vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
See attached. 
Get these panhandling frauds out of my email inbox. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

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 2023-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I must refinance my home by XX/XX/2023 ; consequently, if the closing does not take place by this date, I will lose my home of ten years. Due to an outstanding debt, there was a lien on the title of my home. While ( successfully ) negotiating a debt settlement amount, the debt collector sent me a letter/notification stating, " Upon receipt and clearance of your payment in the above amount payable to this law firm, we will forward to you a Satisfaction of Judgment '' ( please note the fourth paragraph of the attachment ). 

My payment, which was wired to the law firm, was cleared and posted the same day. Following three days of no news I contacted the law firm and was informed, " The Satisfaction must be recorded by the clerk of courts office ''. Moreover, " That process takes 6-8 weeks minimum to complete ''. 

On the advice of my mortgage company, I have made numerous attempts to contact this law firm to obtain an original Satisfaction letter so that I may hand deliver it to the Courthouse and have them immediately record it so that I may obtain a book and page number to satisfy the mortgage company ; I have received no response. I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an account with a balance and closed, the account was closed by the bank for a negative balance but it was paid. 
Credit Bureau are all showing that the balance is still negative {$140.00}, i have disputed through the Credit Bureaus and the credit union replies that the information was submitted correct at the time and they can not correct the information now.

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 2023-07-20 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: CO

Complaint narrative:
I have not given written consent to report anything on my credit report 15 code 1681-b

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 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I literally just received a notification from XXXX that there was a change to my report due to Midland Credit Management. When I check on what it was it stated a collection for something called XXXX XXXX. I have not received any prior notification from Midland Credit Management. I did not receive a letter that gave me the opportunity to dispute or anything. THIS IS ILLEGAL. YOU CAN NOT JUST POP UP OUT OF NO WHERE ON PEOPLE CREDIT LIKE THIS IS A GAME OF JACK IN THE BOX OR PICK A BOO AND THINK IT IS OKAY ... ITS NOT ... .I AM GOING THROUGH ENOUGH AS IT IS FROM XXXX XXXX XXXX OUT OF NOWHERE I AINT GOT TIME TO KEEP TRYING TO HAWK MY CREDIT REPORT BECASUE OF PEOPLE LIKE YOU .... IM REALLY FEELING XXXX XXXX DUE TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.

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 2023-07-20 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: TX

Complaint narrative:
Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
I work for a company, I am an employee, not an owner, partner, or principal. XXXX XXXX at Southwest recovery services is threatening to have the debt attached to my personal credit, stating that he knows my Social Security number, even going so far as to read the last four digits back to me. The debt he is calling about is a debt related to my employer. He is repeatedly calling, with abusive, demeaning and threatening statements.

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
the other XXXX XXXX XXXX called about a fraud attempt to obtain financing tob uy or lease or mortgage car at XXXX or else where, and on my creditr report I see ther was also an inquiry to capital one auto finance on XX/XX/23 also and I have no capital one auto inquiries and this is a fraud. Capital one I called twice and they seeemed unable to help me and kept me on hold for 15 minutes and did nothing. 

SO I am forced to file this complaint to make sure they recognize the fraud and identify theft and shut it down. shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Dear Sir/ Madam, Please find attached some documents regarding my complaint. 
I have had an account with Comenity Capital Bank for several years and have always made my payments on time. This card offers interest free loans for certain number of months for dental work that is not covered by the insurance. I had some dental work about almost {$3000.00} at the beginning of XXXX ( not sure of exact date ). The credit card company had my account as paperless and just sending me reminder emails for my payment. As you can see I have always paid over and the minimum payment thinking I would pay it off on time. If the loan was promotional and only for so many months, an honest organization would divide the amount by the number of promotional months and show that as the minimum payment. But this organization had some strange calculation of minimum payment which was a different amount every month. I kept making my {$150.00} payments and according to my calculations it should have been paid for this XXXX of XXXX. I call customer service and to my surprise found that the promotional time was up in XXXX of XXXX and they charged me over {$1200.00} in interest and when you see the transaction document now they are charging interest on interest. If they have send me a reminder in XXXX to either pay this amount or we will charge interest from the beginning I would have paid it instantly. But they were hoping for me to pass that date so they could collect interest dollars. I am XXXX XXXX XXXX, taking care of my XXXX  XXXX son and dont have time to read every fine print. I emailed the company on XX/XX/XXXX and followed up on XX/XX/XXXX with no response. 

I hope you can see the unfair practice of this company and help me with this situation., Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Fraud Closed my new Buisiness checking account, Personal checking account, Money market account for absolutely NO REASON whatsoever. 3-4 Years ago Suntrust bank Now Truist Did the same thing blaming a older check as a reason for closure when in fact there was nothing wrong with the check and XXXX  XXXX  XXXX verifed funds and provided a slue of doccuments to back it up. SunTrust fraudulently closed my account for no reason and HELD funds for 3 months with 0 reasoning. Truist is now holding onto XXXX of cleared funds for no reason. My branch manager assured me that the new account would have no issues as the old account was never flagged. I know i am not alone per other complaints online. XXXX claims the bank has decided to terminate the relationship with no explanation. My branch manager is actively trying to reopen the account with the back office and i will be given a update on funds XXXX. I have no issues with other banks and bank with multiple institutions. Truist/suntrust will close a account without warning or explanation.

