vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit 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: DISCOVER BANK
State: MN

Complaint narrative:
I put a dispute in with Discover card for a charge from a business called XXXX. The credit card company requires me to only submit my proof through their special website which is blocked and dose n't let me login with my password. I believe this is on purpose to keep claims from being completed. Because of this I contacted the business XXXX myself and did Discovers job for them since they refused to handle it properly by U.S. legal standards. The business XXXX refunded my money to Discover and sent me an email stating so but Discover refuses to credit me on my account. I have been noticing a large uptick in credit card companies committing this type of fraud against consumers this last year or two. I demand Discover card refund the money to me that XXXX refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One paid 14 fraudulent checks that were presented to them on our business checking account starting on XXXX for 2 weeks. The amounts were {$250.00} x 6, {$680.00} x 3, {$540.00} x 3, {$130.00} x 2 for a total sum of {$5400.00} All had check numbers that were previously paid by the bank and never should have been paid a second time. The fraudster " washed '' the checks to change the Payee name and amount, and many were identical to each other. Cap One just kept paying them, some even AFTER we notified them of the fraud. We learned of this on XXXX and notified them of all checks, dates, amounts, payees and that these were old check numbers. To date they have not refunded {$3300.00} of our money and continue to claim the matter is under investigation. We requested a report of their findings but instead we were transferred to numerous departments, are kept on hold for hours, and are then told that no one has authority to resolve the refund. Every other bank we have dealt with is competent and quick to resolve fraud claims, especially this fraud which is so obvious. Cap One staff are incompetent, uninformed, and unable to properly handle a fraud claim. We have several other large personal accounts at Cap One which will be closed as a result of this mishandling of our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2024 I noticed XXXX transactions on my debit card dated XX/XX/2024 that I had not authorized. The transactions were as follows : Store Purchase 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$50.00} I had immediately contacted American Express XXXX and reported the unauthorized transactions. On the following day, XX/XX/2024, I uploaded the declaration of fraud statement to the Serve website as the company had requested. 

As of today the company has not removed any of the disputed charges from my account and has not acknowledged in writing that it is working actively on resolving the disputes. 

As of today I do not have any funds to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report. 

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My house was seriously damaged after hurricane IAN, then my insurance company XXXX went insolvent. So after some of the money being authorized by XXXX prior to insolvency, the rest went to XXXX XXXX XXXX XXXX XXXX  took over the claim. After XXXX months of negotiation with them they issued 2 checks with Chase Mortgage as a co-signer. Chase refuses to endorse the check. 

They after sending an inspector to see that my house was repaired, after hurricane, IAN, and it is. Inspectors report said 100 % repaired. They said the inspector didn't inspect to the correct claim amount. To go back to my insurance company and get a copy of the new claim, there isn't one as XXXX went insolvent. So after arguing with XXXX XXXX XXXX XXXXXXXX XXXX, and reaching agreement with them. They sent 2 checks. Chase won't endorse them to me because of some goofy internal system issues they have. The asset in question, MY HOUSE, is 100 % repaired, their inspectors report, Their portion of the asset is secure. I paid for it, now finally XXXX months later will get back half of what it cost me, and Chase wants to play more games with my money. 
I have 2 large checks that must be endorsed by Chase who has no dog in the fight other than a mortgage on my house for XXXX XXXX of the value. 
They inspected the house. This is not their money, they just have to endorse the checks and, they refuse. I asked yesterday to send me a letter with exactly what I have to do to get the funds released, and they said they don't do that. 

Hopefully... .. an attorney will get my funds released! XXXX XXXX XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have asked Mohela ( per my last complaint filed with the CFPB in XX/XX/XXXX ( closed case XXXX ) : I am still having the same exact issues- they have not given me an explanation for why these time periods are not being counted. I have asked for forbearance until they sort it out, and they failed to respond to that request. See my previous complaint - everything still applies, except now it's going on 2 years, I am required to make payments that are UNJUST, and they continue to brush me off and not answer my questions. They are not counting payments from XXXX XXXX XXXX and XXXX XXXX XXXX. I have documentation of those payments made. This is agonizing and no one has paid attention in the 2years I have been in this loop. It's causing stress and XXXX because of their complete inaccuracies and incompetencies to handle this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: ND

Complaint narrative:
my student loans on my transunion and XXXX show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.

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 2024-02-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inquiries are not authorized by me. I lack any information about them, and the company carried them out without seeking my approval.

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 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
This is my third complaint as I did not find out until today P & B Capital Group hired XXXX XXXX XXXX to harass me, XXXX XXXXargued at me that he is a lawyer and that he is going to sue me for several fraudlent debit card tranactions, When I keep asking for a legit name or address, Im told I am a XXXX XXXX XXXX that dont pay their bills, I was called XXXX XXXX. I was arged at and threated that I would be sued  and possible XXXX  time. When I ask for anything in writing, they tell me that P & B Capital Group already gave me that as P & B capital Group hired them to sue me, That P & B is their client. P & B is harrassing me through their own people and through this second business, I want the harassment to stop,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have communicated with the company that I am unable to pay {$970.00} per month, as my financial situation does not permit me to pay that much per month. I have asked for options. They asked me to contact them via phone. I contacted them via phone. The option that was made available to me was to pay more per month to shorten the amount of payments on the loan. This is unrealistic, which is what I communicated to them. I asked for income-based payments. I was denied. I reiterated to them that I would be unable to pay the full amount per month, but would pay what I could when I could. 

The following is a list of days that the company has contacted me since XX/XX/year> : XX/XX/XXXX XX/XX/XXXX ( three times ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) XX/XX/XXXX They have also begun to contact extended family members ; there was no communication with them from me about extended family phone numbers. They have also contacted a family member from an old friend that I am no longer in contact with. I have asked them to not contact any person associated with me. These requests were ignored. 

Since I began to not be able to pay the monthly bill, I have been contacted by XXXX different numbers from the same company. Those numbers are available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: CA

Complaint narrative:
Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries 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 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 I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly XXXX, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to XXXX concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from XXXX or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from XXXX on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially XXXX, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly Experian, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to Experian concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from Experian or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from Experian on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially Experian, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution

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 2024-02-13 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: VT

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT 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