vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was receiving a cash advance from my wife thru XXXX XXXX to my personal checking account # XXXX the amount was {$100.00} on the XX/XX/. I instead of being charge the fee of a XXXX if done instantly i decide to allow for the 3 day wait and it would be deposited into my personal om Wednesday on XX/XX/ at approximately XXXX XXXX XXXX XXXX When i checking for the funds to see if they were in my account they were .They were not instead put in my old Business Acct. i see my old business account on my Capitalone bank app that was closed by Capitalone some time ago because there was a dispute on overdraft charges that was not notify are expanded to me. I requested a statement of the charges that i never received instead a letter just saying i owe them {$400.00} and change. But the funds were not sent to my personal account but to my closed business account # XXXX. From there Capitalone transfer the funds that were intended to the personal checking account. To the closed business account and seized by Capitalone. They are calling it right of offset debit on the old business acct. I feel they had not right to diverted from one acct in good standing to another. That is misappropriation of funds and thief! The try to call them to resolve to correct the matter they investigated it and said they would issue a refund which never happened til this day XXXX I have try to call the charge back dept with no success other then them saying they don't why it hasn't been refunded yet. But they could request for another refund but it would take another 2 business days.This has been going on since the XX/XX/ eleven days not counting weekend.I have evidence showing the funds in the Business acct. My personal account is in good standing. They are giving me the run around of this refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I have contacted this agency multiple times. I have sent letters and I have called. I asked them to send me an Invoice and they have yet to send me an invoice. It has been more than 30 days since I have first attempted to learn about the debt. I never received a letter or even a call about this debt. I found out through my XXXX account that I had this collection. The company is Central States Recovery in XXXX Kansas. When I called them the lady did not have any idea what the debt was for and told me she had to get a hold of the location and ask for an invoice and said it would take more time, even after I sent letters and called multiple times. I do not think I should be waiting this long to hear back or to even get an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
University XXXX XXXX XXXX XXXX Maine is mis-reporting accounts on my credit file. They reported a Foreclosure with a date of XX/XX/XXXX, when in fact the agreed to judgment was and foreclosure order signed by the judge in XXXX of XXXX. In addition, a home equity line shows as XXXX past due in XX/XX/XXXX, when it was charged off and rolled into the foreclosure agreement that was ordered in the court in XX/XX/XXXX. 

They are also reporting a business account of my ex-husband 's on my credit report, which currently reporting a balance of {$80000.00}. Not only is this a business account of my ex-husband 's, the balance is also incorrect- it was charged off for {$5000.00} and shows a past due balance of {$8000.00}, not {$80000.00}. 

The credit union has refused any attempts to correct this information. I have disputed the information with Experian and they keep telling Experian the information is correct. I contacted the University Credit Union lawyer, and he maintains they can not do anything. I am beyond frustrated at the lack of response.

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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: FL

Complaint narrative:
Received a call on XXXX XX/XX/XXXX from an agent from XXXX XXXX XXXX, a debt collector, claiming that I owed {$810.00} for a " Flexshopper '' account that was charged off in XX/XX/XXXX and now owned by a company called XXXX XXXX XXXX. I stated to the agent that the debt was not mine and stated that I needed a debt verification as the agent could not even tell me what address I was living at during the time this debt or account was supposedly applied for. I have not received any documentation from the company other than a standard debt letter which I am also taking action to dispute ( see attached ) and request all documentation on this account such as completed applications forms or promissory notes, emails and email addresses, addresses, phone numbers, names, SSN # s, etc. It is also suspect that out of the blue, a debt collector would try to collect on debt that is at least 3-4 years old ( based on the phone call and letter I received ) as I have never been contacted about this account previously. XXXX XXXX XXXX XXXX reveals very little as I could find any contact information or website for them except that it is a foreign limited liability company and appears to have been incorporated in multiple states throughout the XXXX calendar year. I believe that XXXX XXXX XXXX is running a scam where they may take fraudulent or time barred debt and misrepresent it to debt collectors as " owed '' and debt collectors attempt to collect the debt without confirming the validity of the debt. This an evil practice that preys upon vulnerable people to take what may be the last dollars in their bank account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
my mortgage is with Rocket mortgage in XXXX, I scheduled two ( 2 ) payments in XXXX of XXXX on ( 2 ) different accounts. One ( 1 ) went through and the other did not because the withdrew on the wrong account. I placed many calls and explained their mistake to a XXXX member, causing overdraft fee from my bank and their company. All I asked for was reimbursement for the fees that were not my fault. They can not do so, so I told them I would not make the XXXX payment until they do. This resulted in nasty letters and representative show up at my doorstep to see if I still lived there. I would like to know how to stop this harassment. I'm willing to make XXXX payment, they took the XXXX payment with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Southwest Airline 's website has a XXXX points after {$3000.00} of purchases within 3 months of opening a credit card promotion. On XX/XX/22, I applied for what I thought what that promotion. However, I applied as part of a purchase of airline tickets. I needed XXXX extra points ( I am a Rapids Rewards member and had enough points to cover the flight except for those ) so I bought those points. At that time, Southwest 's site asked me if I wanted to apply for a credit card ( it is a Chase card ) with a {$200.00} credit on my bill with the application. I assumed the promotions were one and the same - there was no explanation provided on the website that there were different promotions being offered at the same time- so I applied. 