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 2023-07-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I got XXXX on XX/XX/2022. Around that same time, I had a house fire and had to evacuate and move into temporary housing. I was overwhelmed by both recovering from XXXX and managing the home repairs and restoration. I forgot to set up autopay for my discover credit card. I reached out to Discover and they reimbursed the late fee charge. The customer service agent understood that this incident is classified under the CARES Act. 
However, Discover card refuses to remove this late payment from my report. I have reached out to XXXX, XXXX and XXXX regarding removing the late payment. However, they all mention that the lender, Discover would have to " unreport '' it. 

I have already paid of my entire balance with Discover but they are still refusing to acknowled the CARES Act. 

I am hoping to have the late payment removed in order to improve my credit so I can buy another home for my family. My credit score has been negatively impacted by this late payment and I am not sure I will qualify for a home loan I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
There are several problems : 1. I just discovered that this is a commercial loan in a residential neighborhood 2. The company never filed a deed with the appropriate authorities in XXXX 3. Several questionable payments made to XXXX XXXX tax sources as shown on my mortgage escrow analysis. I have verified that the listed payments were never paid. 
4. A sizable payment made to the XXXX XXXX tax source appears to be questionable. 
5. There are two unknown payments labeled " Hazard Insurance Payment '' that can't be accounted for. 
6. The mortgage company has informed me that my negative escrow balance requires me to pay an additional {$1000.00} per month. I think there could be fraudulent over-payments from my account causing the massive shortage. 

Note : I have a copy of my escrow analysis and want it reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a payroll check into my account on XX/XX/XXXX with Wells Fargo that paid out. I keep those checks in a filer and someone redeposited the check XX/XX/XXXX into another account without me finding out until later. I called the company the check was sent to and deactivated the account set up in my name and the funds were not paid out. I started a dispute with Wells Fargo to get my funds back into my account and have been getting nothing but push back, talking to 3-5 people every other day with no resolve. Its been 2 weeks and I have not gotten any closer to a resolution than when I started, Im at my wits and need a resolution.

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 2023-07-20 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: TX

Complaint narrative:
This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Equifax, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file.

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Equifax OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
We currently cant come to and agreement due to the contract fraud that XXXX  XXXX XXXX XXXX XXXX provided to me, so call on the behalf of Exeter finance.Deceptively just coming into the knowledge of contract I realized the car was payed for through my signature as well as my social.I also investigated the fact that there is no date where they randomly appear on the so call contract They also send a police to a civil matter while trying to pull a repossession in which the police even realized they were wrong because they breach the piece of my home with neighbors all watching.which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America advertised a promotional no-interest cash advance program when logging into my credit card account using the Bank of America App . The promotional program offered " 0 % interest on a cash advance for 12 months ''. The promotional splash page clearly indicated that a 3 % charge on the cash advance amount would be incurred, which I was happy to pay, and that repayment of the cash advance amount would not be due for 12 months. I registered for the program online immediately for a {$2500.00} cash advance and was approved. I called Bank of America following issuance of my next statement to confirm that I could pay my balance less the cash advance amount and not incur interest charges. The BOA representative told me " yes, you can short pay your statement by the {$2500.00} cash advance amount and not incur interest ''. I followed the BOA guidance, but was still charged interest on my subsequent statement and called Bank of America a second time to clarify. It was then explained that he only way to incur 0 % interest for 12 months was to stop making purchases on my credit card until the cash advance amount was paid off. Indeed, it was in the fine print, but nowhere in the program advertising, that all purchasing activity must cease in order to avoid interest charges on the cash advance amount. I filed a complaint with BOA as a deceitful advertising practice, and BOA still refused to refund me the 3 % program fee of {$75.00}, and now I'm in the position of paying back the cash advance in full immediately to avoid future interest charges. I feel the advertising of the program was highly deceitful and designed to misinform customers to the benefit of BOA.

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 2023-07-20 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Authorized User Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Revolut Technologies Inc.
State: DC

Complaint narrative:
Revolut, a prepaid debit card, offers subaccounts called vaults, where money on deposit with the card can earn interest. In my case, the offer is to earn 3.25 % on balances placed in the vault. Due to defects with the Revolut application, I receive an error when I attempt to create a vault. 

The only way to raise a concern with Revolut is by chat. They do not accept phone calls. A chat regarding this issue was commenced at XXXX on Monday, XX/XX/XXXX. After nearly four days the problem remains unresolved and the multiple employees who have joined the chat have provided ineffective assistance, inconsistent information and overall deceptive guidance. 

Attached is the complete chat log. I have withdrawn all the balance using an ATM, but that left XXXX XXXX  on the card that an ATM machine can not dispense. It is hard to come up with a place that I can spend the XXXX XXXX balance but I will continue to look for that opportunity so that I can get the card back to XXXX.

Company response to consumer: Closed with explanation