vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: DISCOVER BANK
State: MA

Complaint narrative:
I tried to charge some golf stuff and my card was declined. When I got home I called the company and they said it was stopped because of non payment. They told me I had to give her the information on file of my account so I did and everything was in order. She apologized and fixed the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX, at XXXX at Capital One ATM XXXX, XXXX, TX, I tried to withdraw {$500.00} of mixed accounts {$100.00} XXXX $ XXXX $ XXXX $ XXXX Total {$500.00} The ATM stated on the screen it was dispensing cash, but nothing was coming out. I tried to cancel transaction at that point. Something flashed on the screen about an error. Then a receipt printed out that the money had been withdrawn. I went into the branch to let them know. They said I had to call the number on the back of my card. I needed the {$500.00} for a specific project that day so I went ahead and got it out of the ATM in the lobby and proceeded to call the number. I later went back to the branch and they said that an ATM audit was done. They assured everything would be okay and usually it takes less than what they say it will take. I called the number again on the back of my card and they said they were waiting for the branch. I asked more questions at the branch and they said didn't have anything to do with that ATM. It was serviced by XXXX. I called the customer service today and asked about the number of XXXX and I couldn't get it. He continued to say they are waiting for the branch and then he asked if I could get a provisional credit from the investigation team. They told him no, I have banked at Capital One formerly known as XXXX XXXX Bank since I was XXXX XXXX XXXX. Not to be able to talk to anyone face to face ( like back in the day customer service ) and not getting real time results such as immediately reviewing the video and checking the balance of cash in ATM, etc with an audit is disheartening to have to continue to wait or not " trust '' me with a provisional credit. I have had a direct deposit coming into that account from the same place for 8 years and banked there for over 30 years. I haven't received an email or letter that there was an investigation or any follow-up. On another side note, the day before I went into the branch to take out {$500.00} for the same project which I shouldn't have to explain. It is my personal account. The lady directed me to the inside ATM instead of the teller and I had driven across town to go inside in the first place. We only have one branch and three ATMs in XXXX. I really don't like to get that large amount of money out of a machine. I needed to go to XXXX XXXX XXXX  for our summer program on the day of the XXXX, the day my {$500.00} did not come out. XXXX XXXX XXXX is right beside the branch. So I knew the lady would point to the ATM as she did the day before when I walked in so I decided just to drive through and that is when that stupid machine didn't give my cash back ( XX/XX/30 XXXX ATM XXXX TX XXXX XXXX that is still in dispute as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union has stolen my money, blocked my account, refused my refunds, and blocked all contact with me while stealing my money in retailation for me filing complaints of XXXX  to their company. They refused to acknowledge my complaints but deny me services. The last time I filed this complaint they BRIBED me with {$100.00} cash saying they would investigate but didn't. They reversed a XXXX fraudulent charge on my account while refusing to acknowledge my other disputes. They have deliberately withheld my direct deposits saying I was moved " to a different batch '' which is based on my XXXX. They have name calling me on the phone, laughed at me, called me a liar and shamed me based on my race and is now stealing my money and blocking me from talking to them in any form. They only sent me a form letter with no name or contact person on it! ( see attached ) This is harassment and illegal because it is based on my race witch has exasperated my XXXX, shamed me as a person, caused me extreme XXXX suffering and duress. Please help me get my money back so as a veteran living with XXXX I can get loose from the crippling XXXX grips of Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
XXXX XXXX sent me a bill for {$1200.00}. Bill was due on XX/XX/XXXX. I paid in 2 parts directly via e-banking from my banking account. Paid {$650.00} on XX/XX/XXXX and {$570.00}. XXXX 's system is inept. 
I spoke with XXXX on XX/XX/XXXX at XXXX XXXX. She said she would review and clear the debt. I also filed the documents via their XXXX and XXXX. 
XXXX sent me to debt collection. I spoke with XXXX on XX/XX/XXXX at XXXX am XXXX. He told me to send in the documents. I have sent the documents. 
This is harassment. I have paid my bill. Their system is inept. Why is my credit be affected. Please help. 
Credit Collection Services - XXXX Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I was notified by phone back in XXXX by a collection representative with Lendumo about a pass due payment from XXXX. I advised the representative that my monthly payment was made on their website online by my son in the amount owe of {$310.00} on my due date XXXX. Because I had fraud issue on my bank account and I knew the payment wouldn't go though I had my son to make the payment for me so I thought the issue was resolved. I called them on XXXX but was advised it was too late for them to stop the payment because they have a 3 day notice to make changes to automictic payments. I continued to receive collection calls trying to collect on a payment that was made on time for my XXXX payment online. I sent a written notice to the lender on XXXX again advising them that I didn't owe the a payment from XXXX since it was paid by my son on time. I received an email response from Lendumo stating that the account was pass due to the return payment and once again I explained to them what happen and they acknowledge they di receive the payment for {$310.00} back in XXXX which was the exact amount payment due to {$310.00} on XXXX. But because their system shows pass due they still have to collect. I tried again to get them to update their system and correct this matter because the pass due payment amount of {$310.00} was not pass due, it was just a system issue on their end but they have refused to correct this issue and have continued to harass me over and over again. The harassment calls haven't stopped on them trying to collect on a payment that is clearly not owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.