I was approved for the card and received the card yesterday, Ironically, I also received a promotional mailer from Southwest the same day for the XXXX points promotion. There was nothing in the information I received with my card about the XXXX points promotion, so I called Chase and spoke with two different customer service representatives. 

According to Chase, the card is attached to a different promotion of XXXX points after spending {$500.00}. I called Southwest and spoke to three different customer service representatives. According to them, there is literally nothing they can do ; that Chase is the only company that can change it. I pushed them on the fact that it is their website with the promotion and they maintain it is not their fault ; it is my fault for not realizing it was a different promotion, and that I have to work with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last XXXX I requested an investigation because I felt the item was not being reported legally. XXXX of XXXX ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation for below account! If you can not provide a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws this account must be deleted from my Equifax credit report immediately. 

XXXX. You are in violation of XXXX XXXX XXXX XXXX XXXX XXXX or personal information should not be on my report Untitled Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates
State: FL

Complaint narrative:
I had a wireless account with XXXX XXXX XXXX XXXX started in XX/XX/2022 and was cancelled end of XX/XX/2022. They misrepresented their services and their rates. Because I cancelled 3-4 day into new billing period the amount due was only supposed to be {$4.00}. I offered to pay this at time of cancellation but was told to wait for final bill. Unfortunately when the final bill arrived, the balance due was {$190.00}. This is incorrect! When I called XXXX to inquire, they told me the balance was XXXX ( XXXX ) when I proceeded to ask questions the representative was very rude and hung up on me. I am disputing this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: WI

Complaint narrative:
I am writing to you about a canceled reservation on XX/XX/2022, using my cash app debit card. We never went to the hotel due to an illness. I tried calling the cash app support team and was rudely hung up on by them for weeks. I asked to be connected to a supervisor and was denied and hung up on again and the a text message came to my phone saying that my request for my own money was denied. This kind of behavior is very disrespectful and disturbing and not a good or professional look for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I keep call and email yall bank of America XXXX is playing with my money. Lieing in coming up with stuff so I want get my account and card. And its no way they can do that to my stuff. So yall need to talk to my company and see what they up to.

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 2022-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a boat from XXXX located in XXXX, NC in XX/XX/2020. I financed it through BB & T which was later renamed or bought out by Truist. The loan number is XXXX. The loan has been paid off but I have not received the title. I contacted the bank and they are giving me the run around about contacting different division. So, in all, I have completed my financial obligations with them yet they have not provided me with proof of ownership for the boat.

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 2022-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There are 5 complaints in reference to Bank of America and the servicing of our Loan. Bank of America seems to have found a way to go around the system without answering Complaints. First they acknowledge the complaint is there. Then they tell CFPB we are going to send you a letter on how we will handle this situation. That never take place, but they do give you a telephone number to tell the customer to call this number XXXX ext. XXXX. Then they Close the complaint. Once it's Close you can't re-open it. 
So your situation never get resolve and Bank of America continue with there Bank Fraud!!! There excuse is we don't want to publish our resolution

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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
XXXX has had another debt collection company attempt to collect from an account that is not mine, and I am assuming is a result of identity theft. I have tried to get in touch with XXXX 's fraud division about the fraud email packet I sent, to get them to fix this consistent error, and I have been rudely reject directly from the company several times by phone ( kind of as if that department doesn't exist ). 

This has been an issue since the earlier half of 2022 ( XXXX ). The first collection company I had to dispute was XXXX XXXX. This time it's Enhanced Recovery Co for the same amount, but I do not know the finer details such as the full account number in question. I have never heard of this company before my credit report being flagged for collections as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I have been working with XXXX XXXX XXXX XXXX XXXX since XX/XX/2022 to pay my debts.I 'm on Social Security XXXX and ran into some problems financially, this XXXXXXXX XXXX has been receiving payments monthly since XXXX granted they are late I do not get paid until the XXXX monthly from Social Security. And the funds go through XXXX XXXX, then sent onto Fortiva. I contacted XXXXXXXX XXXX XXXX to ask for a date change for my payments so they aren't late anymore ( to stop their late fees and over the limit fees ) they refused. This account will never get caught up if they do not help with changing the payment dates, and refunding of late fees, and over limit fees, ( over limit fees that they created by changing me late payment charges ). I can NOT change my pay date it's straight across the board from the Government! They also refused to offer any hardship payment plan to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint about XXXX XXXX XXXX showing a late payment on my Experian Credit Report. I received notice that XXXX said they are submitting the correct information and are not showing any late payments. Experian says they are reporting the information they received. Regardless, today I received notice that Experian has resolved the dispute and deleted XXXX XXXX XXXX XXXX from my account. I DID NOT DISPUTE THIS ACCOUNT, AS IT IS A NEW AUTO LOAN. I did dispute XXXX, please correct the deletion of a perfectly legitimate account that I did not dispute. XXXX  XXXX acknowledges the account, as do XXXX and 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 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company 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 2022-11-29 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: PA

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MI

Complaint narrative:
Received an unsolicited debit card from Netspend in the mail on XX/XX/2022. I have no dealings with this company. If the mail were intercepted it could have been activated by someone else without my knowledge.

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