vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a phone call from a regions bank representative. The representative was a man. He proceeded to inform me that my money-marketing account had a fraudulent transaction and the protocol he wanted to make sure it was not me.He proceeded to informed me that the transaction was from Texas.I took the extra precaution to called the XXXX and it came back to Regions Bank . I proceeded to the call with the representative on my other phone. He proceeded to tell me I had to reset my password and he helped me with changing it to a XXXX XXXX  .After he helped me with that He proceeded to also give me an Investigation number for this whole fraudulent activity and the was XXXX.He said that he had to remove the 2 XXXX  phone that was being used for XXXX XXXX.He informed me that someone will contact me the next to day to keep me informed on my fraudulent transaction. The next day I received a call from female Regions Bank representative inquiring if I try an ACH transaction to an XXXX XXXX XXXX in total amount of {$52000.00} XXXX. I informed her that it was not me. I was told to go to the bank and they will give me a pin because it was not my usual ACH transactions. The representative assured me that the transactions didnt go through. They informed me at the bank that my account was locked. On XX/XX/XXXX I was made aware that my money was not in my account. All of this was done as an ACH transaction. I explained to them I did not receive a call from the bank to authorize these transactions. Like I normally do whenever a ACH is being done The bank informed me they was a FDIC bank. If they do not locate my money they cant refund it back to 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 monetary relief
Consumer complaint received 2023-07-28 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call But they didnt stop there. I have a recording. Of me telling them its a bad time for them to call. I also have screenshots of them calling day after day at the same time. Making me feel uncomfortable. 
I looked up this law 15 USC 1692 who is the FDCPA and in section 1692c ( a ) ( 1 ) it says. At any unusual time. Or place or a time of place or which should be known to be inconvenient to the consumer in a absent of knowledge or circumstances to the contrary a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX XXXX  local time at the consumers location Which means that if I told them it was not a good time they should know that the Time they called me was inconvenient They also violated me again under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692

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 2023-07-28 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: TX

Complaint narrative:
Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America makes it unusually difficult for Business Credit Card Customers to set up the Minimum Due payments to be withdrawn from clients OTHER bank. 
XXXX Bank of America, ( on Business Accounts ONLY ) makes it difficult for clients to set up AUTO pay for a minimum balance due, and Instead only allows clients to set up Pre-set amount of payment. ( and Not minimum payment due ). I believe that BOA makes it difficult in order to generate millions in Late Charges from Business Clients. 
My Example : When I received my business credit card, I went on the website to set up auto withdraw for a minimum amount due, and for Paperless statements. my minimum payment due was $ XXXX. After about a year of auto payments, I went online to check my balances, and learned that I was charged XXXX XXXX monthly late fees for 4 months because the minimum payments increased ( due to the rate increase ). When I called BOA, to explain my situation, and to explain to them that I set up min payments to be withdrawn, they stated that it was not the case, and that I was supposed to go through extra steps in order to do that .... 
I believe BOA is making it difficult for clients in order to generate extra revenue.

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Volvo Car Financial Services U.S., LLC
State: IL

Complaint narrative:
OnXX/XX/2023 I signed a lease with XXXX Volvo in XXXX for a XXXX XXXXXXXX XXXX. The salesman gave me a lease agreement ( signed by the manager ) that stated the selling price of the vehicle was price was {$57000.00} and the net CAP cost was {$55000.00} after the Federal EV Rebate and Teacher Rebate.

The same day, I went to sign for official lease when I saw that the selling price is now {$59000.00} ( an increase of {$1900.00} ) and net CAP cost was {$55000.00}. I saw the price increase and asked the finance manager about it as that was not what we agreed upon. The finance manager then went to checked with the general manager, and she assured me that the reason for the selling price increase was due to the " tax on the federal rebate ''. I called back when I was home to have them re-explain this discrepancy to me, as I found it to be suspicious that there was a tax on the tax rebate, and they told me that " they'll check on it and get back to me ''. It's been 4 months and no communication from the dealership. 

On XX/XX/XXXX, I wanted to buy-out the lease. I contacted Volvo Car Financial Services ( VCFS ) and the cost of the buyout came to {$59000.00}. This total included a {$3900.00} in sales tax. According to the lease agreement, contract obligation already included a sales tax of {$3100.00}. After communicating why there are two sales tax included in the buyout, VCFS claimed a variety of reasons why this was the case, from " the dealership already paid the taxes '' to " you need to be reimbursed by the state of Illinois. '' Please see the " buyout messages '' PDF for the conversation between the me ( Customer ) and the VCFS representative XXXX XXXX XXXX XXXX ). I also contacted the finance manager ( XXXX ) at Volvo XXXX in XXXX for information about why there were two sales tax when I wanted to buyout the lease on XX/XX/XXXX, hoping they can explain to me why that is, and they did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV

Complaint narrative:
I was contacted through text from ARS. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To : CFPB I am writing to bring to your attention a concerning matter regarding an ATM fraud claim that I recently submitted to Chase XXXX XXXX XXXX. 

