vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. 

You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. 

I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.

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 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I'm a victim of identity theft, and I've disputed this loan several times and they will not remove it from my credit reports. I have not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a mobile banking app called XXXX XXXX  ( member fdic ) I was trying to transfer my savings to my new bank account I have with capitol one unfortunately capitol one froze the account because XXXX is an prepaid bank.. so I told them I can provide any information you need to prove and show you that every dollar belongs to me and they are really not trying to hear me out and is giving me a hard time its been a week.. everythings legit I have paper work, bank statements, emails, screenshots etc proving this is mines and that I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
This entity has not reported payments of two loans with it's entity to any credit bureau. It is believed that this entity violated the truth in lending act and several portions of the Fair Credit Reporting Act. This entity has been reported to the IRS XXXXXXXX XXXX XXXXXXXX for audit, recovery and recoupment of any and all remittances or monies owed to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have 4cards that use the same company. Commenity bank. I have had problems paying my bill due to being let go from my job and trying to catch up. This company claims I have a {$300.00} dollar balance on a card with XXXX. I do not I paid that card off and never used it again. Nonetheless this company has continuously harassed me by calling multiple times a day for months and even reaching out to estranged family members and letting them know I was in debt and that they were looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been contacting New Rez/ Shellpoint Mortgage since XX/XX/XXXX when my husband received a veteran 100 % XXXX exemption on our property taxes. They refuse to re look at my escrow overages and re analyze it. I have told them the hardship this causes on a XXXX veteran. I also had my XXXX appraisal district write them a letter validating we are exempt and to stop all escows for XXXX. They still refuse to make any updates or changes, they will continue to escrow me until the new tax bill in XXXX of XXXX and by then will owe me close to XXXX in back money. I have submitted over 20 requests and complaints to them to stop escrow, service complaints and to delete my escrow all together. The refuse and site policy 's not to do so. They are very deceptive an are practicing red line process against a US veteran and a XXXX person. Please help we cant continue to pay over XXXX a month more then we should. I do not want to loose our home. The are violating my rights as a XXXX person and the texas tax code. 

Texas Property Tax Code 11.131 ( b ) states, A XXXX veteran who receives from the United States Department of Veterans Affairs or its successor XXXX percent XXXX compensation due to a service-connected XXXX and a rating of XXXX percent XXXX or of individual unemployability is entitled to an exemption from taxation of the total appraised value of the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: TX

Complaint narrative:
On XXXX XXXX i fell victim to multi-layered scam operation run by fake officer of the FTC ( the scammer ), which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm. I had sent my complaint letter to Bitcoin of America, in which i clearly stated how this scam has affected me personally, psychological and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on 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 2022-12-15 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:
Ive been a victim of identity theft and Ive file many disputes to remove these files on my credit report. Investigation did not fix error on 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 explanation
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-15 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: CITIBANK, N.A.
State: RI

Complaint narrative:
I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO - PAYMENT XXXX XXXX On Time CO Charge off - Data Unavailable

