vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP
State: WA

Complaint narrative:
I receive unemployment funds on a Key2benefits card. On XX/XX/XXXX my card was suspended as they wanted me to verify some transactions. I called and verified and was told that in order to receive a replacement card I would need to email one document showing my current address since my address on my account was updated within the last 30 days. They instructed me to email the document to XXXX. I chose to send in my current social security benefits award letter as one of the approved documents on their list was a letter from, 'ANY GOVERNMENT AGENCY ' which clearly shows my new address and is dated within the last 90 days. I sent that, a copy of my ID, a picture of me holding my ID and previously issued but now suspended Key2benefits card, a copy of my Medicare card and a copy of my social security card. Two days later they wrote back saying I was DENIED. In their denial email it again stated that I would need to send in one form of proof of address and in their own words included the statement, 'LETTER FROM ANY GOVERNMENT AGENCY. ' I resubmitted my documents and again was denied. My third attempt, I submitted the same documents as well as a letter from WA STATE PARKS issuing me a disability pass hoping they would accept this government agencies letter, Denied again. The thing is, my old address which is a po box and the address which I updated to are the SAME ADDRESS but the updated version is in the 'street format ' of my po box . This is a service offered by the post office and is what my post master instructed me to use in the event that I needed to have an item expedited or shipped from another carrier other then USPS since most companies do not ship to po box es. Key2benefits customer service has not been helpful as they continue to tell me to submit the documents and wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed online. I am XXXX years old and live alone and struggling for rent so I fell into an internet scam. The scammer offered to pay me {$500.00} through a check so I gave him my email address and full name to do so. He then sent me a check for {$1000.00} and told me i had to deposit it and send {$500.00} to an orphanage and then i would be allowed to keep the rest. This all happened on Monday so when i deposited the check only half cleared and I was told i had to send that amount instantly to the orphanage so I did over XXXX. the next day, Tuesday, the rest of the check cleared and I spent my portion almost instantly paying off bills and adding the remainder to my portion of rent. The next day ( yesterday ) I wake up and see my bank account is- {$1000.00} because the initial check bounced. I went to my local police department who laughed in my face and then my bank, Chase, who also told me there was nothing they can do since i wasnt hacked. Now i wake up this morning to a - {$1100.00} balance due to Chase charging me insufficient funds fees even though I already told them i was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since XX/XX/2021, Chase has charged me nearly {$400.00} in overdraft fees and despite asking to reverse some, I've been told they can not offer any " courtesy '' refunds at this time. Below, I have listed the dates and amounts of the fees : XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} x 2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} TOTAL {$34.00} x 11 = {$370.00}!!!! 

Chase is my primary banking relationship, where I have my paycheck deposited and pay my bills. However, it is becoming increasingly difficult to maintain as the fees are very high, often more than the cost of the paid item. And they are very frequent, being assessed multiple times per week and even per day. It makes it hard to get by when deposits go straight to covering outrageous fees. 

I understand the Bank needs to make a profit, but this is ridiculous. I would suggest regulation limiting the amount and frequency of these fees as they absolutely pray on lower income depositors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: LA

Complaint narrative:
My wallet was stolen and card along with it. Person spent over XXXX $ on my account. CARD.COM is Stating that they will need 20 entire business days to handle my dispute claim. All they need to do is contact walmart.com to find out the order details to confirm this was fraud. How come this bank is going to make a customer wait an entire month to get money back when I have bills that need to be paid and cant wait an entire month. Is there anyway someone can help speed this process up for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
They provided falsified information. The receipts state Company name, They provided company name omitted to attempt to prove that its a personal transaction and they are neglecting this is from the pandemic and have made no attempts to come up with a settlement amount. In addition all litigation cases should not be reported on credit report in addition its a Business transaction and not a personal transaction. Please have debt collector provide where I supplied my SSN, as well as personal liability. I have submitted proof to Consumer finance where the company name is " XXXX ''. these invoices were supplied by debt collector. I will be contacting the credit bureaus as well as courts that this company has falsified information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: FL

Complaint narrative:
My rights have been violated multiple times and the misreporting on my credit report continues!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with CREDIT MANAGEMENT CONTROL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: IL

Complaint narrative:
I have constantly contacted the reporting agency and the creditors.. they have failed to provide any validation of the inquiry but remains on my credit report instead of being removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In 2016 a account was opened in my name. In 2016 I was a minor and it wasnt me who opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I've been disputing this account for months to no avail. I have never received anything at all from HARRIS & HARRIS LTD, NEVER. That is their first violation of the FCRA. They have never responded to any of my disputes or mail, their second violation of the FCRA and a violation of the FDCPA. They have not complied with either of those laws. They have caused me defamation of character, and they have caused me many financial damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX  Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them.

I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.

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 monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My auto loan with Ally Financial ending account # XXXX was paid in full on XX/XX/2021 through a trade-in. On XX/XX/2021 I received email confirmation that the title was mailed to the Dealer that the vehicle was traded in at. 

On XX/XX/2021, Ally Financial erroneously reported the account 30 days delinquent. 

On XX/XX/2021 I called Ally to report this error and ask that they fix this reporting. As of XX/XX/2021, this is still being reported as a delinquent account on my credit report. 

This in turn has caused me to be declined credit that I applied for.

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 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( LOCKHART, MORRIS & MONT } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.

This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( XXXX XXXX ) AND ( LOCKHART, MORRIS & MONT ), are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and professional liability fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
Centerstate Bank Narrative My then wife and I bought a property in XXXX County, Florida and were both present at the closing. The bank chosen for the loan was CenterState Bank, now SouthState Bank. At the time I didnt know how corrupt their employees were.

CenterState Bank which is now SouthState Bank helped my ex-wife remove me from a property deed while married. A convicted felon, former Senior Vice President XXXX XXXX XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to make sure I was removed from the property deed after she delivered a substantial bribe to him. This took place on XX/XX/2010. 
On the Warranty Deed clearly it has her name : XXXX XXXX and _________ my name is missing. In Florida it is possible to remove a spouse from a deed and they would never know and if they divorce the spouse removed from the deed is a non-owner with no rights. A bank can use their power to request to remove a spouse from the deed at the Title Company. 

She made sure this was hidden from me and I did not find out until my divorce. This was no mistake, she did the same thing with another property 5 years before this. 
I am sure there will be some type of retribution or threat from this bank for reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: IL

Complaint narrative:
I have received a loan notification : I did not request or apply for this. company gave me complete run around. Total scam. 
Congratulations, XXXX! 
Your loan has been successfully processed! Here 's what you need to know : {$1300.00} will be transferred to your bank account either today or the next business day, depending on cut-off times. 
Banking institutions have their own policies regulating when transferred funds are released to their customers. 
To avoid penalty fees, please make sure funds are available in your account when payments are due. 
Making extra payments toward your principal or paying off your loan early saves you money on interest and lowers the overall cost of your loan. 
You can make additional payments via your online account or by contacting us at XXXX at least three days before your intended payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I Deposited a Certified money order into the Bank of America ATM yesterday XX/XX/XXXX The amount of the certified money order was XXXX my savings account has been opened since XXXX and has never had any issues ..... 

This is not the first time Bank of America has ignored and illegally not adhered to the funds availability policy in the United States Banking system. They are telling me that my funds will not be available until XX/XX/XXXX. 

I need access to my funds.. Please advise if you can speak to the powers that be at Bank of America and they are illegally holding funds... 

I would like to get this resolved asap as I need my money for food.. for my children, and rent.. Bank of America does not care

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