vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Resurgent, a debt collection company on behalf of LVNV Funding on behalf of XXXX XXXX, as of today XX/XX/23, is threatening to turn my account over to an attorney to sue me. Although the debt isn't 'very old " I didn't have another option to select for threats. I know that I owe the {$1200.00} for the XXXX  XXXX credit card I had a few years back, so I am not disputing that information, however as a consumer I do know my rights and I do know what is considered illegal practices by a debt collection company and threatening to hire an attorney to sue is illegal. So, with that being said I am reporting this company to the CFPB for review. Additionally, they have only reached out via e-mail, I have yet to receive any paper documentation or phone calls from the company. If they have my email, they have my address and my phone number, I have had the same information for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Instructed by VA that I could use the services of XXXX XXXX in XXXX GA XX/XX/XXXX Spoke with XXXX at the VA in reference to hospital bill not paid. I was informed there was a billing issue that the reference number and claim number was missing. 
REF # XXXX XXXX Claim Number XXXX XX/XX/XXXX I spoke with XXXX and informed them the billing was incomplete XX/XX/XXXX I discovered the debt on my credit report XX/XX/XXXX disputed claim with XXXX XX/XX/XXXX Called and spoke with XXXX at Medical Data Systems. I tried several times to explain the situation and she refused to listen and understand just kept talking over me and refused assistance. 

XX/XX/XXXX I called the VA and spoke with XXXX and explained the situation with the debt on my credit report. She explained to me that the Doctor was paid with his claim number but well star had not done a complete billing XX/XX/XXXX Called back to Medical Data spoke with XXXX who claimed to be a supervisor. She was basically saying sorry for your luck they didn't seem to care or try but informed me I needed to make payments. 

XX/XX/XXXX Called XXXX spoke with XXXX and explained the situation but was no help. 

I would like this removed from my credit and correct the billing to have the VA pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a checking account with Chase Bank in XXXX, CA. This is a Trust account which has been with the bank for many years. Recently bank requested trust documents for verification that I submitted. Bank restricted my account without any written explanation. My calls at customer service number did not yield any result. I requested the bank to send my money by check if they did not wish to have the Trust account any more. I am not getting the money, nor any explanation from the bank. Please help me resolve this ASAP. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
The collection account on my XXXX credit report is not accurate. 
Rec Mgt Grp ( original creditor : XXXX XXXX XXXX ) - XX/XX/2021, {$770.00}

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 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau against Barclays for their failure to comply with XXXX guidelines in investigating my quality of goods and service dispute for a purchase with XXXX XXXX. On XX/XX/2023, Barclays responded to my complaint and acknowledged that I provided the necessary documentation for the dispute and initiated a chargeback. While Barclays acknowledged my timely submission and the appropriate documentation on XX/XX/2023, they sent conflicting correspondences dated XX/XX/2023. One letter falsely claimed that I withdrew my dispute, while the other letter stated that the merchant did not violate the terms and conditions of the sale agreement and that their cancellation/refund policy was not followed. 

I want to emphasize that the core of my dispute lies in the fact that the roller shades I received from XXXX XXXX were severely damaged, defective, incorrect, and completely nonfunctional. It is only reasonable to expect that I would not be expected to keep items that exhibit such serious flaws. Despite providing all the necessary information to support my claim, Barclays failed to conduct a comprehensive review and neglected their obligation to credit my account in accordance with the guidelines set by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from XXXX and XXXX that have XXXX reporting my car lease/loan. Please tell me why my XXXX XXXX is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and XXXX XX/XX/XXXX report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CA

Complaint narrative:
All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from Experian and XXXX that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and Experian XX/XX/XXXX report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
comdata charged my card a charge of XXXX and one of XXXX, I had to call multiple times to try and get the problem resolved. They keep insulting me by hanging up the phone, after long periods of holding and waiting. I sent them enough proof to return the money, but now they want to close my m accoun from they mistakes.

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 2023-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
( Issue # 1 ) EdFinancial informed that if I enrolled in XXXX, or XXXX- whatever it's called - that my interest rate would go down by 0.25 %. After doing such enrollment, I did not see I reflected in my account that my interest rate had gone down by 0.25 %. Further, when I called EdFinancial about this today XX/XX/2023, I received a call back from them after a wait of more than an hour, EdFinancial then hung up on me once I mentioned the 0.25 % rate decrease issue. EdFinancial must immediately decrease my interest rate by 0.25 % in both representation and in actually not charging that interest.

( Issue # 2 ) EdFinancial has allowed the Department of Education to receive from me a payment of {$8.00}. EdFinancial is writing or speaking nonsense to me when I bring up this payment. EdFinancial must immediately decrease my loan balance by {$8.00} or write to me a check in the amount of {$8.00}. EdFinancial states the payment of {$8.00} was denied due to insufficient funds and it was because we could not accept the method of payment. However, such funds were not returned to me. As I recall, the company which gave me the account/routing numbers to make a payment via EdFinancial was willing to engage in a 3-way call with EdFinancial to assist EdFinancial in locating my payment. However, EdFinancial was unwilling to engage in this 3-way conversation. EdFinancial was uncommunicative about the matter, suggesting they are being dishonest about the location of my {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank
State: CA

Complaint narrative:
Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have {$11.00} balance in my XXXX  account ( XXXX  account email XXXX ). XXXX permanently limited my account so I can not withdraw this {$11.00} to my bank account, nor can I request a check. I contacted XXXX and was told my account has been permanently limited so nothing I can do to get the {$11.00} in mu account.

