vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 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: GA

Complaint narrative:
I disputed Credit 1 XXXX XXXX  XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Venture One Card. 
{$100.00} Interest charge billed on XX/XX/2021.

I paid off my credit card balance on XX/XX/2021 after calling and getting the payoff. I actually overpaid to make sure I wasn't going to get billed any extra interest. The overpayment amount ended up being {$270.00}, which was refunded to me on XX/XX/XXXX. 4 days later on XX/XX/XXXX the interest charge then appeared on my statement. 
I called Capital One today and asked to have the charge removed, which they refused to do. 
I am upset and feel powerless, thus the reason I am contacting you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i opened a fraud investigation with my chase credit card services against a company i made a charge to that was later cancled and never refunded for.chase credit card services was hesitant to open the investigation and a month later after presenting evidence of fraud against the company has not resolved my complaint and has refused to release any information regarding my complaint.the bank is harboring fraudulent companies and should be shut down.please investigate this company and protect the people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
I checked my credit report and I have no idea where some of these inquiries come from. Ive tried contacting the companies but were in able to have them resolved. The following inquiries are : XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX2021 XXXX XXXX XXXX XXXX-2021 XXXX XXXX  XXXX-2021

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 2021-06-05 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: Persolve, LLC - Legal - Series 2
State: AL

Complaint narrative:
Account Resolution is in violation of the debtor 's act. They're reporting fraudulent accounts on my credit reports with all three credit agencies. I have ask them to delete this collection item off of my report and they refuse to do so. The claim they have spoken with me and verified that this belong to me. I don't know anything about this. I do not have a bill with them or any other company. The amount they're saying is {$2900.00} that I owe them is fraudulent. On one report they're Account Resolution and on the other report they're Persolve , LLC. Companies like this should not be allowed to get away with this kind of scam behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Re : Zelle XX/XX/21 {$370.00} Currently on hold with XXXX  XXXX XXXX to halt the processing of this payment ... 

XXXX  me, attempted to buy soccer tickets on XXXX. I had my doubts but the seller kept reassuring me along the way. Once the money was sent he kept sending additional requests for money. I never rec 'd the tickets and the seller refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XX/XX/2021 Quicken loan pre approved my home loan for XXXX. I then picked out a home to buy doing the process it was know communications i couldn't never reach my loan processor i was denied. I then recieved a phone call from quicken loans apologizing to me about the none communication and advised to resubmit my application and that they had a new loan processor to help me through the process at this point i issued XXXX $ for a appraisal & XXXX $ for a inspection XXXX $ for option money XXXX $ for title agency. The sellers of the home paid out over XXXX $ in repairs that quicken loan made them get in order to meet sell requirements. I received a phone call phone Quicken loans on XX/XX/2021 telling me congratulations i was approved and my closing date would be XX/XX/XXXX?, 2021. A day before my closing date i received another call from quicken loans stated that I was denied because my real estate agent used to work for a broker company who they will not do any business with and it wasn't nothing they could do to help any further i then let them know that they failed to declose any of this information to me or the agent prior to our closing date and that this was not professional business quicken loans then assured me if i fire my real estate agent after he has work very hard with me to get a close on the property that they will continue working with me and get a new closing date so I ended my contract with my realtor and he was very upset saying he doesn't work for that broker company any more and couldn't understand why was he singled out. I then found a new realtor and sent over the new realtors information. Quicken loans called me again stated i couldn't get approved unless i add my newly wife debts with my debt. I explained to them I was already at my closing date without any of the new problems there coming up with im on the application by myself and if i qualified 2 days prior what's really the issue and why are they coming up with all of this new wants from me I asked for my money back but they will not give me back my money they suggested I apply for a conventional loan i said no thanks i meed my money back so i can apply with a new Lender i feel like i have been discriminated against for being XXXX XXXX, also my realtor is XXXX XXXX  and the loan processor lady who works for quicken loan is also XXXX XXXX  she's the person who called me with the congratulations and my approval and closing date. Quicken loans wouldn't let me speak with this lady any longer they unsigned her from working on my team. Assigned more new people to me who was definitely not trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: SC