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 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
replying to case number : XXXX XXXX XXXX XXXXXXXX is Continuing to break federal law. I never refused to pay but only asked for debt validation pursuant to 15 usc 1692g which was sent to their company, and they never responded with the documents validating this alleged debt. No contract or agreement or anything. When I filled out this agreement I was not informed on basic facts, such as you needed two consenting parties to make an agreement. That I needed to understand what was in this agreement it had to be clearly and conspicuously explained to me to know what I was agreeing to, which they did not do. I was supposed to make an informed decision pursuant to 15usc1601 ( a ). I made an uninformed decision onXX/XX/2021when there wasn't any evidence of indebtedness, the only evidence of indebtedness was the agreement but because it was an uninformed decision that agreement is null and void. The agreement never served as adequate notice because the agreement never set forth those pertinent facts clearly and conspicuously to me where I could notice it and understand its meaning pursuant to 15usc1602 ( k ). XXXX XXXX XXXX then sold my nonpublic information to RESURGENT capital services, and they admitted to purchasing it. These companies have been damaging my reputation by reporting inaccurate information on my consumer report advertising it to the public and I don't know who is seeing it. I am tired of being a victim of these criminal acts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/2022 I made an XXXX purchase which I thought was on my XXXX card, but went to my Chase XXXX card instead. This would have been no big deal except that Chase had decided at random to change my address and so sent me no statements nor emails saying the bill was due or past due. In XXXXXXXX XXXX XXXX  sent me an email saying I had missed a payment on JPMBC, once alerted to this I managed to track down and determine what was going on, Chase admitted they had changed my address and had gotten this new fake address from the post office. After hours on the phone their customer service person agreed to waive all fees and I agreed to pay the original amount that it shouldve been in XXXX of XXXX. They then transferred me to a card supervisor XXXX ID number XXXX so that she could correct my credit report to reflect that I have not missed payments etc. She was extremely rude and simply lied saying that they could only get the address change with authorization from the card holder. At one point she, admitted they had changed the address due to the post office, not to mention several other people I had spoken to that day also stated the address change was because of the post office. She also tried to claim that they could only go by the information given on the original opening of the XXXX account, which of course had my actual Address since I have not moved in 22 years. She absolutely refused to correct the credit report and when I called to pay the original amount had put some kind of flag trying to reinstate all late fees, interest etc. my attorney advised me to pay no more than the corrected amount since they had randomly decided to change my address, and to file this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I tried making XXXX payments from XXXX month which did not go thru in XX/XX/XXXX and XX/XX/XXXX. I did not get any communication in email or phone or text message. All of sudden I see a credit score drop of XXXX points this morning for myself and my cousin. So I went immediately to PNC website and paid it off. But now, this has to be removed from my credit report as well as My cousin 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not authorize these inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
XX/XX/2022 I was notified my name was inthe XXXX XXXX and XXXX XXXX breaches, filed a claim wth XXXX and filed a FTC ID affidavit. 
This would be my third time sending some king of communication to Transunion. I promptly ordered a free credit report and found many erroneous names, addresses, ssn and accounts that were not mine. 
Transunion Fraud Dept gave me a claim # XXXX to help me remedy this matter quicker but, i was unable to download or receieve free credit reports as stated. 

I notified the credit bureaus and creditors and so far many errors have been rectified. 
Transunion has been the only company which has consisently violated my rights by not letting me able to dispute and then say the info was verified when the XXXX and XXXX have deleted these fraudulant accounts. 
Names on my report are not correct, addresses and accounts from addresses that are errors. 
Pursuant U.S.C 1681, I have right fair an accurate reporting of info on my reports. 
I am requesting these accounts be removed

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 2022-12-15 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX took over from XXXX XXXX  XXXX XXXX Credit Card. At the date of the switch, I had a balance of {$1900.00} with XXXX that switched to XXXX. I never received my card from XXXX so I was never able to activate my account or access it online. Nor was I able to send payment with the correct account number, since I didn't know what the account number was. The payment was due on XX/XX/XXXX. I used online bill pay with my bank, XXXX, to make the payment. They mailed a check, # XXXX to arrive on XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX that my payment was now due on XX/XX/XXXX, so I called them on XX/XX/XXXX. They claimed not to have received my payment. I emailed my bank on XX/XX/XXXX. I asked them if they had the canceled check. They emailed me back that they did not on XX/XX/XXXX. I then asked them to stop pay on the original check and send a replacement, which they did on XX/XX/XXXX, ck # XXXX. On XX/XX/XXXX, I called XXXX to see if they had received the replacement check. They said they had posted a payment of {$1900.00} on XX/XX/XXXX, two days before I had called them the first time. I asked them why they had told me that they didn't have my check on XX/XX/XXXX. All she would say was that the check was returned, but payment was not stopped until XX/XX/XXXX, so they had my check on XX/XX/XXXX and had even posted it, but lied to me about it. And there is no reason that it should have taken until XX/XX/XXXX to get the check since it had been mailed to arrive by XX/XX/XXXX, so they deliberately held the check until after the due date to charge late fees and interest. I contacted XXXX today, XX/XX/XXXX, and am told that the second check is still outstanding. So despite the fact that it was sent on XX/XX/XXXX, it appears that XXXX is again holding it until after the due date. They do not accept ACH payment. They allow payment on their website, which I couldn't access since I never got my card from them. They allow payment over the phone but they charge for that. So they basically forced payment by a mailed check and then hold the check long enough that they can charge interest and late fees. And they are wrecking my credit with this practice.

Company response to consumer: Closed with monetary relief