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 2022-07-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Aqua Finance, Inc.
State: TX

Complaint narrative:
I purchased a water softener system and other items. The items never worked. Either due to faulty install or defective equipment. The company refused to repair them, refused to retrieve them, and is not refusing contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I see a massive balance of $ XXXX on my credit report from the lender Net Credit. I have tried to file a dispute last year, and again this year but XXXX will not assist to the extent Id like. I have not received any contact from this lender or any related to this debt in years and it keeps increasing. It is at the point where I will never be able to even come close to paying this debt without even understanding how the balance could become that outstanding with no notice or communication. Upon searching for more information on this lender it does not appear they are authorized in the state I reside and I am questioning the legalities and legitimacy of this business. As I age, I am even more disgusted with companies that can operate this way and prey on poor people who do not understand when they are dealing with an illegitimate business. I have seen cases of my state filing against them several times and somehow they are still able to get away with stating I owe an astronomical amount when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX/ XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX  XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CORELOGIC INC
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address

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 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
on XX/XX/2022 I SENT OUT A VERIFICATION LETTER AND A VALIDATION LETTER AND THEY SENT BACK LETTER ON XX/XX/2022 STATING THAT THEY CLIENT HAD VERIFIED IT WITH THE CLIENT AD SENT A BILL AS VERIFICATION .... ON XX/XX/2022 I SENT A LETTER ASKING THEM TO PROVIDE ME METHOD THEY USED TO VERIFY ..... I ALSO ASKED FOR THEM TO SEND ME ALL DOCUMENTATION WITH MY SIGNATURE ON IT ... .... AND THEY CONTINUE TO SEND THE SAME BILL SAYING THAT IS HAS BEEN VERIFIED BUT NO DOCUMENTATION TO SUPPORT THE DEBT

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 2022-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CBC Companies, Inc.
State: IL

Complaint narrative:
In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Fees and interest charged for XXXX XXXX  which was done accidentally and reversed. I was told by the first representative and a supervisor I would be credited all fees if the XXXX XXXX was reversed by me. Never received, refused to apply credits as promised.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought concert tickets from XXXX XXXX on XXXX for {$200.00} through XXXX. I never received the concert tickets. He fraudulently induced me to transfer funds to his account. I filed a dispute with Chase Bank because I paid for a product that I never received and I was fraudulently induced to transfer funds to his account. Chase Bank refused to reimburse me or provide me any protections that are required by the Consumer Financial Protection Bureau guidelines. I have a police case report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: I.C. System, Inc.
State: GA

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

In accordance with the fair credit reporting act XXXX Accounts # XXXX I.C. systems Inc, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-08 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: MD

Complaint narrative:
On XXXX XXXX my accounts were closed and I was instructed to go into the branch and verify my identity which I did. And once there had to open 2 new accounts which few days later were closed as well. I was told the accounts would be fully closed on XXXX XXXX and then again XXXX XXXX. Then when I phoned again on that date was told XX/XX/2022 the accounts would fully close. The accounts wound up being closed XXXX XXXX and payment was supposedly mailed out on XXXX XXXX. When I called on XXXX XXXX I was told I would receive the check by XXXX XXXX. I phoned in again on XXXX XXXX due to check not being received and was told to wait till XXXX XXXX. On XXXX XXXX I phoned in again and was told they dont issue stop payments and either I would have to wait for the check to expire out in 100 days or be returned to them before a new check would be sent. This is way too long to keep waiting on money that they closed an account for after banking with Bank of America for 21 years. Before the funds were sent out I offered to pay for the check to be overnighted and was told no. I also had a request processed to pick up a cashiers check from the branch to be denied. This is unacceptable to wait months for your money when you have done nothing wrong.

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