vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$1800.00} at Bank of America ( XXXX XXXX XXXX XXXX XXXX, WA, XXXX, United States ). The next day, XX/XX/XXXX, the funds were made available in my account and the status of the check read, and still reads, " Cleared. '' This check was for services I was to provide to a client, but the client cancelled our business arrangement and asked me to return the funds to him via XXXX. Once the check was cleared, I obliged by my client 's request and returned {$1800.00} in two installments : {$1500.00} sent on XX/XX/XXXX and {$320.00} sent on XX/XX/XXXX, with {$40.00} staying with me as payment for the inconvenience. Two days later, on XX/XX/XXXX, Bank of America withdrew {$1800.00} from my account on the grounds that the check I deposited on XX/XX/XXXX was fraudulent. The lack of communication from Bank of America about the status of the check and the use of the term " Cleared '' to describe a check that in fact had not been verified as legitimate led me to lose {$1800.00} since I would not have sent money to my client had I known the check had not been verified.

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I paid this debt 's judgment on XX/XX/22. They continued to garnish my wages and I had to wait over 30 days to receive the credit back of 4 payments. In addition, I was never sent a satisfaction of judgement. The representative tells me I can " pull '' it from the court site. I can not as I do not have a XXXX number in order to login to said court site. She sends me a screenshot where SHE can download the linked report - that is not available on my side. I repeatedly asked for a satisfaction of judgment to be sent to me, and it is now two solid months after I paid this debt. The inaction of the attorney to send me a copy of this judgment is holding up the title search of the sale of some property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/23 I was approved for a loan for {$750.00} after I had to agree to download an app and allow a representative from quick wallet to confirm my banking. We did a screen share and I made sure to change my password after we finished to be sure they couldnt go back in. I thought it was odd but the app seemed legitimate. 

I signed my documents on the phone with the representative and was told I was approved and funds would be deposited by Monday XX/XX/23. I even received a txt message which I will attach. I was told I would get an email confirmation by eod that day Friday XX/XX/23. I never received a email and went to check online my info and it wanted me to sign another loan agreement for {$400.00} and not {$750.00}. I was confused as I just signed the one for {$750.00}. I called and they told me I had done everything right and I was approved for the {$750.00} and would see it Monday the XXXX. On Saturday the XXXX I received an email and txt from my bank that I had been blocked because of too many failed attempts to log in. 

I called them and a block had been put in my card, I got it removed and updated my login ID and password again because it worried me that someone had tried to access it. I was not the one who attempted and locked myself out. I then called quick wallet and could not get a single person on the phone. I kept being routed to a recording that said I had been denied and eventually someone would be available but to leave a message if not. No one answered and no one Called me back. I also sent and email to the company via their website and nothing. There should be proof of this on their end. 

I again was locked out of my bank Monday the XXXX for again failed attempts. To me this means the company tried to access my bank account several times after we got off the phone. This is not acceptable and should be illegal! And investigated! 

I also went into the website and found all my banking info, card info and social all available and I want it removed now! I did not I guess get approved so they no longer should have access to any of my information.

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit union inadvertently overpaid my Capital One account by {$1600.00} on XX/XX/23. I contacted Capital One on XX/XX/XXXX  to request a refund and was told it would be a 5 day waiting period then 10-15 business days before I would receive the refund. The overpayment was due to a balance transfer mixup at my credit union. I called Capital One on XX/XX/23   because my account still shows a credit balance of {$1600.00}. I was told the refund hadnt been processed yet. I need to put that money back into my credit union credit card account and cant use the Capital One card because any charges will be deducted from the credit refund first! Capital One is slow rolling my refund request and theres no one else to speak to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I got a notification that my credit score had dropped significantly. I pulled my credit and noticed 2 credit cards that did not belong to me. I filed a dispute with my credit bureaus, and they determined that the credit items belong to me. I have had an amazing credit score all of my life, and these 2 items from Bank of America and XXXX XXXX ARE NOT MINE!

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 2023-02-22 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: GA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Identity theft It comes up on my credit report hurting my credit As a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.

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 2023-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
1. 
( XXXX XXXX ) account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

2. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

3. 
XXXXXXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

4. 
XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed. 

5. 


XXXX XXXX account is reporting inaccurate DATE OF LAST ACTIVITY and incorrect information on multiple accounts. I reached out to the credit bureaus and it has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] , XXXX XXXX XXXXl [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-22 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: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : 1. XXXX [ Account XXXX : XXXX ] - Experian is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX  [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] XXXX XXXXXXXX XXXX XXXX [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I used to have a payment plant that I couldn't continue with that lasted from XXXX for XXXX XXXX monthly payments. I attempted to settle with Wells Fargo Attorney with no luck. I called Wells Fargo Attorney 's office on XX/XX/XXXX @ XXXX, called back on XX/XX/XXXX, XX/XX/XXXX and there after three other times that I did not write down date or time. My work has now received wage garnishment summons without previously ever properly served or at my place of employment. This summons currently says I owe {$9600.00} plus {$35.00} sheriff 's fee. I am at a lost for words, can't sleep, I am stressing over this matter. This amount seems ridiculous as interests were 24.99 % and no minimum payment was ever going to help pay this credit card debt down. In one of my many phone calls I attempted to settle for different amounts starting @ {$3500.00} going all the way up to {$5500.00} which is more that half of this total amount. Please help. I've been hearing Wells fargo is defrauding so may people and just because they have money they continue to do so. i wage garnishment or god knows how much or let alone pay XXXX XXXXXXXX in mostly interests on this fraudulent credit card going back to early XXXX, right before Covid-19. Covid-19 impacted many of our lives and including mine, by not working for the first few weeks of this start. What should I do?

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 2023-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armada Corp.
State: WA

Complaint narrative:
One of my XXXX XXXX bills went to collection and then i found out i have 2 others in collections i never received a letter on the other 2 and i did make payments i would like to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2023, CAPITAL ONE BANK USA NA did a hard inquiry on me. I didn't apply for anything from this company. I have not applied for any credit cards or loans from any companies. I have contacted the company twice and both times was told that they didn't do any inquiries on me. Yet when I disputed this through XXXX I was told that Capital One Bank verified that the information is correct. I have also spoke to XXXX who wanted Capital One to remove the inquiry themselves. Since they keep saying they didn't do this, I can't get it rectified. 

I didn't apply for anything where a hard inquiry would need to be done on me. At this point I have contacted all of the credit bureaus and have not been able to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
I was notified by XXXX XXXX XX/XX/XXXX that a collection for {$1500.00} had been filed against me by Southwest Recovery Services. 
This was for credit card processing with XXXX XXXX XXXX. 
I was employed by XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for XXXX XXXX years and signed the contract for their service because XXXX XXXX, XXXX was out of town. I retired XX/XX/XXXX. I was never contacted by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid the charge XX/XX/XXXX. They had gone with another company and returned the equipment. This is showing as a collection on my credit report. My insurance company, XXXX XXXX, has increased my car insurance because of this. I have contacted XXXX, XXXX, Southwest Recovery Service, XXXX, and XXXX XXXX XXXX. I can not get anything done to resolve this. The collection should have been against XXXX XXXX XXXX XXXX XXXX XXXX not me.

Company response to consumer: Closed with explanation