vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: CT

Complaint narrative:
We recently purchased our home. XXXX XXXX is the mortgage holder. XXXX XXXX apparently sold the loan to Arvest. The sale of the loan, we are told, closes on XX/XX/2023 ; however, and for the past two weeks, both of the Lenders have reported the same loan to all three credit agencies. We have only one loan! We have tried to get this addressed and rectified ; however, we have been told essentially that " too bad '' and it will get fixed at some time in the future. This is entirely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are several inaccuracies being reported on this account throughout all the credit bureaus. 

I have attached my most recent credit report for your reference. 

Please correct this and remove from my credit file. 

Account status Date opened High Credit Date last reported Date last active XXXX is still showing payment history past date of last active, how?

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 2023-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My issue is related to the CARES Act payment pause. I have a series of federal student loans, which were under the XXXX plan. I decided to make voluntary payments ( one as a direct transfer on XX/XX/XXXX and the other as a private student loan refinance on XX/XX/XXXX ) i during the pause. However, my financial situation has changed. I have requested a refund of those payments, as allowed by the CARES Act and regulations, so that I can return to my XXXX repayment plan with reinstatement of my federal loans prior to these payments. MOHELA has started the process on the payment made directly on XX/XX/XXXX ( based on a phone conversation with them on XX/XX/XXXX ), but they have provided confusing and mixed advice about the payment made on my behalf by the private student loan folks. I have attached their email messages for review. The first ( XX/XX/XXXX ) said that they thought it was handled already ( which it was not ). The second message ( XX/XX/XXXX ) said that private loans are not eligible for a refund. I agree with this part. However, the payment pause is a different and unique situation. The private student loan refinance payment was a payment made on my behalf during the payment pause, and I am asking for the refund of that payment and reinstatement of my federal loan package. As soon as I receive this refund, then I can pay off the private loan with the proceeds. The third message ( XX/XX/XXXX ) then stated that I'm not eligible for a refund of that payment because it was made before a consolidation/refinance. " If you consolidated your loans, you can't get refunds on payments you made before consolidating. '' However, this guidance applies to loans that were consolidated on a federal basis ( see attached reference ). Analysis from outside student loan advocacy groups suggests that payments made on behalf of borrowers are eligible for refund of payments during the pause ( see attached reference ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C.
State: AZ

Complaint narrative:
This company is trying to collect for the insurance company XXXX. I sold a vehicle and 6 months later the new owner was involved in a hit and run accident. XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with XXXX and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of XXXX trying to collect a debt I don't have anything to do with? The current collection agency is Wilber & Associates, P.C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid the balance of the card less credits expected from Citibank as a result of interest and fee reversals that were pending. I received a collection call 90 days after this payment stating that I had a balance of {$37.00}. Confused, I contacted Citi and reviewed my statement. I was told that I did not pay the the balance of the account in XXXX and therefore the {$9.00} remaining balance plus {$9.00} interest was outstanding and that resulted in a an {$18.00} late fee. My concern is that I paid the amount advised by the Citi bank representative to bring my account balance to XXXX. After speaking with a representative today I was told that the amount provided by the rep in XXXX is an estimate and may not include interest or fees. My concern is this miscalculation by the CitiBank Rep resulted in an additional {$9.00} in interest and nearly {$20.00} in fees. The erroneous charges as a result of their customers service representative miscalculation is very predatory. I attempted to escalate the matter and was told they can not reverse the fees.

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 2023-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX XXXX I have two card. 
XXXX ) Best Buy Citi XXXX XXXX XXXX XXXX XXXX ) Citi / XXXX XXXX XXXXXXXX XXXX XXXX XXXX I need to know why this inquiry still open or if it possible to closed Thank you My Best Regard 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 2023-08-26 00:00:00
Product: Credit reporting 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: OH

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 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

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 2023-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Hello I deal with a company that exports vehicles to other countries, and this company deals with Western Union business solutions to receive their international transfers. 

