vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I went into the XXXX and XXXX XXXX branch of Wells Fargo in XXXX, Oregon and attempted to make a withdrawal of 20k on XX/XX/XXXX and the teller told me they couldnt do it and did not give me a reason why. After I asked for the situation to be escalated, the teller alleged he went to ask his branch manager, XXXX XXXX, and she had said no. However, managers have always been out on the floor or at least come to speak to the customer to give them peace of mind, and I did not see her at all so I dont know if she was even there. Additionally, when the teller gave me a blank piece of receipt paper to write my personal information on for them to order the cash, I never received a call and it is now XX/XX/XXXX, so I assume they just threw it away. I dont know if it is because of my race, or the way I look, but I have never received service like that at any other Wells Fargo branch. This bank breaks their promises to customers and never tried to do things correctly anytime ( let alone the first time ), they went out of their way to make me feel unwelcome and be unhelpful. Hands down, the worst service I have received in my life at a financial institution. Make no mistake, I will be going on social media to make sure no one else receives this type ( or lack thereof ) of service.

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 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love, Beal, and Nixon attempts to collect from XXXX individuals with federally protected, exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TX

Complaint narrative:
OnXX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018.  On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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:
this is what is reported on my credit report by Experian : US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Reference XXXX I have supplied Experian with information directly from the courts in writing that they have not and do not verify court records. They also have failed to report and furnish accurate information such as the court name and reference number. 

Attached you will find a letter from the United States Bankruptcy Court, XXXX Division. I have no knowledge of who the " US BKPT CT IL XXXX " is, nor have I received any correspondences from such a business or division. I also have no knowledge of the case number referenced above ( XXXX ). I have asked Experian through multiple channels not limited to the themselves, the CFPB, and the Attorney General to provide the furnisher of this information. They have yet to respond with where this information is obtained. Per FCRA 611 they are required to provide the name, number, and location of the furnisher of this information. They have failed to do this on numerous occasions as well have failed to provide accurate information. I'm asking for this item to be removed from my credit report as it is not reflecting accurately.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2019-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Common Wealth Mortgage Services
State: CO

Complaint narrative:
I have always paid my mortgage half at the beginning of the month and half at the end to in order to help with my finances as I do not get paid on regular basis. After refinancing with XXXX XXXX for my mortgage, I was called by customer service asking me to pay the full amount by the XXXX of each month. I told customer service that I have paid ahead so there should be no reason to charge me a late fee I need to pay two times a month. I am not exactly sure of the dates of this conversion but I am thinking maybe around XX/XX/XXXX/XX/XX/XXXX. 

Recently ( XX/XX/XXXX ) I received a letter from XXXX stating as of XX/XX/XXXX they will no longer accept partial payments and any partial payments will be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntingtons bank was not authorized to debit my bank account for 2 payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have written as suggested by the CPFB to 2 different lenders revoking my ach authorization. As suggested I went to my bank, Bank of America, with copies of my revocations more than 3 business days in advance to notify them that I had revoked my authorization and they would not even acknowledge the correspondence. In fact they acted as if they never heard of Reg E, would not place a block on any or all debits from my account and said if something happens I can file a dispute then. The branch rep went so far as to say " we have washed are hands of these things, and leave it up to the consumer to figure out. ''

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 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This Complaint is related to a previously filed complaint ( XXXX ). Chase in its response, in order to close the complaint provided incomplete information and withheld other information. This complaint is related violations of the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Fair Credit Reporting Act as well as abusive behavior in confiscating reward points without formal notification. Given recent Press Coverage of Chases efforts to manage reward costs this appears to be a conscious strategy to enrich the company and its shareholders and I request whistleblower status. 

The specifics of my initial complaint are attached. Relevant new information is as follows : I called Chase on XX/XX/XXXX to make a payment. The Payment came out of my account that day. As mentioned in the prior complaint I attempted to use the card at a XXXX XXXX and was declined. 

You will notice that while the Associate I spoke with was acting in a Debt Collection fashion, Chase is unable to provide a recording or transcript of the call. Quite convenient, but also troubling in that there appears to be a lack of oversight of this type of debt collection on Chases part, including any verification that appropriate disclosures and scripting was followed. Clearly this is something for you to review on their next Regulatory exam. 

On XX/XX/XXXX I received the attached letter confirming the Payment. Notice there is no mention of the account being closed. 

On XX/XX/XXXX I recieved my account statement ( attached ) reflecting the payment but showing the reward points removed. However the statement does not mention that the account was closed. It simply shows my credit limit of {$20000.00} but shows an available credit of {$0.00}. How would a consumer understand that the account had been closed? 

I also attempted to resolve this issue through Social Media via XXXX. I posted complaints to the Chase public account and XXXX  XXXX immediately responded asking me to direct message them my information, which I did. I followed this approach multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I never heard back from CHase. It is clear their strategy is to derail negative comments via an offer to take the conversation offline and they NEVER follow up. Clearly this is a deceptive use of Social Media and a bad faith approach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: GA

Complaint narrative:
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted XXXX asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I  filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.

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 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have been unable to manage my security freeze with Equifax using their online portal, myEquifax. The myEquifax system generated an error when setting up my online profile in XX/XX/XXXX. When I attempt the account sign-up process again, I am told that I already have an existing account, and that I should attempt a password reset. The password reset function does not work. I have contacted myEquifax customer service by phone at XXXX on at least 6 occasions since XX/XX/XXXX and am repeatedly told that my case will be escalated, and that I can expect a response within 48 business hours. However, I have never received a callback or further correspondence, and this issue persists. Most recently, I contacted myEquifax customer service today, XX/XX/XXXX, and was told that customer service agents are currently unable to assist because of an ongoing " system update. '' This situation is unacceptable, and plainly violates my consumer rights under section 605A of the Fair Credit Reporting Act ( 15 USC 1681c1 ( i ) ( 6 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX, XXXX, XXXX  XXXX attempts to collect from XXXX individuals with federally protected, exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Called Capital One on today, XX/XX/19 was constantly transferred from department to department for a total of 1 hour  and was not given any resolution.

Company response to consumer: Closed with explanation