vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
ON XX/XX/2022 AUTOTRAKK LLC threated to take legal action against me XXXX XXXX XXXX XXXX, consumer first, for not paying for a debt has not been validated legally and they threatened to get me arresting under XXXX  XXXX XXXX. This is against the fcra and i have came to this knowledge recently, AUTOTRAKK LLC has caused me fear, defamation of character, and grief with the inaccurate reporting in which i cant be approved for anything and committing to get me arrested which is unlawful un the FEDERAL PROTECTED CLASS FCRA 15USC1692e as it states " A DEBT COLLECTOR, IN COLLECTING A DEBT, MAY NOT USE ANY FALSE, DECEPTIVE, OR MISLEADING, REPRESENTATION. FOR EXAMPLE, A DEBT OLLECTROR MAY NOT : THREATEN TAKE ANY ACTION WHICH IN NOT LEGAL OR INTENDED.ALSO FALSELY REPRESENTS OR IMPLY THAT A CONSUMER COMMITED A CRIME OTHER CONDUCT TO DIGRACE THE CONSUMER. DEBT COLLECTORS WHO VIOLATE THESE LAWS CAN BE HELD CRIMINALLY LIABLE UNDER THE FCRA UP TO {$1000.00}. 

I also sent a cease and desist letter out on XX/XX/2022 VIA EMAIL AND CERTIFIED MAIL to AUTOTRAKK LLC AND THE CEO XXXX XXXX, XXXX, XXXX, AND XXXX and replied back and said and i quote " that don't mean anything to us '' AUTOTRAKK LLC has completely disregarded my cease and desist and is in violation according to law.in the FCRA it states " WHEN A CONSUMER REFUSES, IN WRITING, TO PAY A DEBT OR REQUESTS THAT THE DEBT COLLECTOR CEASE FURTHER COMMUNICATION, THE COLLECTOR MUST CEASE ALL FURTHER COMMUNICATION, EXCEPT TO ADVISE THE CONSUMER THAT : THE COLLECTION EFFORT IS BEING STOPPED. Beyond this point i have received over 50 phone calls all attached below in attachments. They have harrassed me for months after me telling them verbally and written letter to leave me alone and stop communicating with me and all CRAS ABOUT THIS DEBT. also attached is my consumer profile information from AUTOTRAKK LLC up to date as of XX/XX/2022 which should not be reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Happy Holidays to all the good people at the CFPB. Thank you for your service. It has been brought to my attention that I am being Extorted, discriminated against, and unfairly treated by the deceptive and fraudulent business practices of Bank of America. I have been a client with Bank XXXX XXXXmerica for roughly 2 years. I have given Bank of America at least $ XXXX in overdraft charges and Im still acting in good faith in regards to my relationship with B of A. Sometimes the straw can break the camels back. I contacted Bank of America about the credits owed to me on my account as a result of my deposits and FDIC insurance that isnt applied to my account when it should be because I signed a signature card with my social security credit card number in on the application provided by Bank of America. I received a XXXX credit from the XXXX system to my bank account and Bank of America put a negative sign on my credit deposit to my account and took the money out of my account. I called to get understanding and they told me they had no answers. I am the living Man who signed the application for the account with Bank of America. I deserve my credits & they should not be withheld from me. I am hurt beyond repair. Im tired of XXXX with power. Please help

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized inquiries on my report that I did not initiate and needs to be removed immediately.

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 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DE

Complaint narrative:
We use The Square as a method of taking payments from customers. Over the last four weeks, all funds in the account have been suspended and the company will not release the funds. They have requested additional information on several occasions that was supplied to them. THe most recent request for information reveals that there are two customers and they want an invoice on both of these customers. The invoices were submitted. In speaking with a manager on XXXX they are requesting additional information on the customer specifically : address, phone number, e-mail address. The customer feels that providing this information to this source is an invasion of their privacy and does not want it disclosed. They are also stating that they don't want the information disclosed because they believe the company sells their information.The Square is stating that they will not release the funds in my account until they have this information. I requested that The Square withhold a total of {$300.00} which is the total amount for both invoices and release the remainder of the funds since they are not in question. THey refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.

Complaint narrative:
Upon reviewing my credit report I noticed that my credit had dropped over XXXX points recently. There are several duplicate collections accounts on my report that do not belong to me. They are my wife 's medical bills, not my own. I did not consent to any of the care that she received in the hospital, that was her choice alone. 

Attached you will find photo copies of my credit report and my wife 's. The first photo with the circled collections is mine, the other photos are screenshots of my wife 's credit as listed online through the portal. She has consented to me sharing these photos and I will list her contact information along with mine so that you may reach out to certify consent if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
There is a banking account that I do not recognize with XXXX  XXXX and now I am being sued because of it. Someone has used my information to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a Kohls rep on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been XXXX days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If Kohls is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a Kohls error. 

