vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally dispute and request rectification for the adverse actions taken by Capital One on my credit account, specifically the reduction of my credit limit from {$4200.00} to {$2000.00}. This dispute arises from events surrounding the erroneous reporting of a 30-day late notice, and subsequent actions taken by Capital One based on this misinformation. 

On XX/XX/, I was alerted by XXXX, a third-party credit monitoring service, about a change in my credit file. According to the notification, a creditor reported a 30-day late notice, prompting Capital One to decrease my credit limit. After confirming this with Capital One customer service, I promptly contacted the credit bureau to dispute the error, and the correction was made on XX/XX/, resulting in an XXXX increase in my credit score. 

Subsequently, on XX/XX/, XXXX  reported an 80 % utilization ratio based on the new credit limit of {$2000.00}, despite my balance being {$1600.00}. I contacted Capital One customer service to rectify this, explaining that the credit limit reduction was a reactionary measure based on incorrect information. I was informed that to restore my original credit limit, I needed to reapply for a credit increase. I find this process unfair, as the initial credit limit reduction was a consequence of an error on an unrelated account, which has since been corrected and updated in my credit report. 

Despite my efforts, Capital One has refused to correct this unjust reduction. On XX/XX/, I received a letter from Capital One requesting me to call customer service regarding the dispute letter I previously submitted. Upon calling, I was informed that I am still reported as 30 days past due, and if I wish to increase my spending limit, I must submit a request, subject to a soft pull on my credit report. 

I assert that Capital One 's reliance on third-party information and refusal to correct a reduction caused by an error on my credit report is unjust and may lead to further damage to my credit score. This may result in the loss of better credit opportunities and favorable rates. Moreover, I am concerned that Capital One is not adhering to government standards regarding the collection of customer information, and the denial of access to speak with a manager further compounds my dissatisfaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I applied for a Mastercard and unfortunately i was denied access to my own credit. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX : Reference number XXXX : 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 : Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This company is messing up my credit for {$8.00} when I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I received a {$200.00} Amex giftcard from a coworker for the holidays. I tried to use it two weeks ago and it was declined and says its for security reasons. I call Amex they say they need to lift the security on it and it will work. We stay on the phone and it doesnt. They say all I can do is request a new card which takes around 2 weeks. The card arrives this week, I try it on the exact same site, same issue. I call and Im told by yet another Amex rep that it will work in 24 hrs. I tell him that just isnt accurate and can he give me an escalation number for today when it doesnt work. He says there isnt one. I call today and wait for 30 minutes for a rep to try multiple times to transfer me to a supervisor after he says he can fix it and cant and then says he doesnt know. I then call back again to get a new rep and request a supervisor and the rep says there arent any supervisors and hes not sure what else can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a {$20000.00} wire from a person I know. Chase bank said it was not intended for me. It was disputed by XXXX. Chase then closed my account and reported me to the XXXX XXXX. And black listed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
When asked to stop or limit contact with debtee 's, the agent ( XXXX ) told us that they could call as much and as frequently as they wanted to ( XXXX PST XX/XX/XXXX  ) When asked about why our dispute was rejected, they said that it was invalid and refused to elaborate, only asking for how we wanted to pay. Saying that they did not have to provide any additional information, and that it was on us to prove to them that we did not owe, rather than the other way around. ( XXXX PST XX/XX/XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CA

Complaint narrative:
the credit bureaus XXXX and transunion failed to conduct proper investigation on a collecection and and accounts they didint validate the debt according to the law. 
di not provided me with a copy of ANY documentation to the original creditor, not verification from a third-party database.

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
On XX/XX/XXXX  I reached out to XXXX to ask why my new mortgage holder was not reporting that they are servicing my loan. I asked this because it is not showing on my credit report and shows that the loan has been paid in full. This is negatively affecting my credit score. They told me the new bank ( RoundPoint Mortgage Servicing, LLC ) would need to report this to the credit bureaus. I called the new bank and they informed they will not report it for 60 days and did not explained why they wouldnt report it earlier. In the mean time my credit score has been negatively affected by XXXX points without me doing anything at all.

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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
transunion : 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 {$0.00}

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for a card that was sent to me 5 times within 3 weeks through mail from Chase. Regardless whatever they believe the reasoning for my denial, I have the right to credit and withholding access to my securities is securities fraud. They are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, I want them to reconsider their fraudulent decision made on my account. Reference number XXXX. 
I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX : Reference number XXXX : 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. Reconsider this account immediately unless they want to be held liable {$10000.00} FOR violation of each of my rights to credit and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
In XXXX of XXXX  I purchased a car the motor blew up within a about 3 days of the purchase i returned it to CLAY COOLEY MOTOR CO XXXX XXXX XXXX XXXX XXXX, TX XXXX and chose not to purchase at all because I felt that they had wronged me in the sale of the car. They submitted this item to my credit report as a charge off, when it should have never been applied to my account. This charge off has cause hardship in not being able to purchase a new car and continues to create issues for me financially damaging the moral of my credit worthiness when I was initially wrong. In this case I would like to request that they remove this item from my credit report as this was not my purchase. And I am not to be held responsible for the car. So that I can move along. But I have not been able to do so because they have this item on my record as a repression while, I waited for a very long time for answers on getting the car repaired. this event ultimately caused stress and put me into an early XXXX, and I was not in any position to be able to dispute this item.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-15 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: LA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX from XXXX on XX/XX/2023. 
Inquiry from XXXX XXXX XX/XX/2023 Inquiry from XXXX XXXX on XX/XX/2023. 