On XX/XX/23, I reported a fraudulent transaction that occurred at the Chase ATM located in close proximity to the branch. Someone fraudulently took out {$4000.00} from my checking account. Despite my prompt reporting, I was informed that my claim was denied due to the proximity of the ATM to the branch. However, I would like to highlight that the investigation conducted by Chase did not include a review of the video footage, which I believe is crucial evidence in determining the validity of my claim. I also have video footage of my wife through our doorbell camera as these transactions were happening. ( My wife had her card with her at all times and did not loose it ) Chase insist that the pin and chip was used so it was denied.

I understand the importance of thorough investigations to ensure the accuracy of claims, and I am deeply concerned that my case was not given the appropriate attention it deserves. Fraudulent activities can be distressing for any customer, and as a loyal account holder with Chase, I am reaching out to request your assistance in reevaluating my claim and conducting a comprehensive investigation, including a review of the surveillance footage. 

I firmly believe that with a proper review of the video footage and a careful assessment of the transaction details, the veracity of my claim will become evident. I have been a faithful customer of Chase for many years, and I am hopeful that my concerns will be addressed promptly and fairly. 

I kindly request you to initiate a reconsideration of my claim and conduct a thorough investigation into the fraudulent activity that I reported. Your assistance in this matter would be greatly appreciated as I seek to resolve this issue as quickly as possible. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
More inquires that I did not authorize 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 of XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Well over 30 days ago I tried to log into my account but appears to be blocked from all access using the account portals. When it tells me to use my debit card and provide last for social security digits it says non existence account or no information matches my profile. When I log unto the online banking I can not gain full access because the account log in page will not open. Something different appears in the browser page as The XXXX XXXX XXXX XXXX XXXX  and not pnc.com. I contacted the bank but they have not been able to assist me with this problem instead they tell me my account has been hacked, which I am already made aware. The company I use to work for XXXX unauthorized a transaction debited to my account that was closed sometime last year from XXXX XXXX XXXX XXXX XXXX XXXX. Again, my browser was blocked from my phone access to review my account for missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from FNBO stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau XXXX reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that FNBO had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to XXXX at FNBO XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what FNBO has done to my credit.

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 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received promotion from Chase. 

Attempted to enroll and unable to enroll. 

Tried for two days and over 30 tries.

Reason indicates system is not available. 

Called customer service for resolution. They advised they are unable to help and resolve problem. 

Service is poor. Unable to enroll in targeted promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a Credit Card with my bank and they regularly report my credit to Equifax and Equifax says they do not have a file for me. Verified with all personal identifiers and Equifax does not have a file for me in my SSN. My bank says they have been sending the credit files on my credit card after every billing cycle to all 3 reporting agencies. I am able to get my credit report with XXXX and XXXX, the issue is just with Equifax. My bank says the issue is with Equifax and Equifax says they have not received the file from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: DISCOVER BANK
State: MS

Complaint narrative:
XX/XX/XXXX made an online payment of {$90.00} for a payment plan to Discover card- the payment cleared to be paid to Discover card. XX/XX/XXXX discover drafted another {$90.00} that didnt clear causing an insufficient funds fee of {$26.00}. I contacted them about the issue on that day & soon after another attempt was made to get the {$90.00} & my account accrued a 2nd insufficient funds fee of {$26.00}. I contacted them and asked to refund the {$52.00}. After phone tagging for several days my request was denied to have {$52.00} refunded to my account even though I made the payment on time & the money was in the account. I had asked to provide proof of my the transactions but was declined to do so. In the 1st attachments I took a screenshot of my payment to discover & the 2nd and final screenshots are of my bank account. It shows the 1st {$90.00} I paid on the XXXX cleared fine & my remaining balance was {$66.00} & change until 2 more attempts to get money were made by discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
My account with CNAC was closed in XXXX and it's listed as a charged-off account for the amount of XXXX. The car needed repairs and had stopped running in XX/XX/XXXX. Instead of working out a solution to repair the car and a payment arrangement to pay for the repairs, they kept the car and listed it as a repossession on my credit report. I had a good payment history with this company from XX/XX/XXXX to XX/XX/XXXX, then the car stopped running. 

I requested a 1099-C since the balance is over XXXX. I sent the letter on XX/XX/XXXX. The company sent me back my letter with handwritten notes on XX/XX/XXXX. I am still requesting a 1099-C form for the charged-off amount listed on my credit report.

Company response to consumer: Closed with explanation