I spoke with XXXX XXXX from Executive offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
I have been attempting to speak with or communicate with Mohela Student loan about my loan forgiveness for XXXX. They refuse to provide any data or to process my application to XXXX despite repeated phone calls and messages requesting assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: FL

Complaint narrative:
I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of 15 USC 1681e ( b ) which states 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, in which Experian failed to do this. Experian is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Experian to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Experian is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.

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 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was informed by a TransUnion employee that I need to submit a FTC report along with my statement and I.D . Please see the items that are attached to this complaint. Thank you.

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 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NRA Group, LLC
State: NJ

Complaint narrative:
We try to find out with this company National Recovery what is going on with the debit reported for a {$4500.00} and was told to me that this debit it comes from a gas company XXXX XXXX. I ask to have some paper work that to confirm this bills that i own because there is no chance that i own those money.If you own anything to any utillity company if u do not pay for a month your bill they will stop your service but {$4500.00} ar to much for a bill This company try to threat me that they take me at court and thet will have a Sheriff Department coming to arrest me if i do not pay.My life is so stresefyl right now from this company. 
They can't prove the bills to show the real amount The adress on file do not match at all with where i live and the state i am in

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have an account with navy federal and I suffer from XXXX  I had an episode went to the hospital and someone used my account in the process to deposit a check and withdraw the funds. I have no way of knowing who did it because I was in the hospital and it left my account in the negatives how do I fix it because I cant open a bank account now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have a negative balance on this card of over {$5000.00} beginning XX/XX/XXXX. On XX/XX/22 I called to get the balance refunded, on XX/XX/22 I called again as i had not received it yet, on XX/XX/22 I called yet again, and still have NOT received my {$5000.00} negative credit balance. I have phone records to show my phone calls and the statements. I tried to put it in writing but the app told me on the chat/message that it was something I had to call in person for. There wasn't even a fax # where I could fax the request. Highly unethical as that would be obvious and quick proof to show the request was made... several times. 
I was told the first time I called I would receive an email link so I could get it back quickly. XXXX Calls and I haven't received anything! Looking into it they have blatantly violated my rights. My understanding is I am supposed to have that credit back within 7 days of my request. Well it's been over a month an I don't have anything. 

I'd also like to add that each time I waited on the line to take a customer service survey they asked me to before the call but each time, I never got the survey. 

I can provide any documents ( phone records ) upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Aggressively recruiting students to take out loans with no regard for their ability to pay them back and predatory lending practices. Forced me into a high interest loan with little to no financial aid. These student loans are also from XXXX XXXX who along with Navient has been found to have fraudulent behavior regarding taking advantage of students at a young age to take out high interest loans. I borrowed between after XXXX and before XXXX where Navient was found guilty of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by a person I thought was my friend. I sent XXXX for concert tickets and then the scammer ( on XXXX ) blocked me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am interested in disputing all incorrect information on my transunion credit report. a lot of information invalid and is hindering my file.

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 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Requested a forbearance and Bank of America Agreed.. with no payments from XX/XX/XXXX to XX/XX/XXXX. 

Then they called XX/XX/XXXX and spoke to them. They then informed me that payments were being backlogged and that they were all due XX/XX/XXXX. 
This was not shared with me when they approved the forbearance. 

This is another attempt by Bank of America to defraud the public and sieze property as an attempt to foreclose. 

A clear bait and switch program.

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 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a check to sell my boat. Prior to depositing the check I called the issuing bank to verify the account was active and had the funds. I deposited the check into my chase accouint and waited the XXXX days for the funds to clear. prior to releasing any product I called chase on XXXX seperate recorded lines to confirm that the check was a good check & the funds were in our account. Both times yes I was told the funds are good and I could proceed. 

10 days later I was told the check was a fraudulent check and they reversed the money. On top of all that now they are clsing my account due to this fraudulent check. I had a wire transfer & payroll check deposited to cover the negative balance immediatly when I was told it was a fraud check and my accountg was negative. Now I have no access to my account and get get the money out of my accouint to open a new accouint. 

I never wouldve been in this situation had chase not told me on XXXX sepearte occasions that the funds have cleared and all was good to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have homeowners assistance through HAF. They make a payment every month to Bank of America. Every month Bank of America always state that they can not find my payment that is sent from XXXX from the home owners assistant funding. They are now stating that they do not have my payment and I am 2 months past due. This has been happening so long. I am concerned about my home. HAF has proof that the payments are being applied

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 2022-12-01 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: MO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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