vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a conversation in XXXX of XXXX where I contacted XXXX and XXXX after repeated phone calls. On a recorded line I told them I was willing to set up a payment arrangement to resolve the debt. I was told that there was a garnishment action with an upcoming court date in XXXX XXXX, Virginia and that the court date was for the creditor and judge and I was not authorized to attend the court proceeding. I was told the hearing was not for me and was between the creditor and judge. ( There is a recorded phone call of this and notes from this conversation in their date base ). I was told to call back in XXXX of XXXX and set up a payment arrangement. I called back in XXXX of XXXX and left multiple voicemail messages and did not receive a call back. 

The garnishment suit in XXXX XXXX, Virginia was dismissed. Subsequently. in XXXX of XXXX my account with XXXX XXXX Bank was garnished for {$2300.00} without me having any notice of legal proceedings against me in XXXX, Virginia. I received no notice of a court proceeding. 

They have phone records of the XX/XX/XXXX phone call and notes from this conversation. The notes were read back to me on XX/XX/XXXX by a representative XXXX XXXX. When I raised the legal issues with XXXX XXXX, I was placed on a phone call with an attorney XXXX who I spoke to for over an hour. I was told that under the Virginia code that I didn't have to actually receive notice and that my bank account being garnished was " notice enough ''. I raised the issue of this garnishment action violating my due process rights and was told my due process was not violated. 

When I continued to raise the issue that I would have attended a court hearing in XXXX XXXX, I was told " well this was dismissed '' and it " does not matter. '' My overall point was that I could have resolved this a year ago and not had my bank funds seized as a father of XXXX taking care of XXXX kids. As the call ended, I was told " I am not sweating as much as you think I am. And I hope you are able to have a good day. '' in a very condescending tone. 

This whole matter could have been resolved 10 months ago, the initial case in XXXX XXXX was dismissed. I was provided legal advice by a representative of XXXX and XXXX not to attend a hearing and had my bank account garnished without justification. XXXX and XXXX is a law firm that specializes in legal matters beyond debt collection as displayed on their web site. They provided me legal advice that has created an adverse impact on 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was charged a overdraft fee of {$35.00} and the transaction was still declined

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I tried to deposit a check of {$3200.00} that I received from work with my bank ( JPmorgan Chase bank ) and they have restricted my account and threatened to lock the account in 7-10 days. They keep asking me stupid questions and I tell them that the check is a check I received from work, they say they cant reach the company that issued the check, so I reached out to the company and they said the check was cleared and do not understand why Im having the issue with my bank. I was on the phone yesterday ( XX/XX/2023 ) for close to 6 hours calling multiple times and no one is able to help me. I have no access to my funds that were in there even before I tried to deposit the check and I find it so ridiculous that theyre making a consumer go through so much back and forth phone calls to resolve something they should be able to do as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: I.C. System, Inc.
State: TX

Complaint narrative:
I reported a dispute with XXXX 3 times showing payment of a collection back in XXXX. The account shows it was started 2 /3 months after I paid I c systems. And they still didnt update and close the account but keep saying that the information the company keeps reporting is accurate.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account is closed and card company still showing balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoandDepot, LLC reported negative credits for both of my mortgage accounts ( loans # XXXX and XXXX ) since XX/XX/2023, while I was in the review process of loss mitigation applications. I applied for loss mitigation application for six other mortgages from other mortgage companies, none of which shows any negative reporting in my credit history ( see attached of credit reports from XXXX, XXXX and XXXX ). I was approved for mortgage forbearance for both accounts in XXXX and XXXX, but the negative credit reporting is still being reported by LoanDepotLLC. I asked to have the negative reporting reverse, but it was rejected ( See attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
On XX/XX/2022 a company named Fair Collections & Outsourcing claimed I owe them {$15000.00} and it was added to all 3 of my major credit reports. XXXX, XXXX, & XXXX. They claim is it debt from past due rent. This is false. Ive never been late or delinquent with rent in my life. I filed a dispute with the 3 bureaus listed above and they did not remove this fraud. Please 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 explanation
Consumer complaint received 2023-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Paid my Credit Card Bill on XXXX for XXXX it was due on XXXX. I paid it on line through my checking account I have with Chase Bank. Transaction went through on XXXX. When you hit make a payment they only give you one option. Pay with XXXX. So I used it thinking it would go through as it was a direct payment from my Chase Account to Chase, no third parties involved. I double checked it went through it posted to my account on XXXXSo then I get a bill in the mail for XXXX. They said it was late charged me a XXXX late fee which is 58 % on the original bill I owed which is ridiculous also .80 interest. I think this is a scam to make your payments late as they do not give you any other options to pay your bill. I never even use this card except for once a year to pay for on line security. I called Chase at the number listed on my new bill and spoke to a representative I explained my situation he said too bad were not taking it off. So I cancelled the card and will be closing all my accounts with Chase. Sorry XXXX. This is a scam just like XXXX XXXX and XXXX. Check my credit I have a perfect payment history now XXXX wants to ruin that too!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A quick background on me : my wife and I are near retirement age. We each have credit scores of over 800. We ALWAYS pay our XXXX credit card bills each month. We own our house. We are very secure financially. 