The amount that is transferred is XXXX XXXX to Western Union business solutions and a month passed, and they did not deliver the amount to the final beneficiary as they described. The final beneficiary is XXXXXXXX XXXX 

*The name of the account I transferred to is/ Western union business solutions *The transferred account number / XXXX The Date of the transfer / XX/XX/2023 *Bank name/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hello, on my last credit card statement from HSBC Bank I saw two charges called " FOREIGN EXCHANGE ADJUSTMENT ''. I called the bank to ask what these were. The customer service representative told me that this was an " adjustment '' for the transaction ( s ) that I conducted outside the US " last year ''. He was unable to tell me specifically what transactions have been " adjusted '', what were the dates of transactions and why the original charge was incorrect. 
With such attitude/approach, the bank can charge any amount of money " out of the blue '' without explaining the basis for the charges. I find it unacceptable. 
Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC bank ( previously BBVA ) has been giving me a hard time with my business credit card since the opening of my account in XXXX. When BBVA turned into PNC, I was not able to access my account via the mobile app. So I decided to pay off the credit card and close the account. I paid off my credit card in XX/XX/XXXX. As told by one of their representatives, the account should have been closed after that payment. According to the representative I spoke with on XX/XX/XXXX, the account was closed but there is still a balance of {$10.00} that I was not informed of. I would like the company to waive that amount and close the account/claim for good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I applied for Destiny Card. About 2-3 months ago. It was declined because the XXXX or XXXX report was locked. I applied because it was recommended card. I had called the Destiny Card people 3 or 4 times and she couldn't tell me anything. I am client and user of services with XXXX XXXX XXXX. But XXXX kept giving me Same excuse. And never heard anything back about it. It's a card for people with certain credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX  account XXXX was opened. This is a fraudulent account reporting on my credit report. This account is a result of identity theft and needs to be removed from my credit report within 4 business days ( Per U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc
State: DE

Complaint narrative:
I requested a copy of my APLUS Verisk report and upon receipt I noticed a claim and policy listed that I had no knowledge of. On XX/XX/XXXX I sent a letter which they received asking for the inaccurate information to be investigated and validated. I also asked for the method of verification and to send any documents used to verify that information. They failed to do so. On XX/XX/XXXX I sent in another letter once again asking for validation and proof that information was in fact accurate and had any association with me and they once again failed to do so, but continue to report this false item on my report. PLEASE SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans in my name and left me with over {$30000.00} of debt. I currently have several collection agencies trying to get money from me and my credit score is horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till XXXX  woow. also BEST BUY ACCOUNT AND MACYS CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please

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 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc
State: MI

Complaint narrative:
I recieved a letter claiming they were trying to identify if I was a certain XXXX XXXX for a debt. I sent the letter back with my reply of no, not who you are looking for and a stop contacting instructions. They then started a phone calling campaign, I again instructed them not to call me period, they keep claiming until they can verify if I'm the right person they will continue to call. Keep calling trying to get me to give them my personnel information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I want the missed payments removed from my credit history. From the XXXX XXXX XXXX I paid all late fees but simply fell behind in payments due to Covid-19. I lost my job and had no source of income. I contacted Capitol one and discuss my situation due to the pandemic and was insured they will have a system in place for late payments due to the pandemic. I was locked out of my account after a few missed payments. I have XXXX debt with capital one and caught up on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I deposited my Bfs XXXX Tax Return check into my Chase account on JXX/XX/XXXX after speaking with the teller and she informed us that we could do a 3rd party deposit. After depositing, they put a 7 business day hold on it which was set to expire on XX/XX/XXXX. We go to bank the following day and speak to the same teller, she said they need to verify my BF authorized me to deposit his check into my account, though we were together at the bank initially. So she called I suppose the fraud department, and after a few minutes the teller asked for his phone number so they could call my Bfs phone and verify he authorized me to deposit his check. After the 7 day hold was up, they didn't release the money, so we went to the bank and spoke to the manager, they said someone decided they need a different number to verify me with. 3 days later they close my account, mailed me a check for some money that was already in the account, but they are withholding his refund check of {$4300.00} still in some limbo account. He even went and got a new, post paid XXXX account in his name, yet still can't get past verification. They refuse to allow him to get his money or return the check or anything because a phone number verification nobody has control over. We've gone in together with IDs, is a US Treasury check, and been cleared a month now. We even have gone into the branch with the IRS on the phone. Just need the money released. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NV

Complaint narrative:
Secured credit card account was paid off, then closed by the company. The balance of {$1000.00} is due to me the consumer since this account was secured. Credit Cards should NEVER be closed.

( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.

( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.

Company response to consumer: Closed with explanation