vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: KY

Complaint narrative:
I have received 23 messages from TrueAccord since XX/XX/22 ( I counted ) Ive received I dont know how many messages and calls from them before XX/XX/22. I have called them before and spoken with them and texted them and discussed that I am not the person whose debt theyre trying to collect. They know I am not the name on the account and they still try to contact me constantly. The name On the account is XXXX XXXX. Thats not me. Theyve said theyll stop contacting me but they always fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2023-02-01 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: MA

Complaint narrative:
The reporting agency Experian, XXXX, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.

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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I staked XXXX XXXX with Coinbase in XX/XX/XXXX. Was supposed to receive on average of 4 % daily return. Had a balance of almost XXXX $ last checked in mid XXXX. Now shows under {$50.00} with no explanation and no support to clarify. Also, can not get money back from staking as its locked up under their control as per agreement but they have broken agreement by not providing interest or accurate book keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

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 2023-02-01 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: MD

Complaint narrative:
I have reached out to the XXXX different credit bureaus for them to update my address correctly and they still have not completed this information. I have sent in numerous documents to correct my address and they have refused to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AR

Complaint narrative:
I submitted an application for PSLF by uploading it to MOHELAs website on XX/XX/XXXX. I have been periodically logging in to the MOHELA website to check on the status, it has consistently indicated " Received In Process ''. However, upon logging in on XX/XX/XXXX the status indicated " Duplicate Form '' with description indicating " A duplicate application was processed as Canceled. '' I called MOHELA for further guidance on XX/XX/XXXX. The representative I spoke with verified the status was canceled, but indicated it should not have been canceled as it was not a duplicate. She was able to determine the previous certification was submitted in XX/XX/XXXX and the newest on XX/XX/XXXX, therefore the XX/XX/XXXX submission was not a duplicate as the XXXX were not submitted in the same year. The representative resubmitted the application over the phone, however, indicated the processing time will start over and be subject to up to a 90 business days processing time ( anticipate XX/XX/XXXX ), rather than picking up where it left off based on my original submission on XX/XX/XXXX. The representative indicated that there is no way for her to return the application to the original processing time frame, thus the 90 business days period starting over. As noted by the MOHELA representative, this was an error on behalf of MOHELA and therefore I find this completely unacceptable to restart the processing period. By my estimates the original 90 business days processing time would have ended on XX/XX/XXXX. I feel it is reasonable to request processing by XX/XX/XXXX, rather than restarting the 90 business days. The loan in question had a total payoff amount of {$180000.00}, as of XX/XX/XXXX. 

Of note, my conversation with the MOHELA representative on XX/XX/XXXX, was quite pleasant. She was very informative and understanding of my frustration, and I believe she handled the situation nicely, but simply did not have the ability to remedy the situation as I see appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Multiple times I have made attempts to dispute a transaction that was posted because I had returned the item on XX/XX/XXXX I made initial contact with Bank of America and was told they would make an investigation. The same day they claim they were unable to pay because they state it falls out of their " timeframe '' I have specifically told them through now 5 phone calls that the merchant XXXX has attempted to disburse a refund for months and have been unable to. I was led on for months on their part with the order arriving back to them on XX/XX/XXXX. Being in constant contact with them over the refund that was of a total of {$2900.00}. Bank of America have asked for documentation stating that I would receive a refund and I faxed all documentation with the refund policy, the tracking number, and the statement from XXXX stating that they have received the refund. Now all of this was sent on XX/XX/XXXX and on XX/XX/XXXX I received the same letter stating unable to pay again. I have spoken to Bank of America multiple times and have heard the same thing stating they will be " researching ''. Yet they arrive to the conclusion immediately as if they were a bot.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell JPMCB AUTO to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

JPMCB AUTO Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Using my Citi credit card at a XXXX store, the prompt displayed " do you want to shop with points ''. The receipt credited {$10.00} for shop with points but Citi deducted XXXX rather than XXXX from my rewards points. I've historically used my rewards points as statement credits and I pay in full monthly, having never been charged interest BUT Citi is effectively charging 25 % interest for shopping with points. It is deceptive and predatory. Citi will make millions by stealing 25 % of consumers ' rewards balances in that scheme. I contacted Citi when I saw the issue after the 2nd time and they said, management likes to hear customer feedback to improve products so they'll pass my comments on to them, and that's all they had to say. Going forward, I will skip shop with points but a down on his luck or maxed out card holder could need points to complete purchases if they have no other means. Citi owes me {$5.00} but they must stop redeeming points for less than their value and stop bamboozling customers with a quick POS terminal request to use points where the redemption value does not equal points consumed.

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 2023-02-01 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I use XXXX for shipping. XXXX would say pay XXXX rate and then upon paying would change the number to a higher number. I contacted XXXX and they did not have a viable answer. I contacted Wells Fargo to submit a claim that they accepted and reversed the charges. This continued for XXXX  months. Then Wells Fargo REVOKED my card because they said I was XXXX  the card. This action caused XXXX  of dollars in damage and weeks of labor on my part to resolve. I have physical evidence of all of this. 

Last night afetr extensive discussions with XXXX we did figure out there was a problem with their computer system and my account. My account was ported to a new account and everything work exactly as it should for shipping. 

To date Wells Fargo has not even explained why I was punished for the correct action.

