vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-01-31 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: SC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My wages have been garnished from a public case dated XX/XX/XXXX without my knowledge. 

After moving from an address, another entity took the creditors catalog ( XXXX ) and used my account to order massive products. When I received the bills I disputed them immediately. They were done by someone with a different name than mine. 

A fraud alert was filed with XXXX XXXX on XX/XX/XXXX. 

The creditor did not address this alert. Instead they sued me in XXXX XXXX I lived in. At the time, I was under complete duress with a still born child and a parent in hospice. 

My options for resolution were never disclosed. 

The account was purchased by Midland Credit Management. 

The creditor has now since garnished my wages without me receiving any paperwork to the effect. 

I have contacted Midland Credit Management for this alarming issue and was advised to start an appeal. They did confirm they sent the paperwork to an old address. 

My current address was provided to them. 

How can I get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: TX

Complaint narrative:
This company calls my cell phone at least ten times a day, from various numbers from different states. They call before XXXXXXXX XXXX. and throughout the day until late evening, including weekends. The numbers they have most recently called from are below : XXXX ( PA ) ; XXXX ( Ohio ) ; XXXX ( Oregon ) ; XXXX ( Florida ) ; XXXX ( MA ) ; XXXX ( NJ ) ; XXXX ( NC ) ; XXXX ( Indiana ) ; XXXX ( Florida ) ; XXXX ( Texas ) ; XXXX ( Georgia ) ; XXXX ( Virginia ) ; XXXX ( Minnesota ) ; and multiple other numbers including numbers in Washington DC, New Mexico, Utah, Wisconsin, Idaho, California, and New York. They never leave a message and every time I call back, I get a message that says, " Thank you for calling Mobil Loans. ". 
I really need them to stop calling me.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
ACH Withdrawal : {$1800.00} on XX/XX/XXXX, BY XXXX XXXX  My business found a suspicious unauthorized traction earlier late last month ( XX/XX/XXXX ), and tried to resolve the issue with my bank, COMMERCE BANK. I first called the bank to inform that the account was debited {$1800.00} on XX/XX/XXXX, and it's an unauthorized traction. It said it's XXXX XXXX which took the money from the account. We haven't got any loans from XXXX or whatsoever organizations, and we don't owe them anything. I literally have no idea how you got our bank information and charged us {$1800.00} thru ACH which needs our routing and account number. 

The bank keeps saying that there's nothing they can do or dispute the transaction since it's already been over 24 hours, and telling us that we have to resolve the issue outside banking channel. 

I tried to contact all the numbers that I got from Commerce bank and there was literally nothing I can do to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
transactions on the mini summary of the account do not calculate evenly, and the bank teller could not explain the transactions to me. The balance wasnt even on most months

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is negligent by opening a fraudulent bank account in my name and social on 3 separate occasions. Each time I have been assured that the accounts will be closed and that proper steps are being put in place to prevent this from happening again. In addition, I have fraud alerts on all 3 credit report agencies and XXXX. Despite this, they continue to allow fraudulent accounts negligently. 

Accounts were successfully opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I contact them, and have been given assurance by them and their department that this would be prevented from happening again. But they would not discuss how the problem keeps happening to " protect privacy. '' They have no problem violating my privacy by opening the accounts. 

It is very apparent that the Bank does not have appropriate security and fraud protections in place to protect consumers.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
On XX/XX/2022 I filed a complaint stating that I received a credit card from Avant and the following day they reported it as fraud. During the investigation period and after I continued to make my monthly payments. On XX/XX/2022 I received a response from Avant stating that the investigation had been completed and that I would be able to use my card again. In XX/XX/2022 I attempted to purchase gas and the card was declined, I contacted Avant and was told that the card had been closed due to fraud. This account still shows open and active on my credit report. No payments that were made on this account was credited and I am unable to log in so that I can attach the payments history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: OLIPHANT FINANCIAL, LLC
State: UT

Complaint narrative:
As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX  from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
I started receiving calls in XXXX from Sentry Credit in XXXX, XXXX  XXXX stating that I owed XXXX XXXX. I contacted XXXX since I have never had a credit card with them, which they confirmed. I spoke with XXXX in the fraud department and she looked through their system. I informed Sentry Credit not to bother me with this and she continued to try to get my social security number in fact wrote me a letter trying to collect. I keep a tight reign on my credit even have a credit company to watch for identity theft, so I knew it was fraudulent. There is no telling how many seniors they are preying on.

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 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
A debt collector by the name of Radius Global Solutions LLC is trying to collect a debt i do not owe plus the collection agency does NOT have a license to collect in the state of NY. They are in violation and i want them to cease and desist. 