Complaint narrative:
I XXXX XXXX XXXX SOCIAL SECURITY # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws., I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I sent the credit Bureaus a letter on XX/XX/2021 stating that these accounts were fraudulent, and they were supposed to remove it after 4 days. it is now XX/XX/2021 and these items are still on my credit report. This is illegal for them still report this against the FCRA Laws. I feel like my Consumer rights are violated and I hope the CFPB will take action.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: GA

Complaint narrative:
I disputed inquiries as fraud with XXXX  and called on multiple occasions. Nothing resolved, I've also reached out to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
Hi. I had an XXXX  XXXX done on my XXXX  in 2020 and I was having trouble making the payments with the veterinary office. I have a long-standing relationship with the vet and they had put me into collections they decided to go ahead and take the payments from me directly and they called to the collection agency several times and told them to stop contacting me that they were working with me directly I brought this to the veterinary office attention a few times and they keep telling me that they have called them. This agrncy is a company called Qualia collection Services located in XXXX California who is telling me that I'm still in collections even though the vet has explained this to them. I have made five payments to them in the last two months. The payments were made directly to the vet who called off the collection agencies and instead are accepting payments directly from me. I just called the collector to explain and I was told that I'm still in collections and it's my problem. Very rudely hung up on. I will be attaching two of the receipts that I have on hand with me now. I apologize I left the other three at home but I'm sure the vet will be able to present the receipts as well. And I do have them if needed. I do not want to be threatened and kept in collections for a debt that's being paid to the veterinary office directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was able to Use XXXX XXXX credit car or bank card and he changed it. It was supposed to be dropped to a XXXX  but yet they charged me with a XXXX. I am having the darn time to open a account. I wipray you all will exclude from my record. That was like almost 3 years ago and would like a new shot at living my life. THank you XXXX THe other person got charged as a XXXX  and he forged his name and yet I got caught with a XXXX. I am supposed to be released from XXXX  this year. PLease help me. I would very much appreciate it. THank you XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: NV

Complaint narrative:
I'm having a problem with Bank Of America because 3 times already someone used my card.The first one is that someone used my debit card in California in one of the gas station there.Someone withdrawed {$200.00} there on XXXX XXXX.The Bank Of America paid me already on that one but the other fraudulent charges and withdrawal the Bank Of America didn't pay me yet.The second time someone used my card is on XXXX XXXX they used it for {$250.00} on XXXX XXXX.And on XXXX XXXX for {$140.00} on XXXX.The third time someone used my card is on XXXX XXXX.Soneone withdrawed {$520.00} on the ATM machine.The Bank Of America sent me a letter and said they credited my account for {$140.00} but they never did.I need ur help to get them pay for the fraudulent activities on my card.Im a single mom and I have XXXX kids.Theyre asking me to send them money but I have no money to send them because someone withdrawed my money.Im unemployed.The account I have on Bank Of America is my unemployment.Im going to call the unemployment to ask them to transfer their payment on my other bank account.Im only depending on my unemployment.Pls help me with this problem.Thank u so much and God bless.I appreciate ur help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I bought the car from a dealership.The car have a lot of problems i spend my own money to fix the car .So this company come and repo the car and I already made arrangement to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/2021, XX/XX/2021 XXXX : {$1400.00} This item was disputed multiple times also agent called credit on 3 way and we still couldnt get any validation or documentation send in mail. Consumer creditor completely would allow documentation to be sent out to me for proof of this debt and this is not my debt. 

Also I have NEVER received any information on this account by mail. 

Also I filed a complaint with the CFPB about the creditor. 

Consumer creditor call company while I was on the phone the original creditor is no longer in business. No information can be found by the original creditor.

