vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: LA

Complaint narrative:
one day I saw that I lost XXXX points on my XXXX  account a debt collector Vance and Huffman LLC trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: DE

Complaint narrative:
I got the letter ( XX/XX/XXXX ) from ONLINE information service is a debt collector. It say it is trying to collect a debt that I owe to XXXX XXXX XXXX {$1300.00} with account number XXXX on XX/XX/XXXX. I called ONLINE information service about the letter and she said I reside in XXXX, Texas. I didn't ever live in XXXX, Texas and never been an account of XXXX XXXX XXXX. I live in XXXXXXXX XXXX so far and also I have lived in XXXX XXXX all the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I took a vacation to a XXXX XXXX in XX/XX/2023 but did not get a hard copy receipt ; they told me the amount and said they would email it to me. When I finally received my bill on my Bank of America VISA is was over {$500.00} more than I was told by XXXX. I immediately contacted BOA to dispute this amount. I was unable to get a hold of this motel when I made reservations and again when I contacted them again about my bill. In my dispute I asked BOA to get me a copy of the bill. I gave BOA a copy of what I had paid initially ( {$2000.00} for my complete stay on XX/XX/2023 ). When I received a partial bill summary from BOA it showed that I had actually overpaid {$730.00}, being charged twice on one full day and twice for parking on the one day ( my car never left the garage ). BOA still declined my request writing : " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount. '' BOA was EXTREMNELY difficult to deal with, transferring me up to 5 times to find the correct person to provide any help.

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 2023-08-04 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Ordered merchandise from XXXX XXXX XXXX ( Merchant ) on XX/XX/23 Order XXXX XXXX for {$200.00} & on XX/XX/23 Order XXXX XXXX for {$890.00}. Either of the 2 items were received. I reported a non delivery complaint of items was reported to Merchant & PenFed ( Credit card company ) on XX/XX/23. The Merchant denied to refund for either item reported undelivered without any explanation. PenFed did offer a permanent credit of {$200.00} for 1 of the items on XX/XX/23. On XX/XX/23 Pen Fed claims the charge of {$890.00} is valid and declined to issue a refund of the undelivered merchandise without explanation. I am requesting the refund of {$890.00} from Pen Fed for merchandise I did not receive.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/2023 @ XXXX My husband received an email approval for a new credit card under my name. We contacted our credit card company. We then completed a credit report for a 1 year fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
There is an electricity bill in Ohio that has my name on it, and is in collections. I have not lived in Ohio since I was XXXX XXXX XXXX and I have never owned property or leased property in Ohio as an adult. I contacted the organization a year ago and they have continued to report negatively to the credit bureaus that I am delinquent on {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is in follow-up to complaint XXXX submitted on XX/XX/XXXX. 

Wells Fargo is claiming I can not close my mothers Wells Fargo savings account and withdraw the funds because it is a joint account with two other people on the account. The two people are my siblings. 

On XX/XX/XXXX at XXXX XXXX. those same two siblings and I met at the Wells Fargo branch closest to my sister 's house to close my mothers checking and savings accounts. We were able to close the checking account on that visit, but the staff told my siblings that the savings account was not a joint account, so they could not close it. This is the same savings account Wells Fargo is now claiming is a joint account ( with those same two siblings ). 

Staff made a copy of her death certificate to send to the appropriate department for notification of death. 

In XX/XX/XXXX the court appointed me to manage my mothers estate. 

After that, I attempted to use my court appointment letter to close my mothers Wells Fargo savings account and withdraw the funds. After initially being ignored, Wells Fargo now claims the account is a joint account, so I can not close it or obtain the funds. 

So either Wells Fargo should have allowed my siblings to withdraw the funds and close the account in XX/XX/XXXX or else the joint account paperwork recently produced by Wells Fargo is fraudulent. Wells Fargo should explain why my siblings were prevented from closing the savings account under the rationale that only my mother 's name was on the account. 

Questions for Wells Fargo : If my siblings go again to Wells Fargo to withdraw funds, will they have ANY problems? 

It is difficult to obtain an appointment at the bank convenient to us, so I will have my siblings leave a letter indicating their wish to close the account. The letter will include their names and addresses, a reference to my mothers name and address, the account number, and their request to close the account. Will that be sufficient information? Please do not refer me to any Wells Fargo forms we will draft our own letter.

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 2023-08-04 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: NY

Complaint narrative:
Dear Sir/Madam, Transunion made a mistake on my credit report they added a loan account from a company called XXXX XXXX XXXX XXXX , I have never opened a loan account with such a company and never had a loan opened from any company before. Also, Transunion added the following address to my credit report " XXXX XXXX XXXX XXXX XXXX, NY XXXX '' I never resided at such address and I have no knowledge about it. 

I disputed the charges with Transunion through XXXX and the results of their investigation was : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

There is 0 % chance the I had such a loan account because the account was opened XX/XX/2016 and I had No SSN or any ability to have a loan or credit under my name at that time. 

This all started when I called Transunion trying to lift off the fraud alert I had put on my account in mid-XXXX. Transunion took all of my information over the phone, name, date of birth, address, and SSN number. And they couldn't help me remove my fraud alert, so I kept it as it is. Two days later, I received a notification that there has been a change to your credit report. Once I opened my XXXX XXXX account to check, I noticed that my Transunion credit score dropped from XXXX to XXXX which is XXXX point decrease. Moreover, I called them and explained to them that they made a mistake since it all happened only when I contacted them. I then disputed the loan account that was put on my credit report ; and the wrong address they put on my account. Now I'm not sure how such a mistake could happen from a credit bureau. I'm in the middle of applying for loans and this hurts my current and future plans. Transunion made a mistake and I'm paying the price for it because when I called them they said it will take 30 days to resolve the dispute and this is financily damaging to me and I don't know to etxten I have already been or will be financially harmed. Please help me resolve this issue ASAP. 

Additionally, have two dispute number one from Transunion and one from XXXX XXXX dispute number : XXXX Transunion dispute number : XXXX Attached is two pictures shows the loan account and the wrong address mentioned on My credit report. Thank you.

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 2023-08-04 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to appeal the decision Chase Bank made regarding my claim for reimbursement for a work trip to XXXX. The United States Department of State had issued a level three warning for US citizens just two weeks before our scheduled trip due to increased crime rates in XXXX. Our hospital canceled the trip for its employees and their families safety and well-being. 



After canceling the hotel reservation, I contacted management and requested a refund. However, they refused to acknowledge the Department of State warning, official notification for the public before they travel. I planned to stay in XXXX for three nights with my mother before she left for the United States and then travel to the second leg of my work trip further south in the XXXX. I have provided all the necessary documentation to support my claim. 

In my claim documents, I confirmed that I would not receive reimbursement from any other source. I have also contacted XXXX and XXXX, but they both refused to give me a refund or credit towards the hotel, which cost {$1800.00}. Additionally, my mother 's flight, which cost {$920.00}, is now held in credit for airlines we don't typically use. 



I received a call and voicemail from Chase Bank on XX/XX/XXXX stating that I would receive {$1800.00} back for the hotel and that in XX/XX/2024, we could receive the flight refund of {$920.00}. However, I then received an email stating that I was not receiving the refund because the reason for cancellation did not qualify for trip interruption. This is unacceptable, given that my employer canceled the trip due to a level 3 warning from the Department of State. 

I have heard of others who have had similar cases to mine and have been refunded. I request your office to mediate this matter with Chase Bank to refund my hard-earned money. 



Please let me know if you require any additional information from me to complete the refund. Thank you so much for your help in mediating and settling this matter amicably. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have credit monitoring services and it gives me updates of suspicious activity.. 

Professional Debt Mediation , Inc Purposely added more debt when they agreed to reduce the debt to agreed settlement amount.. they did this in retaliation for me contacting the cfpb because I filed a complaint about the unprofessional conduct of the debt agency.. they are upset because I became insulted by there poor choice of words.. Im not married there was no reason for the person to utilize abuse to satisfy a debt by call me XXXX XXXX instead of Mr.Rogers There is a big difference in the two abbreviations.. the person understood clearly who they were speaking to.. The lgbt community gets respect when called for.. so I refuse to let someone insult me with spiteful confusion. 

The law states this is a violation : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 


So there was no reason to furnish the account after we have agreed in writing that the reduce debt amount is reduced to roughly 2000 however after they found out I filed a complaint because I was offended of the choice of words.. the company furnished the account in hopes to destroy the credit report even further. 

They were supposed to update the debt balance correctly with the adjusted balance. 

Instead they chose to inflict more frustration or emotional distress. 

I currently have a XXXX and I am limited to activities until I heal from my injuries.. I am trying to work with the company as there is proof of the company negotiating debt.. why are they using deception to force me to pay in full? 


What type of problems will this complaint create for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Kohls sent me messaging stating that to not have my Kohl 's Charge Card be transferred to a Capital One Credit Card, I needed to call a phone number and opt out. I opted out via their process via the date required. I had a XXXX dollar balance upon the time that I opted out and maintained a XXXX dollar balance through the process. The issue is now Capital One went ahead and opened the account, and is sending me billing statements for an account that I have already opted out of. I also did not approve of my information being shared with Capital One and they now have my social security, etc information that was given to them by Kohls. Kohls should have just closed my account by the opt out deadline and not shared my information and Capital One should have never opened the account fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Financial digital crimes lately with my personal checking/saving and business bank of America accounts , claims closed and denied

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Asked to fixed the late payments they messed up They keep switching the dates of late payments

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 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hoping that someone can help me get a resolution because all parties are pointing to each other as the " person '' who should help. 

In XX/XX/XXXX- a levy was placed on my Chase Bank account by the attorneys for XXXX XXXX. The account contained approximately {$390.00}. 

In XX/XX/XXXX- The debt was paid in full to the attorneys, In XX/XX/XXXX- the attorneys filed a Warrant of Satisfaction with the Courts. But the hold on the account was never released. The contacted the attorneys who said that the " ball '' was in the Court 's and Chase 's " court ''. 

In XX/XX/XXXX- I contacted XXXX XXXX, court officer, to explain the issue advising that the attorney told me that the court would need to send something to Chase letting them know that the debt was satisfied. Never heard back. 

I then suffered the loss of my husband and three family members due to XXXX and a near death experience requiring me to be hospitalized for several weeks. 

In XX/XX/XXXX, I contacted Chase and was told that the courts never sent them anything and that if I could get a copy of the warrant of satisfaction, my account would be released within two to three days. I contacted the court, got a copy of the warrant and faxed it over. I called a few times and was told once that it takes two to three days, and another time that it could take a few weeks. No one told me that the document was insufficient. 

In XX/XX/XXXX, I reached out again and was told that the Chase rep I spoke to in XX/XX/XXXX was mistaken and that the document I sent them was not enough to get the account released because it was not addressed specifically to Chase. They suggested that I contact the attorney. 

The attorney suggested I contact the court. The court said that what they supplied was enough and I should contact the bank. I filed a complaint with Chase and was told by letter that " they will require either a court order signed by the judge, or a release letter from the court officer to release the hold on the account. To try to reach an agreement or settlement to have the hold removed, you can contact the Court Officer XXXX XXXX... .. '' The letter then advised that the information I provided to them is addressed to the Clerk of the Court , which is why they can not accept it as a valid release. 

Meanwhile, my account has been charged with $ 12 monthly service fees for a situation that is not my fault. I just want the account closed at this point, but everyone is passing the buck. I'm not sure why I'm doing all the legwork- when no legwork was required from me when the lien was placed. 

I'm hoping that the CFPB can assist. If for no other reason, as a means to get Chase to review their policies and to better train their representatives on how to explain processes.

Company response to consumer: Closed with monetary relief