The amount is for {$8100.00} and they offering me to pay {$4800.00} I tried reaching out and dont get anywhere with 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 explanation
Consumer complaint received 2023-01-31 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: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
Chrysler Capital is reporting a charged off debt amount that I just don't understand. My contract stated that I was supposed to be done paying my car however, we did end up putting an additional month towards the end due to a skip a payment option. However, my last payment to them was XXXXXXXX XXXX XXXX That is what the contract said and I don't understand why they continue to report a charged off balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Greetings, The problem company is Specialized Loan Servicing LLC. The problem goes back for years right now I am not in liberty with the exact dates but I do have current dates. In XXXX of XXXX, I mailed a payment of {$1300.00} to SLS. They claim that they never received the payment. So I stopped payment on the check. On XX/XX/XXXX, I submitted an electronic payment to SLS and I was current afterwards. In XX/XX/XXXX everything was fine with the payment but my wife had panicked and mailed SLS a payment for XX/XX/XXXX and I also paid SLS Loan servicing electronically in XXXX, With XXXX 's payment ( XXXX ) check already cleared by my bank of XXXX XXXX, that meant that my wife 's payment was for XX/XX/XXXX, this current mortgage payment. SLS only applied {$500.00} to the XXXX payment. My wife mailed 3 money orders to Specialize Loan Servicing. Two {$500.00} money orders and 1 money order for {$360.00}. 74, when we spoke to SLS about a week ago they told us that they didn't receive any payments. After a heated discussion on my behalf they finally told my wife and I that they have a {$500.00} money order payment and the other {$500.00} money order plus the additional {$360.00} dollar money order had not been applied to the account for the month of XX/XX/XXXX. We were told that only one money order was scanned and that the other money orders were not scanned. In which I personally believe that fraud is involved with the additional money orders. It makes no sense to receive three money orders in an envelope for a mortgage payment and only apply one of them to the mortgage payment. Specialized Loan Servicing holds our mortgage payments in order to get money from late charges. I had been using Priority Mail from the USPS in order to track the mortgage payments through the mail. I have much more details about SLS but the character input on this website are limited. Please help. I'm sure I am not the only SLS customer to be defrauded in this manner.

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 2023-01-31 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CITIBANK, N.A.
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX at roughly XXXX I received a text alert that there was suspicious activity on my debit card. At this time I was at work on camera at my office in XXXX Ohio. I started work at XXXX and was there until XXXX as always. I did NOT reply to text message instead I immediately checked my bank app and called XXXX XXXX XXXX. These charges were at a XXXX XXXX and an XXXX XXXX in XXXX Ohio, almost XXXX hours away from me. They were debit transactions yet I did have my physical card with me. I had also used my card in XXXX Ohio on my way into work that morning at a XXXX. I did not receive a text warning until the XXXX charge was attempted, therefor XXXX charges were posted already. I did not authorize these charges! I do not know of anyone that would have my information either. I don't know how this happened but I know it was not me. 
On XX/XX/XXXX I received a letter stating that these charges were authorized so I won't get my money back. I have been fighting with XXXX for too long with nothing to show for it. I told them I want cameras checked to prove that it was not me, as I was at work. XXXX stated they don't do that. I did call again and request my dispute be re-opened on XX/XX/XXXX. 

I attempted to get my text message history to prove I never sent an authorization text message. They state I did approve through text. I absolutely did NOT and would not approve this! That was all of my money! 
Also I've spoken to the XXXX XXXX customer service and they said this charge didn't take place. They checked everyday of the week ( XX/XX/XXXX - XX/XX/XXXX ) and there was no charge for this amount at once at all. XXXX XXXX doesn't have my money and neither do I. 

I have spoken to an attorney who told me i am doing all the right things and the next step after this would be small claims court but I don't know how that would go. Who do I go after XXXX? This big bank. 

I also filed a police report in XXXX which will be attached. I have continuously called and emailed XXXX XXXX XXXX since XXXX. I will not give up! 
As of now the XXXX police say unfortunately there are too many cases like this to investigate each one. So they are not even looking into this for me. At least a report was filed. 

My card at the time was immediately deactivated, within an hour of my finding these charges. I acted immediately. 

XXXX XXXX charge was for {$2100.00} ( XXXX XXXX XXXX XXXX Ohio XXXX ) XXXX XXXX charge was for {$440.00} ( XXXX XXXX XXXX XXXX Ohio XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I open my account with Chime in XX/XX/1922. I have been banking happily with them the entire time I had not received any warnings or any feedback that my account could be closed all of the sudden and without warning chime shut down my account. I can not access my financial history and records in terms of payment. My account was closed on XX/XX/XXXX of this year. What did I do? Why cant I access my information anymore? Please help!

Company response to consumer: Closed with explanation