vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
on XXXX i received two calls from navy federal at XXXX one at XXXX XXXX  and another at XXXX XXXX. which is obscene and an inconvenience to call me so many times and to call me back to back and then a 3rd & 4th call to my relatives one calling from XXXX at XXXX XXXX, my relative called me as well to advise me that they have also called them as well. Now i am being harassed. Now others are under the impression that i owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Re : acct # XXXX XXXX XXXX XXXX XXXX  XXXXTD bank, Bank address XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I have been a victim of card cloning and TD bank is further victimizing me by ignoring my disputes. MULTIPLE charges were made at a gas station in Florida, amounts over XXXX each, I have disputed these multiple times and TD bank is ignoring me. 
At the time of these charges I was in XXXX having a surgical procedure and stayed at XXXX different hotels ( copies attached and further copies will be provided IF required to prove I was not in Florida pumping gas ). In addition the charges were reported AT a branch in XXXX, IN PERSON and a new card was issued to me after the disputes were submitted in person at the Branch location. 
The day I noticed the fraud, I went to a local TD bank Branch location in PERSON in XXXX and submitted the disputes there. 

I know my first and last name are of XXXX XXXX origin and this automatically has caused TD bank to toss over my dispute. I DID NOT go to Florida, I did not make those charges and If I am being accused of lying, then I am requesting a video surveillance of the gas station image of the person who pumped gas and visited the gas station in Florida. 

I am being discriminated and victimized by TD bank and this matter is causing pain and distress and undeserved financial hardship. 

My contact info ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 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:
they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act convergent account # 12345 has violated my rights.

15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXX Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to reopen my FRAUD CASE CLAIM # XXXX with Chase bank XX/XX/2022. I have collected evidence supporting my claim that there were several unauthorized fraudulent transactions all occurring XX/XX/2022 listed below in chronological order for your review. 

XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by XXXX XXXX via email that someone accessed and compromised my email account. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 
XXXX. XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, I was alerted by Chase XXXX with XXXX Team from Chase Bank that XXXX, who was unauthorized by me, was added as a Chase XXXX with XXXX recipient by an authorized fraudulent email address XXXX. 
XXXX. XX/XX/2022, I was alerted that an unauthorized fraudulent email address XXXX unauthorized fraudulent transaction # XXXX transfer via XXXX in the amount of {$1000.00} to an unauthorized recipient XXXX. 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX in the amount of {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXXXXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email of an unauthorized fraudulent check # XXXX for {$1000.00} was deposit into my account ending XXXX from XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX 
XXXX. XX/XX/2022 at XXXX XXXX  XXXX, I was alerted by Chase Bank via email from Chase Bank accepting and processing the unauthorized fraudulent check # XXXX of {$1000.00}. 

Please approve my fraudulent claim case # XXXX and return my money that was stolen from me immediately to my account in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Everytime i purchase that involve credit report, that XXXX XXXX XXXX {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called XXXX to take out that report but still shows..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/2022 submitted complaint because Lexis Nexis provided the 3 credit bureaus with information regarding a bankruptcy it pulled from XXXX, a system of record used by the federal government. I did not give Lexis Nexis any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from Lexis Nexis to clear my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I have been trying to apply for a loan mod for _____180__ days, and was told I had a complete file XX/XX/XXXX and that I would have a response in 30 days. Then on XX/XX/XXXX they told me that you needed to submit additional documents this was the first you had heard that anything was missing as they did not send you a written notice that the file was incomplete. They are holding up my other application for emergency funds which then holds up my loan mod as well. The mortgage company also does not reply to my emails and has a history of telling me one thing via phone then telling me something exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My FHA mortgage servicer, Loancare, completed a COVID modification and partial claim on my FHA mortgage in order to lower my payments. HUD required them to also add to the partial claim any actual and ANTICIPATED escrow shortage. However, they apparently did not do this and now they have issued me a bill for anticpated escrow shortage of {$2800.00}. This has raised my monthly payment back to almost what it was before the modification and paratial claim, thereby negating any benefit I received. Also, every single time I call to speak to them, they tell me the call volume is too high and refer me to their website or automated system. It's absurd and these people are inept and should not be a servicer for any FHA loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I sent XXXX to a fraud person on paypal on XX/XX/24

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Financial Data Systems
State: NC

Complaint narrative:
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
On XXXX XXXX I called Exeter finance about my past due balance. I explained I was still out of work on an unpaid medical leave. I asked the agent if I could cancel my cars extended warranty and use that money towards my past due balance? The agent replied with yes you could do that. I told her thank you so much I will call and get that money forwarded to you all. On XX/XX/2022 Exeter received the money and stated it could not be used towards the past due balance. I spoke with a manager and she told me she would give me a call back once she found the call to come up with a solution. On XX/XX/XXXX the manager called back and confirmed she found the call and I was indeed told those funds could be applied to my past due balance. But the manager said she apologized even though I was told that those funds couldnt be applied to the balance. I asked to speak to another supervisor who also said the same yes I was promised this but again I can not do it and they could help with setting up a payment arrangement. I advised Id be reaching out for legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attempted to get a copy of my Equifax report by phone, because I was unable to do so online as I am a minor. On the phone with the representative, despite repeated attempts to explain that I was a minor and that my social security number had been used to file a false tax return in my name, the agent refused to give me a copy of my credit report stating that there was no credit history. She refused to send anything by mail or email stating this and I had to end the phone call because she was increasingly unaccommodating and rude. I need this information to file fraud claims with FTC regarding my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TX

Complaint narrative:
THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS EXPERIAN, XXXX, AND XXXX ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, XXXX AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ). 
RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY.

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MI

Complaint narrative:
I have names, addresses, accounts, hard inquires on my credit report that is making it hard for me to get credit that should've been deleted off my credit report. Old information that isn't correct that need to be removed and bankruptcies that should've been removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am reporting dispute charges for my CapitalOne credit card ending in XXXX. 

My XXXX and I have been living in central XXXX over XXXX years now. Unfortunately, recently our identities were stolen by a thief in XXXX, XXXX. We realized when some of our credit cards including XXXX, XXXX and CapitalOne were requested to be delivered to XXXX address. We made multiple calls to report the fraud to the credit cards companies, and we have reported to our local police department to file a police report # XXXX, with XXXX XXXX XXXX XXXX ID # XXXX. The contact phone # XXXX, XXXX XXXX Police Department, XXXX. 

On XX/XX/XXXX, I received a bill statement from CapitalOne, the statement shows a transaction on XX/XX/XXXX, FAST CARD FEE of {$16.00} which I believed it was for delivering a card to the thief in XXXX. We called CapitalOne immediately to report this charge and also requested to close my account. Lately I received a confirmation letter of cancellation from CapitalOne. However, on XXXX XXXX, I received a new bill statement from CapitalOne for {$32.00} including PAST DUE FEE of {$16.00} on XXXX XXXX. My husband and I called CapitalOne right away to try to clarify this issue, and we spent over two hours to talk to two different representatives and still did not solve the issue with the bill. Very disappointed and much frustration. CapitalOne either is purposefully attempting to exploit its clients by handling fraudulent and dispute issues, or its employees are so incompetent that multiple calls with countless times have led to my going in circles with various departments, staff, and managers without resolution. Either way, CapitalOnes lack of action is extreme and outrageous. It should not take contracting your customer service line at a lot of times to resolve this issue. CapitalOnes lack of action has caused severe XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Servicing Inc XXXX XXXX Mortgage Interest Statement XXXX XXXX 21 Monthly mortgage payment -seeking explanation as to why the principal balance is different from the last monthly mortgage statement -seeking explanation as to why there are so many payment reversals between XXXX and XXXX as shown under " transaction history '' on monthly mortgage statement and customer transaction history XXXX XXXX XXXX Customer Transaction History seeking explanation of reversals and unapplied funds on pg 3 in between XXXX and XXXX XXXX XXXX XXXX Ltr response to SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Minto Financial dba Minto Money
State: MA

Complaint narrative:
I applied for this payday loan.I want to pay off the loan to avoid the high interest but I can not come tact them and the amount they are taking out weekly is so much I can not pay my rent and bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also

Company response to consumer: Closed with explanation