So why do I write this letter? To call out a large financial institution that chooses to work against the best interest of their customers. 

Here 's what happened : Two years ago I went into overdraft on my Citibank Checking " Plus '' account. I believe this overdraft occured when I moved money into my son 's college account. I'm guessing the account was in deficit for less than XXXX XXXX 

Here 's my problem : I believe that Citibank uses a highly suspect business practice. Even when my account bounced back into positive territory a day or so later ( and averaged approximately {$20000.00} for many years ), the bank chose not to notify me in a meaningful way. They chose to gamely take my money, {$1400.00} in interest, for over two years. And they would still be charging me interest if I didn't happen to stumble upon this outstanding debt. 

My question is : WHY ISN'T THE CONSUMER NOTIFIED WHEN INTEREST IS ACCRUING AGAINST THEM? Credit card and mortgage statements are very clear about notifying the customer, giving them options for payment. Why should CITI get a free pass here? Shouldn't the consumer ALWAYS be notified if they're in arrears? When I say " notify, '' this means a SPECIFIC notification, not just a monthly statement with interest accruing charges unseen by me for 2 years. 

When I wrote CITI 's corporate headquarters, they 1 ) flatly refused to discuss any compromise or refund, and 2 ) muddied the waters by denying that this practice was " discriminatory. '' ( Very strange - I never accused them of discriminating against me. ) What they pointed me to was a single line item, " Checking Plus '', at the VERY bottom of my home landing page. Well, I NEVER look at this remote place online. When I go online to my CITI account, I see my account at the top, and I click on it to do my online bill paying, etc. I don't scroll down to a line item ( that I didn't even know I had! ) Why can't they be required to notify their customers that they're in arrears on overdraft interest? Why can't a letter or email go out? Why can't a banner appear at the top of the online account page? Why not a message alert? I think I know why, it would lose this megabank lots of easy money! 

I ask that the CFPB do a deep dive into CITI 's overdraft policies. I believe they are designed to reap a steady flow of well-disguised interest charges from unsuspecting customers. 

Thank you very much. 

XXXX 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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I received a settlement offer from XXXX XXXX. They said that they will accept {$7300.00} as a settlement. XXXX XXXX said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and XXXX XXXX is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2023, I received an email from Bank of America that an application for a new bank account was being processes. A few minutes later another email came thru stating the account was approved. I contacted BOA the same day to inform them that I did not apply to open an account. After the phone call I was instructed to go into a branch to file a fraud report because I was not comfortable giving my information over the phone. I filed a fraud report inside the branch and received an affidavit a few days letter to fill out. I had to submit copies of my social security card, drivers license, and a utility bill to prove who I was. I had several phone conversations during the weeks to make sure they had all information needed to close that account. On XX/XX/2023 I received and email stating that the account was closed. I also received a letter as confirmation. My issue with this is I have a freeze on my social security number due to previous fraudulent activity. I checked my credit report and I did not see any inquiries from Bank of America which should have occurred if someone applies for credit. Even if they inquired, I have a freeze on my social security number so it would be blocked. I believe Bank of America opened this account without my knowledge. I want to file a complaint to uncover how this account was opened and if Bank of America did in fact open this account and put me through drastic lengths to close an account that they opened fraudulently. 
I found this very disturbing that someone can open an account online with my information with ease but I have to go through drastic lengths to prove who I am even while being physically inside a branch with my identification.

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 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been requesting Bank of America remove PMI from my account for over 5 years. 

I was told my account was eligible but the letter stated Bank of America needs a property valuation with a fee of {$100.00}. 

I paid to overnight a check in the amount of {$100.00}. On XX/XX/2023 I called Bank of America about PMI removal and spoke to someone named XXXX in PMI department. 

To my surprise He advised that regardless of what the original letter statedit was no longer valid because it had been more than 30 days. 

No where in that original letter does it state This letter is valid for 30 days. Or the customer must send the payment no later than 30 days. 

This is unfair to consumers and should have been disclosed. It appears now the process will be delayed once again. 

How much money is Bank of America making by holding these PMI payments for years by setting up these road blocks and delays to avoid deleting PMI.

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 2023-07-13 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: AL

Complaint narrative:
Transunion failed to conduct a reasonable complete investigation on a account that's not 100 % correct. They cant complete a investigation because the furnisher is not participating which means this account is being reported inaccurate.

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 2023-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you.

I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.

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