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 2023-02-01 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I sent in a billing error in accordance with title 12 CFR 1026.13b for 3 credit cards in the amounts of XXXX XXXX XXXX XX/XX/2023 And requested that the credit balance be sent credited to my account or refunded to be in accordance to title 12 CFR 1026.11 Navy federal keeps telling me there is no credit balance and I must pay and they will keep adding on interest even though there should be no adverse action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Date of transaction- on going since XXXX XXXX XXXX Amount of money I have paid- {$XXXX} What the business committed to provide you- Carrington said my pay off balance for my house would be {$XXXX}, XXXX XX/XX/XXXX XXXX XXXX then with property tax and insurance included would be a final {$XXXX}, XXXX total, XXXX XXXX who works there told me this in email he said this too. So I have given them an additional {$XXXX} which is interest. So the house should be paid off now and no remaining balance left but still every month they continue to add more money to the pay off balance. They add {$XXXX} every month. Even though underneath the pay off balance it states in the letter they sent me Funds received after XX/XX/XXXX will require an additional {$XXXX} monthly interest. Which is why I paid the {$XXXX} in addition its the interest. Now Carrington sent me a letter XX/XX/XXXX saying my total pay off balance is an additional {$XXXX}!!! It is absolutely absurd. And even when I sent them multiple letters XXXX XXXX told me to fax and they said it would take 4 weeks for them to respond even when I was waiting for a response for them they sent me a foreclosure letter and charged additional money for that!! When my total balance was ONLY {$XXXX} and I was waiting on them to get back to my letter. They sent me a foreclosure letter and charged an additional {$XXXX}!!!! Which is absolutely ridiculous!!! Which all the stuff I am writing now I have faxed letters, emailed talked to them on the phone and still they wont resolve this. At this point I dont owe them anything else! And yet they are still sending letters saying the pay off balance is now {$XXXX}. The business has been awful and theyve been a complete scam when it comes to this and just keep on trying to get more money. Attached I have the letters they have sent, ones I have faxed. If needed I can also send the emails Ive sent to XXXX XXXX. 
Just yesterday XX/XX/XXXX I paid an additional {$XXXX} I wired and I also sent {$XXXX} which was an automatic payment. Even though I do NOT owe anything I paid this because every month they charge an additional {$XXXX}!!!! So the money that I paid yesterday and anything additional I need paid back to me! Now Carrington owes me {$XXXX}!!! I need this money back ASAP. Carrington has been absolutely awful charging money I do not owe, sending foreclosure letters, when interest monthly is supposed to be about {$XXXX} adding an additional {$XXXX} every month. And on top of that they never respond!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened an account online with Truist Bank on XX/XX/2023. 

On XX/XX/2023 I attempted to login to account but got a messaged saying the following : Account locked - your online access has been restricted for security purposes. To resolve this issue, please contact the Truist Contact Center at XXXX. 

I called the number and the representative told me to contact their fraud department at XXXX. I called the fraud department and they told me they could not provide any information to me, that I had to visit a local branch to get more information. Problem is that there is no local branches near me. Closest branch is about XXXX miles from me. I told them this info and rep basically told me to call the branch and see if they can help. I called the branch and they told me they could not help me with this request, that I need to contact the fraud department. 

Really disappointing experience and I had just enrolled my direct deposit to this bank and I am not able to access my money due to the unprofessional services provided by this bank.

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 2023-02-01 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: PA

Complaint narrative:
These companies are in clear violation of the law. Pursuant 15 USC1681B Inquiries appearing on my credit 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 2023-02-01 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: PA

Complaint narrative:
These companies are in clear violation of the law. Pursuant 15 USC1681B Inquiries appearing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Applied at Bass Pro Shop.Capital One. was turned down. got reason for rejection as they wanted proof of income-Sent them signed XXXX page of tax return showing over $ XXXX in income. Never heard from them. Called and they acknowledged received it but was not good enough for them- never initialed another rejection. My score in both major bureaus is over XXXX. XXXX closed prior paid Cap 1 accounts all paid as agreed. I have other credit cards. I found the process illegal and discriminatory-I am XXXX and highly XXXX. How many other customers are they requesting proof of income. Its not like I was requesting a multi XXXX limit. I have plently of pre approved offers thru XXXX XXXX. 
I just wanted one for the sporting goods store logo if you will and would use it to get points when I shop at Bass Pro/Cabela 's . The inquiry hit my credit report on XX/XX/2022. I tried to work it thru Cap 1 but to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
After careful review of my consumer reports, I noticed an account on my report from Dnf Associates, LLC. Case # XXXX I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and XXXX. As I know that only a contract/signed agreement between Dnf Associates , LLC. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CITIBANK, N.A.
State: MD

Complaint narrative:
there are two inquiries on my report that i never gave premission XXXX and XXXX plcc please remove these off of my report asap

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to the company and the credit bureau about this account. This account was opened back in XXXX  and it has reached the statue of limitations for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to the company and the credit bureau about this account. This account was opened back in 2015 and it has reached the statue of limitations for a closed 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America closed my Checking Account that I had XXXX in and will not release my money to me and have restricted me from getting it either in person or by debit card and are telling me that they will mail me a Check in 90 days

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The last few months o have been being charged the monthly {$10.00} service fee when I do plenty of transactions during each month.

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