I didn't apply for anything but it's showing in my credit report and it shouldn't be there. This is a fraudulent acccount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: PA

Complaint narrative:
I only became aware of this fraudulent activity when attempting to purchase a house. The false information on my credit report is not only defamatory to my character but is also impeding my ability to achieve a major life milestone. This situation is causing me undue stress and financial harm. 

According to the 15 U.S.C 1681 law, there should be no damages to my credit report resulting from identity theft, and I am seeking your assistance in ensuring that my credit history accurately reflects my financial responsibility.

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 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
I have attempted since XX/XX/XXXX  to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. Interest continues to accrue on the full loan amount, despite attempting to payback the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am making my payments online XXXX XXXX. Maybe are received by company but not posted timely and I am being charged a late fee. 

Company had a change in address about XX/XX/XXXX and delays in posting payments. 

Please help me get a credit for the late fee charged by NewRez for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently viewed my credit report and noticed that accounts are missing off of my Equifax report. I notice its inaccurate and missing accounts. Please verify all account information and add necessary accounts to my Equifax.. Im in the process of buying a house and this is costing me thousands of dollars. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a {$20000.00} wire from a person I know. XXXX XXXX  said it was not intended for me. It was disputed by BofA. XXXX then closed my account and reported me to the XXXX XXXX. And black listed me

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 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I received two letters, dated XXXX & XXXX XX/XX/2023, seeking to verify recent activity on my account with First National Bank of Omaha ( XXXX ). 

Subsequently I received an ATM debit card and checks from XXXX. 

I do not have an account with XXXX, nor have I ever opened an account with 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has two collections account on my credit report as past due : XXXX XXXX XXXX shows a past due balance : {$1000.00} XXXX XXXX shows a past due balance : {$3600.00}

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 2023-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
First and foremost, I acknowledge my debt and have all intentions to pay it. I have made arrangements to pay in a way that does my current budget. Some days the calls will be up to 5 times a day, with an average of 3 calls in a day. Occasionally a these calls are back to back within 5 minutes of each other. The main issue is, a good chunk of these calls when I answer, the line disconnects immediately.
I am usually at work when this occurs so it is very disruptive. I consider this a form a harassment. I have asked that Toyota look into this, but have not received any information pertaining to the issue. When I bring up the issue, staff is always very dismissive. 

Examples : Thursday XX/XX/2023 - 2 incoming calls XXXX and XXXX. Both calls answered, line immediately disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
For fiscal year XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX issued a property tax bill of {$9800.00} to be made in two payments of {$4900.00}. 

Our mortgage company, United Wholesale Mortgage ( UWM ) issued one payment of {$4900.00} in XX/XX/XXXX and three payments of {$4900.00} XX/XX/XXXX. UWM issued one tax refund of {$4900.00} on XX/XX/XXXX. We have been awaiting the refund of the other {$4900.00} for nine months now. 

I have attached the escrow account payment history from the UWM online portal and UWM XX/XX/XXXX mortgage statement to support the three tax disbursements made in XX/XX/XXXX and only one refund provided in XX/XX/XXXX. 

UWM representative, XXXX XXXX, has acknowledged the error made by the UWM team and informed us that the work order will be completed and a refund of {$4900.00} will be issued by XX/XX/XXXX. I have attached the response from XXXX XXXX for support. We followed up again with XXXX XXXXUWM via secure message on XX/XX/XXXX and have not received any response nor refund to our escrow account. We have spent many hours following up and explaining this error to UWM. We have been contacting UWM via secure message and phone since XX/XX/XXXX to fix this issue. 

Please note that XXXX XXXX XXXX has confirmed no refund due to us. The refund of {$4900.00} will need to be issued by UWM as they had incorrectly disbursed the extra tax payment in XX/XX/XXXX and have not refunded us as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Wise was meant to refund me {$15000.00} on XX/XX/2023, yet they deposited {$14000.00} on XX/XX/2023 via a wire transfer from XXXX XXXX. I sent XXXX emails asking for a bank statement reflecting the {$15000.00} deposit. Their response cited a {$50.00} deduction by my bank as a refund fee. However, after confirming with XXXX, they clarified that no fee was charged for receiving the wire transfer. Wise did not prove that they deposited the XXXX.

Company response to consumer: Closed with monetary relief