vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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:
I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and XXXX  and equifax always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX .XXXX, equifax doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XXXXXXXX XXXX,2022 OUR COMPANY RECEIVED A CHECK FROM ONE CLIENT FOR THE AMOUNT OF XXXX. THE CLIENT WROTE THE CHECK WITH OUR COMPANY NAME WRONG, JUST FEW LETTERS. CHASE ACCEPTED THE CHECK AND PUT A HOLD ON THE CHECK. IN LATE XXXX XXXX TOLD XXXX THAT OUR ACCOUNT WILL BE CLOSED ON THE XXXX OF XXXX BECAUSE THEY THOUGHT IT WAS A FRAUDELENT CHECK. CHASE NEVER RETURNED THE FUNDS AND WERE DEDUCTED FROM THE PAYEES ACCOUNT. NOW CHASE HAS THE FUNDS IN THEIR POSSESION AND ARE NOT WILLING TO PAY US ALL THE MONEY THAT WE HAVE IN OUR BANK WHEN IT WAS CLOSED INCLUDING THE MONEY FROM THE CHECK. THEY ASK ME TO GO TO ABRANCH WITH A LETTER FROM THE CLIENT CERTIFING THAT THEY GAVE US THE CHECK, WE DID THAT AND THEY STILL WONT PAY US OUR MONEY BACK. THEY TOLD US TO TELL THE CLIENT TO MAKE A RECALL FOR THE CHECK, BUT THE CLIENT IS NOT WILLING TO DO THAT FOR LACK OF TIME AND HE UNDERSTAND THAT IS XXXX RESPONSABILITY TO RESOLVE THE ISSUE, CHASE HAVENT MAKE ANY ATTEMP TO CONTACT THE CLIENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Solutions Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my mother told me a debt collector was calling her and my siblings in order to collect a debt. I called them immediately and they said I took out a loan a few years ago with XXXX XXXX XXXXe ( I dont remember taking out this loan ). They legal claim department said the company was going to recover my license if I didnt pay to settle. They sent me a docu sign and I paid them {$1100.00}. They sent me a document saying the debt was paid in full. They called my family today XX/XX/XXXX claiming I had another debt with XXXX and that I needed to pay the underwriters. I refused and told them to take my familys phone numbers off and that I had already paid that debt. They eventually relented which led me to believe I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: SC

Complaint narrative:
I have sent a Conditional Acceptance Letter on XX/XX/22 certified mail and they received the letter on XXXX/XXXX/22. I have not heard anything back thus far in regards to providing me with the information I have asked for in the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I discovered that Colorado Housing Finance Authority ( CHFA ) sent out a check for {$310.00} in XXXX of XXXX. I never received a check, and discovered that it was sent out in XXXX of XXXX. I contacted CHFA and the rep said that they would research it and if it wasn't cashed would issue another check. The representative said that it would take between 1-2 weeks. After the 2 weeks past, and I did not hear anything else I called back in on XX/XX/XXXX. The representative said that they couldn't find the request but would resubmit it with 1-2 weeks again being said it would be done. After 2 weeks I called again. The representative said that they would send an email to their cashiering department and they would give me a status. In the beginning of XXXX I received an email from CHFA saying that the request for the check was submitted on XX/XX/XXXX with an estimated receipt of 30-60 days, which would of been XX/XX/XXXX. After the 60 days I called back and was told by various representatives and supervisors that it would be 30-60 days, 30-90 days, and my options are to wait the 30-60 days or start the process all over. Finally a supervisor said that she would get it it and I should receive it by XX/XX/XXXX and would receive an email with a tracking number as it was being sent by 2 day XXXX. XX/XX/XXXX passed and again nothing so I called back and was talked to a supervisor who said she was going to talk to them and I should have an answer by the end of the day. On XX/XX/XXXX, I contacted them again since there still wasn't any answer and was again told various other dates for when it will be sent out or would have someone contact me, which has only happened once back in XXXX. Every call has not offered any solution besides wait longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I directly contacted XXXX, XXXX CA, regarding reservation and to inquire about better pricing than I viewed on-line. I was informed of the {$88.00} per nite special and that I must pay in advance to receive that special pricing. I accepted and paid for two nights, XX/XX/XXXX an XXXX for a total of {$200.00} and used my Capitol One master card. Check in time was XXXX PM. I received a reservation confirmation. ( attached ) I became ill and called to cancel on XXXX XXXX at approximately XXXX am. I received cancellation confirmation, ( attached ). Upon receipt of my bank statement I saw that I was still charged {$200.00}. I disputed with Capitol One and provided both XXXX confirmations. Capitol One provided a provisional credit but then re-charged it and stated to me that XXXX cites it's 'Terms and Conditions '. As such, they could no longer assist me with the dispute. I demanded that they honor their guarantee to never charge a client for a service not received. I also asked to see what Terms and Conditions Capitol One referred to because I never received any Terms and Conditions, nor was it addressed in my conversation with the reservations clerk. Capitol One stated there was no written correspondence and offered to do a 3-way conversation with XXXX. In the conversation XXXX stated they were " unable to find any information on my reservation. Capitol One ended the call and said there was nothing more they could do and I would need to give my phone number to XXXX to follow up with them. Capitol One should honor its guarantee. There is no statement, no written documentation, no information whatsoever that indicates any type of Terms and Conditions. There is nothing about Terms and Condition written on either of the confirmations. Capitol One could not supply and response from XXXX regarding Terms and Conditions. The only condition the XXXX representative informed me of was the pre-pay requirement. I am XXXX XXXX XXXX and very business savvy. Had the XXXX representative informed me that charge was 'non-refundable ', I would not have made the reservation ; the representative likely knew that and so intentionally omitted that information, or forgot. Capitol One is my bank and should work on my behalf according to its guarantee of never making me pay for a service I did not receive. Capitol One should remove the charge from my account and not accept the word of XXXX, who by it's own admission could not find any information, which could not be possible when I received confirmations for both reservation and cancellation. Capitol One at the very time is transitioning its accounts to XXXX XXXX. I believe Capitol One " threw me under the bus '' because it is getting rid of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Sold my vehicle to XXXX, XXXX deposited a check to my checking account JP MORGAN CHASE BANK on XX/XX/2022 the teller informed me after depositing the check that this check is on hold until XX/XX/2022. I received an email the night of XX/XX/2022 with a letter dated XX/XX/2022 stating I can not use my account and they will be closing it soon. I called immediately was placed on hold for several hours got hung up on and never called back. Once I called requested my account be looked into they said they are reviewing it and i cant do anything about it I would just need to wait it out. I looked at my account on the XXXX and seen my check was in my account then on the XXXX I received a notice my account was closed. I called XXXX and spoke to the accounting department and they informed me that the check cleared from their bank on the XXXX when I first deposited the check. We allegedly got it resolved on Friday XX/XX/XXXX, the woman on the phone informed me my account was approved by a supervisor and give them 1 business day for it to show back up I checked on Monday XX/XX/XXXX still wasnt back active gave it another day Tuesday XX/XX/XXXX still wasnt active so I called Chase again got transferred twice the woman he said was a supervisor and can help me out told me she wasnt a supervisor and couldnt do anything about it but she seen my account was requested to be re opened and no response per their inside notes. It is now XXXX on XX/XX/2022 still waiting for an answer on my account. This has caused all my automatic payment to be returned my work check to be returned and now my bills are past due with late fees and for my payment being returned witch is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NC