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 2023-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: AL

Complaint narrative:
Despite being told that I was a 30 % XXXX veteran and currently unemployed, Carmax XXXX repossessed my vehicle. This is in addition to the fact that they were notified that the XXXX of Alabama has an extreme backlog of unemployment cases which mine is a part of and has not been resolved as of this complaint despite being filed on XX/XX/2023. Instead of offering forbearance to this XXXX veteran, the only thing Carmax XXXX did was spam my phone with multiple calls per day and any time I did call with an update, their only response was to ask when they would expect a payment. 

Therefore, in addition to this complaint, the following actions are to occur until Carmax returns the vehicle to my possession : 1. No monetary considerations will be given to Carmax, at all, in the future. If Carmax decides to sell the vehicle, whatever cash they get will be all they get. If they return it, then we can work something out.

2. Complaints will be filed with the BBB for deceptive business practices, with the CFPB for deceptive financial practices, and the VA for deceiving a XXXX veteran with the recommendation that a national bulletin be sent out warning all veterans against doing business with Carmax. 

XXXX. Bad reviews for Carmax on all social media outlets. 

XXXX. Carmax is also banned from attempting any contact with me until the car is returned. 

Additional measures including contacting local and national press are still being considered and may be triggered depending on the outcome of XXXX - XXXX above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Almost XXXX dollars was taking from me from out of my bank account with Wells Fargo to XXXX XXXX its fraud.. nobody is trying to help 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 monetary relief
Consumer complaint received 2023-07-17 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: TX

Complaint narrative:
Both XXXX and Experian are reporting an account on my credit report that is in violation. The account is with XXXX XXXX. I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With XXXX is was XX/XX/23 last month and today its XX/XX/23. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.

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 2023-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I plan to also send the below to Capital One, but I imagine I won't receive much attention as a single complainant. 

Re : Misleading savings account names and interest rates To whom it may concern : I am a longstanding client that began a savings account in 2006 with ING Direct. I have had my more substantial savings account with you since that time, using XXXX XXXX for my checking and smaller savings accounts. A large part of why I chose XXXX, and then stayed with you, was for the interest rates. When I just went to open a savings account with you for my kids, I noticed the extreme discrepancy in interest rates between my XXXX savings account that was " grandfathered '' ( .3 % ) and the XXXX performance savings accounts ( 4.15 % ). I am extremely disappointed. 

On multiple occasions, my financial planner has asked me if I wanted to move money from Capital One into a XXXX. I always declined as I was unaware of the differences in your accounts and that my account had been changed to a very low interest rate. I never received an email, call, or flyer in the mail explaining that my old floating rate account had now been locked into this very low interest rate and that there was a new account with much better terms. Further, the extremely similar names of your savings accounts are confusing and misleading. When I XXXX XXXX savings interest rate, the performance account rate comes up at 4.15 %, not my .3 %. I feel like I have been penalized for being a long-term client and have possibly lost thousands in interest due to this change. Two years ago, I had a balance of $ XXXX in my account with you. I had no idea that my interest rate had changed. I just opened a new performance account with you today so that I could start to receive an improved rate. Please see below for the language re : the transfer. This is very misleading for a typical customer. 

From : XXXX Savings, XXXX  To : XXXX Performance Savings, XXXX The names should be more differentiated from one another and existing clients should have been notified of the opportunity to change into a better-performing savings account or should have automatically been rolled into an account with better features. 

I certainly plan to pursue this further but am open to discussion/resolution if someone reaches out. I have spoken to a manager on the phone that agreed with my points but was unable to help me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
My wife works as a XXXX  XXXX with Fifth Third Bank and is very fearful of reporting this issue, for fear of retribution to her and her position. Fifth Third owns a title co called XXXX XXXX XXXX and for many years, loan officers were forced to use XXXX for all refinances and if they did not they were written up for not following procedures. This does not follow the federal guidance that allows the borrower to choose a title co. Most borrowers do not know who to use or how to shop it and so they usually ask the loan officer who to use and the loan officer at Fifth Third is only allowed to use XXXX. They are required to disclose XXXX fees and have no other option to show the borrowers. XXXX fees are higher than many other title companies. They tell their loan officers in the training that most borrowers on refinances will not shop and will just go with whoever the bank discloses on, so this is very very deceptive to the consumer. This practice had been halted for about 3 years and the loan officers were not forced to use XXXX, but just recently, they put the rules back in place and the loan officers are forced to disclose XXXX again and not allowed to suggest any other co, when fifth third and the loan officers know that XXXX is fully owned by fifth third and they know the borrower will just go along and not shop it. THIS IS DECEPTIVE INFORMATION TO THE BORROWER and Fifth Third is banking on the consumer having little knowledge of the industry and to just " go with it '' and fifth third will make the fee income off the title insurance since the market is down and they are not making as much money from loans as they have in the past couple of years.

Company response to consumer: Closed with explanation