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 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
THye opened my account XXXX, XXXX, 2021. Last year I wrote a check or used my card which is covered by overdraft and they shut down my account and told me if I paid off the debt I could reopen the accopunt. SO Yesterdfay I went to reopen the account and then call Arvest account line to get my online username established and they tell me my account will shut down in 14 days. They have lied to me I paid my overdraft protection and which you can use it with your debit card so they are being discriminatory towards me and I would like my account opened immediately or else they can look at discriminatory action on their behalf. I need my account left open and the branch to approve of this because it is apart of my coverage. THank you Very much and look forward to hearing your input on such circumstances. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: AK

Complaint narrative:
On XX/XX/2021 I got a call from D2 Management saying to owe a debt from XXXX XXXX XXXX in Texas which I do owe a debt and they said the right amount and everything. I did give them my banking information and verified the last 4 of my social security. Now I try and call them but never any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
In XX/XX/XXXX, my 3-year lease on a XXXX XXXX ended. I did a lease buyout, financed through a XXXX XXXX XXXX XXXX. 

In the fall, I received a check from Hyundai Motor Finance. I did not know what the check was for. Unfortunately, I put it aside -- when I came across it again, it had expired. 

In XXXX, XXXX informed me that they have been unable to get the title transferred. That Hyundai should have sent a sales tax check- to be taken to the BMV , so the title could be released to XXXX XXXX 

I called Hyundai XX/XX/XXXX, I was told a new check would be sent. ( ETA 3-5 business days ) I did not receive the check and have called in multiple times since then.

Sometimes, I am transferred from one department to the next and back again. 
I have tried the email customer service option, but they respond back, referring the last time I called in. 

" We see that you have already spoken with a Customer Service Representative onXX/XX/2021and received assistance with your request. '' -- XX/XX/XXXX - Check will be expedited. 3 business days. 

XX/XX/XXXX - " Check will be sent ASAP '' - representative sent email to " Sales tax dept so they can send the actual check '' XXXX - representative sent a '' red flagged '' email, check to be reissued within XXXX hours XX/XX/XXXX - XXXX had also called in. Representative advised email sent to sales tax department - " it can take up to 16 business days, a month if it needs to be cancelled and reissued ''

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 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I received a collection notice from Professional Placement Services , LLC about delinquent account that has been placed with above collection agency. 
I notified the debt collector in writing within 30 days of the notice that I'm disputing the validity of this debt and requested to validate a debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA and I'm legally have obligation to pay a debt. 
Professional Placement Services sent me in the mail a statement dated XX/XX/XXXX, that shows that I owe an original creditor {$54.00}. Upon reviewing " validation statement '' made by debt collector, I noticed that debt collector did not comply with requirements for Fair Debt Collection Practices Act ( FDCPA ). The debt collector did not obtain copy of original statement from creditor. They ignored my request as a consumer and did not provide me with verification that debt was assigned or sold to them as debt collector. The creditor provided a service back in XX/XX/XXXX and statement was dated XX/XX/XXXX. The debt collector did not provide verification that they licensed to collect a debt in state of Illinois, did not complete accounting of alleged debt. 
The above agency violated the Fair Debt Collection Practices Act and reported the alleged debt to credit reporting agencies. 
Therefore, I will take legal action against this debt collector since they did not comply with Federal law and did not validate the debt according to Federal Debt Collection Practices Act This action constitute fraud under both federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dorough & Dorough, LLC
State: GA

Complaint narrative:
Dorough & Dorough LLC a debt collector for XXXX XXXX XXXX was ordered to cease and desist in XXXX for charging astronomical fees and interest and threatening foreclosure to residents without XXXX board approval .They went on to disrupt XXXX meetings and even filed garnishments against homeowners after the cease and desist order was issued and in place. Protests by residents led to them being fired .They further continued refusing to turn over files to a new contracting debt collector and disrupting continuation of operation of the XXXX. 
They somehow reappeared in XXXX without a meeting informing owners of their presence. Dorough & Dorough consistently uses threats and not above board practices like adding additional fees and interest to an initial debt from XXXX even after payments have been made that far exceeds the initial debt. Inability to furnish complete details for charges being assessed, and garnishment against homeowners. In particular, although we agreed via a legal settlement document in XX/XX/XXXX that they would remove the judgement and Writ of Fifa consistent with the agreed payment schedule they have reneged on the settlement agreement and instead have fabricated additional amounts of interest and fees and is now attempting to extort additional monies for removal of the Writ of Fifa. A copy of signed judgement settlement contract and proof of payment is attached.

Company response to consumer: Closed with explanation