAs. I've never heard back from Remitly, nor have I received any of the fraudulent transferred funds of {$1800.00} either back to my bank account or by check. I'm requesting the CFPB assist me in getting the fraudulent transferred funds back, contact Remitly to close the fraudulent account, and make sure my personal information will not be reported to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My credit was fraudulently used by XXXX XXXX XXXX  and syncB/value c was added twice and this is effecting my credit please take the time to look into it.

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