vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I purchased a XXXX XXXX device from Amazon and decided to return it with another Amazon item, a cell phone cover. 
The order was delivered back to Amazon on XX/XX/XXXX, per a Supervisor I spoke with today, but they say that the XXXX was not in the package and requested that I return it or else they would reverse the refund. 
I've gone back and forth with them on the phone and now in email, letting them know that I do not have the XXXX, they have it. I can not return something I do not have. If there was a mix-up in the packaging, then both items would be in question, not just the XXXX Truth is, I did not mix them up. I've returned numerous items over the 10-plus years that I've been a prime member. I know what I'm doing. Plus, mix-up or not, they still should have both items. 
I had requested that they send back the packages so that I can review them and straighten them out if needed, but they won't do this either. 
They can not have both my money and the item, not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We deposited a check in the amount of {$220.00} on XX/XX/2023. The same day the bank made an adjustment and debited our account for {$61.00}. When questioned they told us that because the check was from XXXX, the adjustment was because of the difference between dollars and euros. The check was clearly made out in dollars. See case # 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 2023-07-18 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: FL

Complaint narrative:
In late 2022 I was a victim of credit card fraud. I became aware when the credit card company began collection efforts. When contacting the company, I was asked to provide a list of information for their investigation. That list included copies of two months of checking account statements and if we suspected someone could have accessed my personal information. That was sent to a XXXX XXXX for their company at their request. When no action was taken, I called to follow up. They claimed they had yet to receive it. They asked to be sent to a second suggested XXXX XXXX XXXX which I did. That second communication to them was verified received, yet they claimed they never received it. They then suggested it be sent by fax to their fraud department, and that was done. On XX/XX/XXXX, they verified by phone it had been received but would take 15 days to upload in their system. On my XX/XX/XXXX follow-up call to them, they then said it had yet to be received and asked for the fourth time to fax a different fax number which has been done. 
They need to be more truthful about receiving the information THEY requested.

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 2023-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage servicer is loancare. I am formally making a complaint as they have been consistently mis-applying my mortgage payments. My mortgage was paid by HAF ( Housing Assistance Fund ) from XXXX XXXX XXXX Each month my payments were applied more than 30 days late. In XX/XX/XXXX HAF sent them a lump sum amounting to XXXX. They returned the lump sum and did not apply XXXXXXXX XXXX payment, then reported me to the credit bureau for being late. I called them over 30 times to explain to them that the payment should be applied to the principal balance. 

As of XX/XX/XXXX, I resumed my mortgage payments as HAF 's last payment was in XXXX. They have applied both XXXX and XXXX in an unapplied balance account. When XXXX payment is made, they will have 3 payments in this account without being properly applied. Their system shows that I am 78 days past due making me unable to make payments online. I was told 3 different dates for this matter to be resolved. Today when I called, the Representative is now quoting a much later date. The Rep. did mention that my account shows current with the credit bureaus and they would not report me thankfully.

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 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
I'm receiving texts every 1 to 4 days about a debt that was never sent by any of the origination companies, and that isn't showing on my credit report. Upon further investigation, this looks like a common problem with this company. This is one of the texts and it didn't make sense. Why would they return my account to anyone? That's not how debt collection has ever worked, in my experience. 

We have limited time to work with you before we must return your XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from Dynamic Recovery, a debt collector. Reply STOP to opt-out I haven't clicked on anything or replied to anything, but this number belongs to the company listed, I did check that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Received a email that said it was PayPal stating that someone had tried to charge XXXX to my account. And to call this numberXXXX. When I did that when everything went south. It end up coasting me XXXX XXXX XXXX XXXX XXXX. Had to change my banking information. They hacked in to my computer XXXX. It bad. Picture of my driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a business credit card with Bank of America that I am past due on payments. I have attempted to setup a payment plan however upon my last contact they told me I was in collections with another company and forwarded me to XXXX to talk about my repayment options ( who subsequently have not gotten back to me ). 

Last Tuesday XX/XX/2023 Bank of America 'offset ' my personal checking and business checking in the amounts of {$1600.00} and {$970.00} respectively in order to collect a portion of my past due amount leaving me with {$100.00} in each account. I tried calling to get the money back and to pay {$500.00} to cover a portion of the debt owed with the understanding I would get on a payment plan to cover the rest- they refused. 

I went into a local branch today Tuesday XX/XX/2023 to dispute this offset and was given the same response- they will not return the offset and only after I setup a 12 month payment plan will they stop future offsets. The manager recommended that I not use my account until I have setup a payment plan as she was concerned the bank would continue to draw out of my account. 

Based upon my reading of 1026.12 ( d ) Special credit card provisions ; 'a card issuer may not take any action to offset a cardholder 's indebtedness arising from a consumer credit card transaction against funds the cardholder held on deposit with the card issuer ' what the bank did was illegal.

