vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I deposited a check from a customer on Sunday for {$2600.00} and on Monday I seen in my transaction history a reversal so I called the bank they told me all is okay and money will be available Tuesday morning. Well on Tuesday I called and it was not there. I was told to deposit the check a second time and I did as instructed. Now there is an extended hold for like 10 days because the check was deposited 2 times. I complained and said that is what you instructed me to do and I was told there is no way to change it or expedite the release. So my frustration is I did exactly what I was told to by the bank and they are treating me like a fraud. With no way to help! This is not acceptable and conducive to running a business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are addresses and employment information on my credit report that are inaccurate. I will like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are addresses and employment information on my credit report that are inaccurate. I will like them removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: SC

Complaint narrative:
My account was overdrawn by unexpected expenses after a road trip. I moved to South Carolina in XXXX, but it's been a slow process, going back and forth. I've been trying to transfer funds from my investment account, but Huntington National Bank froze my account with XXXX notice yesterday. I only found out when I called them. There were no issues with the investmet firm, XXXX unauthorized charges, and the account was in good standing before it overdrafted. I'm unable to work, as I can not buy gasoline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
Since XX/XX/XXXX, I XXXX XXXX, XXXX  of the late XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, a succession was done and i obtain the property and is still living in the home as of today. Well, I have been having lots of issues with the mortgage company Citizens Bank. I did a modification because I couldn't afford the amount of the mortgage because I'm on a fix income. The company said for 3 months ' pay a certain amount and then I did pay it. Now as of today the company is telling me that there is a " Lien '' on my mother 's home which i had no knowledge of until they told me. So, I went to the XXXX XXXX XXXX XXXX and obtained the document which states that there was no lien on the property and i sent Citizens the document email, postal mail, and fax. On XX/XX/XXXX i called to make a payment on the home and i was told not to because the modification is still pending, I was told to called back towards the end of XXXX, so I called, and I was told that the modification was cancelled. I couldn't understand why this had happened. So XXXX had been reaching out to help me navigate this problem. This company has been giving me the runaround about the modification. I provided all the info that they asked for and I can't understand why this company don't want to give me any answers. I feel like they are trying to take my home from me. We have been being in contact with the company every week since XXXX and still no answers. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has been consistenly reporting false and damaging info on my report. I have tried to resolve my complaints the right way by sending them letters outlining the info that is false and nothing. I sent them letters in XXXX, XXXX, and XXXX of 2022 and they keep sending me the same XXXX responses. I have spent the past year educating myself about these XXXX and I have had it. Iwant my personal information updated and these negative accounts deleted or I have gathered enough of their nonsense responses to file suit. Let 's save ourselves some time no I am not working with anyone, I've sent them proof of my identity already several times and the letters I sent are available to ANYONE with the use of something called the internet. I told them to validate their methods and give descriptions of their methods to validate. They have not and they violated the FCRA by not doing so and they know it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had an auto loan with Wells Fargo from XXXX of XXXX through XXXX of XXXX and I believe that I am owed money due to the settlement that is out there. I contacted Wells Fargo and they said they were not aware of any settlement my account number was XXXX. Near the end of the loan Wells Fargo repossessed to the vehicle and sold it at auction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My friend referred me to their savings account that offers an extra 1 % APY for 3 months for the persons who referred and who was referred. You get an additional 1 % APY for each additional referral you make ( up to 5 per year ). I accepted the referral, so my friend and I should have 4.3 % APY for 3 months. I then referred my mother and brother, so I should have 9 months total of 4.3 % APY. However, my friend wasn't credited for referring me and I wasn't credited as being a referred new member. Thus, she has no referrals listed and I only have 1 referral on my checklist. We have plenty of evidence supporting being an issue on their end and have spoke to the bank multiple times via phone and chat ( including one time where they required us both to be on the phone at the same time, forcing us to reveal our private information to each other, and then gave us a " tech ticket '' that was never followed through on. I've spent hours with them and they continue to promise it's fixed and then don't. I just got off a call with them today and now they're telling me they won't do it at all. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts. I seriously question whether this is intentional avoidance of adhering to the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I paid for my stay with XXXX with my XXXX XXXX card. 

The service was not as described the unit did not have air conditioning so after trying to resolve the matter with the merchant and get a refund to no avail, I had to file a chargeback with XXXX. 

This is when XXXX sent my account to collections *while the chargeback investigation was ongoing*. The Debt collection agency Cedars Business Services sent the validation letter to the XXXX apartment address on XX/XX/XXXX, knowing they I did not occupy this address any longer as I had moved out. This was even after I had sent them via email on XX/XX/XXXX explaining my new address. Fortunately I knew enough about credit protection laws to dispute the debt without the validation letter. However, this was intentionally misleading behavior from both XXXX and Cedars Business Services. 

The XXXX chargeback did not reverse the payment ; I have already paid the debt. So now XXXX is trying to double collect that money from me, while also engaging in questionable debt collection tactics. This is anti-consumer behavior : XXXX is breaking the Fair Credit Billing Act, which states that while a chargeback investigation is ongoing, the issuer XXXX not attempt to collect the disputed amount or treat it as delinquent. 

The company is intentionally intimidating me not to exercise my chargeback right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
Pacific Credit Collection is claiming that I owe {$3900.00} for a disputed bill with a veterinarian located in XXXX, CA. This is unfairly affecting my credit score. Because the transaction was verbal, apparently, I have no proof that what I am disputing is correct. We verbally authorized XXXX XXXX on our Pug, and the Vet performed an additonal XXXX without our consent, which ended up killing our dog. Now, 8 years later, they have put it on our credit report and there is no recourse for me. How is the possible? Please help. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Account opened on XX/XX/2021 for {$470.00}. I reached out and to XXXX XXXX [ XXXX XXXX  ] about an account opened in my name. I never applied for this credit card. This a fraudulent account. 

