vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out XXXX times over the last XXXX years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated XXXX XXXX. I have certified receipts of the mail being delivered as of XX/XX/XXXX, XXXX business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CT

Complaint narrative:
On XX/XX/XXXX, I started receiving phone calls from various numbers on an almost daily basis. I screen my phone calls so I only answer calls from numbers I know but when I saw a flood of strange numbers, I started using XXXX to identify the numbers. I noticed a pattern of the calls were from Midland Funding, calling under different numbers maybe six or seven different numbers. They never left a message. 
I know of Midland Funding, what they do, their reputation, etc. I know theyre a company I have no interest in dealing with. Since they never left a message, I have no idea if theyre even calling for me, they could be calling for a prior owner of the phone number. If they are calling for me, I have no interest in doing business with them, no idea of any accounts they could be harassing me over. Furthermore they are in violation of the Fair Debt Collection Practices Act, 1692g, as many more than five days have passed since their initial XXXX XXXX call and they have not sent me a validation letter, or any letter. I have no idea of an account number attached to this account, if there is one. 
If they are calling for someone else on my phone number, I expect them to delete this number from their system. The phone number is ( XXXX ) XXXX for them to investigate. If their purpose in calling does involve me, I expect them to close the account in exchange for their violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. XXXX will not remove this account, unless you tell them to!

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 I purchased from XXXX XXXX located at XXXX XXXX XXXX XXXX a pair of LED lights for my car. I paid {$210.00} which includes the installation. ( invoice # XXXX paid with my debit card transaction # XXXX ). 
At that moment I was told that I have to wait XXXX days since they had to order the lights and it was ok for me. 
The next week I called at different days asking for the lights and they always said no yet and that they will call me.. 
After a week they never called I decided to go personally to store the following week and after ask they said that they have the lights but they don't have installer. At that point I asked for refund, and they did no wanted. I left from store and after that they never called me again. 

I submit a claim to my bank ( Bank of America ) Claim ID : XXXX disputing this transaction since I never received a service or a product from this vendor and they never contacted me. 
I am still waiting an answer.

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 2023-03-08 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: KY

Complaint narrative:
I was notified online on XX/XX/XXXX that my XXXX loan payment count was XXXX and my loan balance was now zero. On XX/XX/XXXX that same information was on the Federal student aid website. On XX/XX/XXXX, I received a written confirmation that my loan had been forgiven. On XX/XX/XXXX, I added an online question/complaint to Federal Student Aid concerning the timing of my refund since I was 36 payments past paid in full. The Federal Student Aid website shows my loans were paid in full on XX/XX/XXXX. I continued making payments until XX/XX/XXXX, so I believe that I should have a refund of 30 payments of about {$480.00} each. Six of the payments were zero payments on forbearance. I asked that I receive some confirmation that I would receive a refund and when I could expect that refund to come. I have received no reply from Federal Student Aid and MOHELA says its all in the hands of the Dept of Ed/Treasury/Student Aid . ( who knows ). Its now over 60 days, and Ive still not heard anything. I just want someone to respond and confirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Mail from Capital One incorrectly addressed to XXXX XXXX XXXX containing important account information. Mailings have occurred on a weekly basis between XXXX XXXX XXXX Each envelope was returned with " Return to Sender '' and " Wrong Address '' written on them. Upon calling customer service, Capital One refused to investigate or address the potentially fraudulent information in their system. 

Latest mailing : XX/XX/ Fraudulent Company Name : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX Capital One Fraud Operations Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied and was accepted for a Truist card on XX/XX/31 so I could make a balance transfer from another card I have. I was preapproved and had no issues getting the card for a limit of {$6500.00} with the perk of XXXX  % APR on balance transfers for 15 months. I submitted a balance transfer request via the Truist app on XXXX and it was accepted for {$5800.00}. I waited 10 business days and no activity had occurred. I contacted Truist and they advised to wait longer. To date Ive contacted them four times and each time they state theyve put in a ticket. The balance transfer request was made more than a month ago now. When I log in and research balance transfers now I no longer see the perk because Ive already applied ( but I am guessing this was an IT glitch. ) Truist is not helping and it is unfair to advertise a balance transfer perk and then it doesnt come to fruition.

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 2023-03-08 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: IL

Complaint narrative:
Experian lists an account XXXX XXXX that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and 2 late payments are wrong. I have submitted dispute letters to Experian several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, I opened this checking account ( XXXX  ) with {$150.00} bonus offer on BoA website. 
On XX/XX/2023, until today, I still have not received the {$150.00} bonus. Tried contact customer service and they told me that offer never applied to my account so I wont get the offer. Also last 5 month, I had over {$20000.00} direct deposit and I am very sure I am eligible the offer. 