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 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The XXXX XXXX XXXX XXXX has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from Capital One. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America took away the option to set a fixed amount other than the minimum payment due or the entire balance due on its autopay function. Although under info it says you can set a fixed amount of your choosing for monthly auto pay, when you go to the drop down menu for autopay options, only minimum monthly or entire balance appear. I called BoA 's customer service on XX/XX/23 to find out why fixed amount did not appear in the options for autopay in the drop down menu and she said " they took that option away, you can only set autopay to pay the minimum monthly payment or the full statement balance. '' I asked her to file a complaint about it and she said my complaint ID was " XXXX. '' I think it is unfair to remove the option to set a fixed monthly amount of your choosing for monthly autopay and meant to make the autopay function meaningless so people miss their payments and they can charge them more fees. I have a 0 % interest balance transfer and I want to set a fixed monthly payment to pay down the balance before interest charges kick in a again, but because I can't set a fixed amount on autopay, I am forced to login every month and make a payment.

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 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account has been frozen since friday XX/XX/XXXX and I cant access any of my money to pay my bills and feed my family. I have had this account since XXXX and I dont understand why they would not allow me to use my own money. My employer direct deposited my paycheck of {$3800.00} on XX/XX/XXXX and I havent been able to access any of it. My cable is due today and my electricity tomorrow and I wont be able to pay it because Bank of America wont allow me to use my money from my paycheck. All my money is in this account and Im running out of money. Ive called the bank 5 times and nobody gives me a reason and just keep telling me to call back in another 48 hours. This is unacceptable!!

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 2023-07-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX  XXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-07-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-18 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
My wife and I rented an apartment from XXXXXXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. We noticed " admin fees '' were being added to our rent each month for roughly {$180.00} and when we asked what it was for, we were told not to worry about it because they would be reimbursing us for these fees in the form of gift cards and we were also told these gift cards could be used to pay rent. See XXXX. XXXX email from XXXX XXXX on XX/XX/XXXX. These cards were to be issued by a 3rd party called XXXX XXXX, a company that XXXX partnered with to provide gifts to their residents and seem to be doing business with them regularly. 

In the email attachments included, you will see that the gift cards, in fact, were not able to be used for rent when trying to apply them to my debt multiple times. I have documented pictures and proof of the cards not working and her team letting me know they should work and they would be contacting the company. See XXXX XXXX with error messages I was getting from their website attempting to use the gift cards and sending this to the leasing team. I sent the emails containing the gift card links back to the leasing office as soon as they didn't work. I was told they would work with the company to address this issue and I had to continuously follow up with them for a few months until I finally heard back in XXXX. On XX/XX/XXXX, XXXX, the manager, informed us that they requested the gift card balance be sent back to them to apply directly to our account. I followed up with them for a month and received no response. On XX/XX/XXXX, XXXX informed me that management would apply a concession in the amount of {$2300.00} as per her email on XXXX XXXXXXXX. At this time, I did nothing with the gift cards as we were told that management would be removing the credit from them and using it towards our concession. 2 months went by and we heard nothing from from so I followed up as our lease was coming up and they had our security deposit and had not issued the concession they were claiming we should've received in XXXX. I was ignored and when we moved out, they didn't mention the gift cards again. Before we moved out, I let them know again that they failed to send us the concession that was promised in XXXX and that they could take that money and apply it to the last month rent as we did not want them stealing money from us. They finally replied to us, after we moved out, claiming they reached out to XXXX XXXX to reissue gift cards, which never happened, and that we still owed them money. And then, last month, I was contacted by Columbia Debt Recovery and was informed that I owed them the remaining balance of {$2200.00} and it was starting to accrue interest. I pled my case to the credit bureaus but they could do nothing so I'm hoping this can help resolve what I believe is not my debt to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
According to the law, any authorization or approval of credit must be obtained directly or indirectly from the issuer of a credit card or similar device. The term " Exclusions '' refers to the process of excluding or being excluded, leaving out any unauthorized credit activity. 

Under the law, the definition of a credit card is broad and encompasses various types of cards or credit devices, including cards, plates, coupon books, or any other device used to obtain money, property, labor, or services on credit. It is important to note that Congress explicitly states " ANY card '' in the definition. 

In my particular situation, the credit card in question is my social security card. This card is utilized to initiate every consumer credit transaction, serving as the primary identification for credit purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: SC

Complaint narrative:
Im a victim of fraud. I have contacted XXXX, Equifax, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to Equifax, XXXX, and XXXX. XXXX need to remove fraud accounts. The 6 frauds accounts are : - XXXX XXXX  XXXX {$280.00}. Account Number:00XXXX XXXXXXXX XXXX XXXX : {$5500.00} Account Number:XXXX which is a fraud business account. I'm not a business. 
XXXX XXXXXXXX XXXX XXXX {$21000.00} Account NumberXXXX -XXXX XXXX XXXX XXXX  Balance : {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX , Balance : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} Account Number : XXXX -XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON EQUIFAX ONLY. 
XXXX XXXX XXXX : Balance {$23000.00} Account Number : XXXX. I been a victim of fraud since 2015. I have been disputing fraud accounts. I have attached my theft report.

Company response to consumer: Closed with non-monetary relief