Complaint narrative:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Bank XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-29 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover keeps sending me marketing emails even though I've unsubscribed. Their marketing emails don't contain unsubscribe links, which is required by the CAN-SPAM act and enforced by the Federal Trade Commission XXXX They are not responsive, or say that I've been removed from marketing lists, yet this email still gets sent out on a regular basis. They are no respecting consumer privacy to get off a mailing list. They don't allow you to respond to the email. It's unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.

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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I placed a call 2 Sims associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the penny original contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX  original creditor XXXX XXXX XXXX none of this was on my credit report for years why not even the XXXX card was not on my credit report cuz it was forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX XXXX, 2021, a fraudulent transaction was made with my credit card in the amount of {$2100.00} in XXXX XXXX. I reported it to the issuing bank as soon as I saw it on my statement. But after repeated calls and explanations they will not accept that the transaction was fraudulent. I made a legitimate transaction at a store in XXXX XXXX for {$61.00}, but while they had my credit card in their possession they processed a second transaction for {$2100.00} that was fraudulent. Since both transactions were made with a chip reading device my credit card bank believes that and only that proves the transaction was not fraudulent. I have asked to see a receipt I would have signed for the {$2100.00} purchase and to know what the charge was for, but the bank can not provide that. The inability of the bank to produce a signed receipt for a transaction of this size should be enough to substantiate the fraud. Here we are 6 months later and that fraudulent transaction is still on my account.

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 2022-03-29 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:
I have been contacting XXXX since last year about the inaccuracies within my credit file that have not been removed from my profile. EQUIFAX IS PLAYING GAMES WITH ME!!! There are inquires on my credit report that do not belong to on my credit file that needs to be remove. I have been ignored for a whole year!! According to the FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report must be 100 percent accurate or the account have to be removed and that's the truth I PROMISE I'M NOT MAKING THIS UP!!!!! Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. LOOK IT UP ITS THE FCRA!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My identity was stolen and on XX/XX/22 someone named an unauthorized withdrawal of {>= $1,000,000} and my bank, Bank of the west will not give it back to me. They were supposed to protect my money. There were no alerts sent to me when in one day {$7500.00}, {$6500.00}, {$3500.00}, {$510.00}, {$510.00}, {$510.00} and {$500.00} were fraudulently withdrawn from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me. 

The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt. 

I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe. 

MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money. 
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a checking account ( account number : XXXX ) with {$500.00} promotion bous in XXXX and met all of the requirements. However, I haven't received the bonus yet. I was trying to contace the customer service but they never responded to me. Could you please help me check this issue? Thanks~ Details of this promotion : Truist is offering a bonus of {$500.00} when you open a new checking account and complete the following requirements : Use promo code XXXX Complete two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening

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