This is clear a tech issue from BoA or they had a fault advertisement. I need CFPB to help and look into this issue.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wrote a check from my Wells Fargo checking account to pay on my Wells Fargo credit card account on XXXX. The check was pay to the order of Wells Fargo for {$2000.00} and sent to Wells Fargo credit card service. The checked was cashed but not credited to my credit card account. The check posted on XXXX, that's when I reported Fraud to Wells Fargo on XXXX. I completed an Affidavit of check fraud as requested by Wells Fargo. An Investigation was started by Wells Fargo check Fraud Division and they found out that and account holder with XXXX XXXX  altered the check and put XXXX as the pay to the order. XXXX knows who the account holder info and at the request of Wells Fargo and XXXX will not respond after repeated requests since XXXX. There is a XXXX account number on the check so XXXX knows who has perpetrated the fraud. I keep calling the Fraud division for Wells Fargo for 5 months and no action or resolve as of this complaint. Wells Fargo has mishandles these fund and are responsible.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed out my business account and have refused to send out the balance on my account of over {$80000.00}. They have been doing this to a lot of people and it has to be illegal for the bank to close an account and hold on to funds that do not rightfuly belong to them,

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 2023-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We deposited a settlement check of {$40000.00} from a well-known law firm ( XXXX XXXX XXXX into our personal account on Friday, XX/XX/2023. A hold was placed on the check until the XXXX of XXXX. 

The day the check was supposed to clear, the sending bank ( XXXX XXXX was encountering problems and for some reason (?? ) the check wasn't okayed. Chase then put a further hold on the check for a week, until Tuesday, XX/XX/XXXX. 

This is beyond the understood amount of time a bank can/should hold a check. On top of that, the same day of the issue, my wife and XXXXXXXX XXXX  attempted to explain to Chase that the check was clear to cash, but they have outright refused.

There is NO reasonable explanation for Chase 's action. Though this complaint may mean little as the check will likely clear before it can be addressed, I still wanted the complaint on file with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: MO

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Someone opended an account. Identity Theft. Your website makes reporting this a nightmare. Experion will not remove this account, unless you tell them to!

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 Chase Bank put a freeze on my account due to a wire initiated by my father from XXXX my father unexpectedly passed away so XXXX flagged the wire as fraud, I have since gained administrative rights to my dads estate so XXXX lifted the hold on the wires they are now authorized but still Chase bank refuses to work with me to unfreeze my account. I have been given the run around hours on the phone, in the branches and no one will help resolve the issue. I get secure emails that have bogus numbers to resolve the issue, they tell me my money is frozen by XXXX XXXX a back office of chase bank but theres no way to contact them. This has been 3 months all my money is tied up my business is going under my car is going to be repoed and I have an eviction all due to Chases unwillingness to resolve an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I would like to sue Capitol One Financial. Rented a car from XXXX using the Mastercard platinum car rental coverage. This was in XXXX of XXXX. Ran over a dead dog carcass and sustained XXXX dollars damage. When I tried to file a claim they said that the car rental coverage had been discontinued. I said that I did not get notified. After numerous calls and inquiries I was told that the coverage had been discontinued as of XX/XX/XXXX on the XXXX page of the online statement. I said, " are you kidding me. ". The spokesman from Mastercard read from I guess a memo saying that Capitol One should notify cardmembers by letter, email, or online statement. This is outrageous. I have been stewing over this for a year. They refuse to reimburse. I don't know what the legal angle would be on this case, lack of due process, lack of proper notice, negligence, ethics. I don't know but I want to sue them. I am XXXX XXXX XXXX with a XXXX XXXX so I could not handle small claims. Let me know if you can help or maybe refer to someone who can. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
I DO NOT KNOWW THIS COMPANY : EASTERN REVENUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: HILLTOP HOLDINGS, INC
State: IL

Complaint narrative:
XXXX lists an account PRIME LENDING that is riddled with inaccuracies. My name is incorrect, the balance history is erroneous and XXXX late payments are wrong. I have submitted dispute letters to XXXX several times including correspondence with the creditor that states that I was not late as listed on the report. I would like all inaccurate information deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
XXXX XXXX is trying to garnish my pay from my employment. This account is over XXXX XXXX XXXX. I didn't get a court date from them. They also take advantage of low income individuals. They use unscrupulous business tactics. The car lots they are in business with sell the consumers bad automobiles, they are predatory lending company, jack up prices so that the low income buyer can't afford to possibly pay off the car. The interest they charge for these loans are criminal. I use to try and pay my car note ahead of time. They accepted my money told me, that they take payments in advance and then repossessed my car for missing a car payment added on tow and other fees and made it impossible to get my vehicle back. I need help, I feel like they owe me money they are a horrible company and I would like to be added to any lawsuit filed against them. I am a victim of this predatory lending company. They need to be stopped.

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 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
The lender UWM has failed in its duty to pay the quarterly property tax/PILOT payments to the town in time although the tax is being escrowed. This has resulted in penalties which, despite UWMs promise, were paid from my account instead of bearing by them. Now the tax for the first quarter was due in XX/XX/2023 but they have failed to make a timely payment and I am receiving reminders from the town. I sent messages on XX/XX/XXXX with a reminder by a secured message and a phone call. 

This has happened previously last year where I had to spent countless number of hours in making them pay the taxes out of my escrow account. I have the supporting messages that I can provide should it be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I don't believe this account belongs to me. I was never late. Please start investigating quickly and have them remove it from my report.

Company response to consumer: Closed with non-monetary relief