In Accordance with fair credit reporting XXXX XXXX  has violated my rights. 

1. 15 U.S. Code 1681 Section 602A States : I have a right to privacy.

2. 15 U.S. Code 1681 Section 602A States : A consumer reporting agency can not furnish a account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I reported identity theft to XXXX  XXXX  in XX/XX/2019. Thought it was handled. I didnt ever have an XXXX  XXXX  account, nor did i know it was on my social. I never saw bills or heard anythingg about it. Now suddenly in have an {$1800.00} collection from convergent outsourcing. I sent fraud packets to XXXX. Cant get ahold by phone. Pleas help. This is not my debt. I want to see these bills and where they were sent. And why my initial call wasnt documented then in 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Calls are from Midland Credit XXXX. MANY MANY different phone numbers over the course of 10 years, most of which I have blocked, in the past I have advised them many times the debt is not owed and has timed out in all cases and they need to stop calling but they continue to call. 

After repeated calls from me asking them to stop they have blocked incoming calls from my number and now I am not able to call back or speak to them if I wanted to ( it hangs up immediately or rings forever if I call them at any of their numbers which is why I know all these numbers are theirs ). If I answer the phone when a call is received no reply and the call drops. Almost all their calls are after XXXX and the debt they want to collect is not owed, already cleared from my credit report, over XXXX XXXX XXXX, and they have been advised not to contact this number any longer. Basically, I can check almost all the boxes on this questionnaire in relation to this company that has been hounding me for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has charged me predatory overdraft fees AND mistakenly held deposited funds from me for two weeks or more. Refunding {$310.00} of wrongly accused overdraft fees IS UNSUITABLE, and I will not go away until I have been appropriately redressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
I called the number provided by Monarch Recovery Services indicating that a debt from XXXX XXXX XXXX for an account an address in XXXX, XXXX  ( a place that I do not live ) was associated with my name, birth date, and XXXX-based mobile phone number. I don't have any magazine subscriptions, and do not live in XXXX. Just because I have a common name does not mean I should be harrassed by companies like this who have TERRIBLE reviews with the XXXX XXXX XXXX for similar actions with many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written my instructions. Under 15 UCSC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am a XXXX XXXX from the State of Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer uses XXXX to pay me. I had to open an account to obtain pay as my credit union does not participate in XXXX. I opened the account on XX/XX/2023. I informed the bank customer service rep that I needed to link an external account so I can transfer my check to a bank where I can access my funds. The customer service rep assisted me in linking the account. We completed the transfer. The bank informed me Tuesday XX/XX/XXXX that the transfer was cancelled and that was all I needed to know. I asked how I was to obtain my funds. I was told wait for your debit card to show up and then you may only obtain {$500.00} a day from the atm machine. When asked how much longer do I need to wait for the debit card I was told XX/XX/XXXX. Today is XX/XX/XXXX and no debit card, I called them again and asked when will I receive my debit card. You are on day 8, we take 7-10 business days to send your card. I was then told that it was strange that my card has not arrived yet, really the cards get to the address in 5 business days. So I was told nothing will be done until Friday XXXX XXXX XXXX. Then if the card does not arrive, I will have to cancel and reorder a new card. Again it will take another 7-10 business days after that to get another card, we do not expedite anything Ally goes on to say. I asked since you won't let external transfers go through, how do I get my funds. Well you can try XXXX at {$500.00} daily limit and a 3-5 business day transfer time. or you Can PAY US {$20.00} and we will wire it, however you called past XXXX XXXX and you will have to wait until Thursday XX/XX/2023. The fee is {$20.00} and you won't see it until the XXXX of XX/XX/2023. I filed a complaint with Ally Fraud Protection Dept. They told me that they were unsure if I would see this money, they said they could confirm that my money is mine. Fraud division said they have never seen such a mess, I went through the notes with Fraud protection and I was informed that I have never been told the same thing twice and they are unsure of the intensions of Ally Bank. Ally Bank is stealing my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
So I got a money transfer and I go to the XXXX XXXX  on XXXX and XXXX XXXX XXXX Arizona and they tell me that they can't give me the money until the funds are posted to my account okay at this time the phones are processing they're not posted yet okay so I go couple days later I go to the other bank on XXXX XXXX and XXXX  and the money is still processing and they gave it to me with no problem they said nothing about it having to post my account before I got the money nothing about we can't give you the money until the money posted nothing about none of that and it really kind of irked me because why is XXXX come XXXX business doing this and the same business but a different place of business is doing this I don't get it so I made a big old fuss and that was it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I was contacted by Aldous & Associates in regards to a blink fitness debt that I do not recall acquiring after speaking with them on the phone they said the original dent was {$20.00} but they are looking to collect {$140.00}. After repeated phones to the company to get clarification they couldnt provide me with any information and sent the following email 6 times : Unfortunately, we still havent received your payment of {$140.00} owed to XXXX XXXX. This has been past due since XX/XX/2022. If there is a reason for this delay, please let us know. We have contacted you hoping we can resolve this quickly. Please pay the outstanding amount as soon as possible. You can pay {$140.00} conveniently online at the link below The representative threaten to report to my credit and show as delinquent after numerous. Once I let them know I would report to FTC they hung up the call and any time I mention the FTC any representative I spoke with would hang up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I havent received any notification whatsoever. It has been over 30 days. 

Experience And Transunion are holding me back from getting a house. Experience and Transunion is not doing the correct job according to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation