vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
This is a formal complaint against Capital Accounts located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Capital Accounts has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
My complaint is regarding the misapplication of my mortgage payment thereby causing late payments being reflected on my record and harassing telephone calls in an attempt to collect payments and late fees. 
Upon closing my home purchase I received preaddressed mortgage payment slips. The slips were made out to Mortgage Research Center , LLC dba Veterans United Home Loans. My mortgage payments were sent via XXXX XXXX bill pay system and shows the below listed information. Payments were cashed or acknowledged by Mortgage Research Center. 

a. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 b. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 c. Sent XX/XX/2021 expected delivery XX/XX/2021 cleared XX/XX/2021 XXXX XXXX has payments received : XX/XX/XXXX, XX/XX/XXXX and XXXX not received as of XX/XX/2021. 

Approximately XX/XX/2021 I received a letter from XXXX XXXX aka XXXX XXXX that indicated future payments should be made to them. I telephoned XXXX XXXX to confirm the authenticity of the letter and was immediately confronted with questions regarding late payments and penalty fees. I began making inquiries with Veterans United and XXXX XXXX to ascertain why I should be penalized for late payments and have it reflected on my pay history. 

After a number of telephone calls and answering redundant repetitive questions from recordings and reception people I was referred to someone from Customer Service. I was advised by Veterans United Customer Service representatives that " everything '' was taken care of and my pay record would be reflected as timely. For the last couple weeks I received daily telephone calls and messages from XXXX XXXX in their attempt to collect XX/XX/2021 payment which was yet to be received ( XX/XX/2021 ). Thus far I am charged with {$92.00} in late fees and have 3 months late mortgage payments. As of that date they advised me that my record stills show the late payment and no payment for XX/XX/2021. 

NOTE : I have bank statements that show the itemized information above. The documents could not be attached to this report.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: OK

Complaint narrative:
There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. 
Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). 

It has been more than 10 business days and I havent received any provisional credit or any type of resolution. 

I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. 
This company is violating Regulation E

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 2021-04-23 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: FL

Complaint narrative:
My complaint is with chase bank. 

I recently called customer service to start a fraud claim. When I created the claim it took forever, Im not sure the representative understood what I was needing. I ended up calling chase bank back asking for the case to be closed. I was advised the claim process would take 3-5 business days.

The expectation set was incorrect. When I called back a manager then explained to me itll take 3-5 business days for chase to take their funds from my account and itll take up to 30 days before I received a refund.

It took me multiple times to get to a manager as my calls were disco each time I asked to speak to a manager. It all started with a phone representative names XXXX. When I got to a manager I told him about my experience and he could care less. 

I was in tears by the end of the call I was so frustrated I didnt even know if my claim was filed. I was crying and still being told I had to pay {$5.00} for them to rush a card to an alternate address. 

I was told I had to go into a chase bank to activate my card since the pin would be sent to my physical address not the alternate address I just requested. 

I live in the middle of nowhere I just moved to Michigan. I drove to the bank to activate my card. Was told by the rep it was activated, I then went to go buy breakfast and the card was mot activated. I then had to drive back to the back to again activate the card. 

I have made multiple complaints and have not been contacted. Chase has no corporate email and each time I asked to be routed to someone in charge I get the run around. I have not been contacted about any of the complaints the managers said they submit. 

I have written to chase customer support on XXXX and they were no help. 

Chase has no way to reach out to corporate. Chase is not solution oriented. Chases phone customer service is a nightmare. Chase has no integrity or regard for their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECK INTO CASH INC.
State: LA

Complaint narrative:
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian removed a bankruptcy record from my report because it was inaccurate and unverified. 

There are three accounts that reflect comments associated with this said inaccurate and unverified bankruptcy. 

Those comments and negative payment errors need to be removed. Experian just added that information back to my comment. Its incorrect and needs to be removed immediately. They continue to removed and re-add false inaccurate information. 

This is illegal and its tiring to have to continue to call, dispute and file complaints.

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 2021-04-23 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 — Was not notified of investigation status or results
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I have been fighting with California Business Bureau for some time now. There is a collection for XXXX XXXX XXXX XXXX. I call them to settle this on my credit report it shows {$540.00} then they tell me it {$900.00} ARE YOU KIDDING ME. Then am told that they will only deleted it if I paid in full. This is insane that the credit report said one thing then when you call it XXXX dollars more. I feel they are just tryin to get more money from me. I am willing to settle on the {$540.00} with a deletion since this is old and almost to the 7 years past stats. I do not feel that this is an unreasonable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banks XX/XX/XXXX XXXX AUTO FINANCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.

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 2021-04-23 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: FL

Complaint narrative:
ON XX/XX/21 I sent a letter to the three credit bureaus in regards to negative accounts that are incorrect and I asked them to investigate and respond to me and they have not. 

these are the accounts I asked them to look into. 

1. XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 2. XXXX ACCOUNT NUMBER : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX 4.XXXX XXXX ACCOUNT NUMBER : XXXX 5. XXXX XXXX ACCOUNT NUMBER : XXXX 6. XXXX XXXX ACCOUNT NUMBER : XXXX 7. XXXX XXXX ACCOUNT NUMBER : XXXX 8. XXXX XXXX ACCOUNT NUMBER : XXXX 9. XXXX XXXX ACCOUNT NUMBER : XXXX 10. XXXX XXXX ACCOUNT NUMBER : 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 2021-04-23 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: Luckmore Finance
State: LA

Complaint narrative:
Luckmore Finance Corporation has ran several hard inquiries unlawfully from one or more credit bureaus. I have never solicited services or had any contact with is organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: OH

Complaint narrative:
On XX/XX/2021 I sent Second round Sub LLC a debt validation letter. They received the letter on XX/XX/21. On XX/XX/21 they sent me a buckle bill. On XX/XX/21 I sent a failure to validate letter and they received it on XX/XX/21. They are still suing me and reporting a debt damaging my character.I emailed XXXX XXXX at XXXX XXXX to try to resolve the matter for XXXX $ but I noted that this is not me acknowledging or accepting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: DISCOVER BANK
State: AR

Complaint narrative:
I have call XXXX, XXXX  and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is not complaint but plea for help by waving interest fees I have a Best Buy account thru Citi Bank, I have made promotional purchases before the Covid pandemic hit the US. I do XXXX XXXX XXXX, since there were no events for more than a year now I have not worked. During that time I and also i have become XXXX and had a back XXXX. Right now I am on SS assistance, I would like to ask XXXX to take off the finance charges and not to apply new promotional interest charges, so I can pay back the amounts i owe for purchases with out going delinquent on this 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 2021-04-23 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: Westlake Services, LLC
State: CA

Complaint narrative:
My XXXX  credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.

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 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/21 someone called my from the bank 's member service number claiming to be from the fraud department. This person gained access to my account and made unauthorized transactions on my account. I immediately called CHIME that day explaining what had happened they disabled my account until XX/XX/21 and I submitted my disputes for the payments that were unauthorized. The bank is telling me I have to wait until XX/XX/XXXX to maybe receive a provisional credit to my account. This is frustrating because Ive spoke with numerous representatives from chime who claimed that they were working on figuring out how scammers were using their number. It's been over a week and I am still fighting to get my money back and chime acts like they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited {$620.00} cash into Suntrust checking account on XX/XX/2021at XXXX and the money was made available right away and I could see it in my online banking. Today, XX/XX/XXXX I attempted to access my online banking and the account was locked. After calling the customer service number I was instructed to go to the branch and was told my deposit didn't show up in their systems. When at the branch, I was told that they made a business decision to close my account, and that they couldn't see where I made any deposit into my account. They said my balance at closure was {$100.00} and not {$720.00}. The branch banker said I'd receive a check for {$100.00}. I was instructed to visit the branch where I made the deposit and they could fix the problem. After visiting the branch where I made the ATM deposit, they told me there was nothing they could do and I had to call the customer service number. After calling the customer service number again, they claimed they filed a dispute, but gave no timeframe for the dispute, and no timeframe as to when I would see the total account balance refunded to me. I am now in a situation where rent is due in 7 days and I need access to the cash I deposited in my account. I shouldn't have to wait for a check when this wasn't my fault to begin with.

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 2021-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I started receiving collections calls from XXXX  XXXX stating my payment was overdue for the month of XX/XX/2021. I made a payment on XX/XX/2021 and my due date was XX/XX/2021. My payment has not been returned to my bank. I called into Aspire and spoke with the supervisor on XX/XX/2021 at XXXX XXXX  eastern standard time and my issue has still not been resolved. Aspire has the WORST customer service ever. I will pay this credit card off and close this account it is not worth the headache to deal with this company. I would like to request that this company closes my account and I will continue to make payments until this account is paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation