vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT

Complaint narrative:
I believe the Citizens Bank account associated with the account ending in XXXX contains a billing error in the amount of {$3100.00} due to a mathematical error. The reason why is because I see fees & charges and down payment was not applied to my balance for the total amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I opened my account on XX/XX/XXXX under offer XXXX, which said I would earn {$300.00} if I deposited {$2000.00} or {$750.00} if I deposited {$30000.00} within 30 days and kept the funds in the account within 60 days of offer enrollment ; I also needed to complete 5 ACH deposits and withdrawals within 90 days. I brought {$30000.00} into my account on the the 30th day ( XX/XX/XXXX ) and kept that money into my account until the 61st day ( XX/XX/XXXX ). I also completed 9 ACH deposits and withdrawals within that time period. 

I only received {$300.00} on XX/XX/XXXX. I emailed support and they sent me the terms of the offer. I responded to that that I satisfied the bonus. They responded that I didn't. I responded back that I would be filing a CFPB complaint if they didn't pay the full bonus. They responded that they would like into it. 

I called their support as well. The first member said I did not satisfy the full bonus. I asked to speak to her manager. Her manager responded that I did satisfy the full bonus and that someone from the research team would reach out. They never did reach out. 

Throughout this ordeal, I have interacted with several representatives who did not understand the bonus and were trying to short change their customers. In this high interest environment, I am losing money because Chase does not understand that what they tell me does not satisfy their own terms that they told me. I would like the CFPB 's help in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I only have one name, they have several different names published that I dont own.

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 2023-10-15 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: WA

Complaint narrative:
TransUnion has listed 14 phone numbers on my credit report that I do not recognize. I requested on XX/XX/2023 to have this fraudulent information removed and they refused. Listed are the phone numbers : ( 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

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 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My daughter and I have a checking account together .my daughter got a check from a lady that needed her to send money to XXXX . 
Ps they also took my daughter 's savings account money. 


. 
.my daughter put the check in the bank by atm on XX/XX/2023 and the bank cleared it on the XXXX the bank was closed on XXXX an XXXX then we tried to get money on the XXXX they told us that the check was counterfeit.and froze our account took what money we had left from out ssa check.and said we would have to pay XXXXhowever on the XXXX our ledger says XXXX then on that same day that bank took the check and said we owe XXXXwhen all along we thought the money was good. The check was from a lawyer .that owed this money to our friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
In XX/XX/2023 I went to civil court for a furniture payment for damaged furniture that I was not able to pay for. It was dismissed immediately and it is still being reported as collections. Calvary Portfolio I Spv never even showed up in court! The continue to report negatively it needs to be reported as zero and reported honestly. It is fraud and I need help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing today to file a formal complaint against Transunion, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 1. XXXX XXXX XXXX was deleted approx XX/XX/2023, and this illegitimate debt has reappeared on my credit report and I was NOT notified by Transunion 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Transunion Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 
3. XXXX XXXX XXXX was deleted/removed from my Transunion credit report approx XX/XX/2023 has reappeared to my Transunion credit report WITHOUT me being notified within 5 days in writing. 
Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have no problem with the my mortgage, my problem is that Mr. Cooper will not accept my current homeowners policy with XXXX when my policy expires on XX/XX/XXXX   due to a low rating from XXXXXXXX XXXX XXXX. XXXX is in the process of being purchased by the XXXX XXXX XXXX XXXX California and the purchase is expected to be completed by the end of this year. XXXX XXXX XXXX gives them a A+ rating. I have contacted Mr. Cooper several times at XXXX. The last employee, XXXX ( no last name or company I.D . provided ) stated that I have no other choice but to get new insurance, that some loans with XXXX will not have to deal with this problem until next year depending on when their insurance policy is due. I advised him that Mr. Cooper purchased my loan, I did not obtain it from them. When I asked to speak to a supervisor, my request was denied and that this was a Mr. Cooper decision. Surely a company of XXXX employees do not all report to the CEO/ XXXX XXXX XXXX Surely their must be some form of layered management. Do you know how difficult it is to get homeowners insurance in XXXX California?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: TX

Complaint narrative:
I was charged a late fee of {$38.00} even though I made my payment on the due date. The system forced a day later though I made my payment on the XXXX ( pictures attached ). I called to ask that the {$38.00} be removed, theay said they could not do that. I asked about the random cutoff time and was told that was company policy of when the post payments. I asked the supervisor how i could submit a written complaint, she said i could not do that and she could not give information on her manager. She said she would submit my feedback. I asked if I could get a copy of that and she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Going on a couple years. My regions acct was credited with a Treasury check from a young Spanish lady I was romantically involved with at the time as reimbursement or collateral for the moving I was helping her & her family with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I am receiving letters about a debt that belongs to my significant other. We are not legally married nor are we tied together financially. I have called the company and so has he to let them know and they continue to send me threatening letters. They have now sent me a letter threatening to garnish my wages. He is paying the debt and they continue to send threatening letters. Id like to pursue legal action at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE NEW ACCOUNT! Call to report fraud. So they say that i need to recieve text messages. Ok, for verification. Ok. My another number doersnt work because iphone was not charges. and when i charges my phone there a lol text messages from them. i call again and they said wait XXXX weeks for your id for say ok. I WISH YOU THE SAME SITUATION IN NYOUR LIFE! i talk with the manager on the phone tin idk, he was rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/23 a transaction was posted on my card that the Company recognized as fraudulent and they informed me. I confirmed it to be fraudulent and had them close the card. Four days later, another {$1100.00} transaction was posted with an XX/XX/23 transaction date, a transaction that I did not initiate nor have any idea who filed it. When it posted, I reported it to the Fraud team who said they would investigate. Two billing cycles later, when it remained on my bill, I complained that they still hadn't removed it. They simply declared the transaction valid without any info related to the investigation nor how they determined it was valid. I had no participation in it. The company keeps adding interest. I have a 9 page document that illustrates all the exchanges with the company that I will attach.

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 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The incident started when the company over charged my account. The amount was disputed and the account was eventually credited after 3 months in resolution. because of the inconvenience, I decided to close the account.. The company is now attempting to bill me late fees for an account that was closed with a zero balance. The account was paid in full and closed by my request on XX/XX/2023 confirmation number : XXXX. The name of the agent assisting me is XXXX, who confirmed the transaction and provided me with the above confirmation number.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing today to file a formal complaint against Equifax, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Equifax Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 3. XXXX XXXX XXXX was deleted/removed from my Equifax credit report approx XX/XX/2023 has reappeared to my Equifax credit report WITHOUT me being notified within 5 days in writing. Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have asked Exeter finance to rearrange loan or lower the rate. I have been sick and they do not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: OR

Complaint narrative:
On XX/XX/2023 I submitted an application and request to Mohela for move from the PAYE income driven repayment plan to the SAVE income driven repayment plan after using the student fed loan simulator and it indicating my monthly payments would lower. Once Mohela received my request ( before processing and approving it ), their projected payment was {$40.00} more a month and nearly {$100.00} more a month than the initial estimate. I called Mohela on XX/XX/XXXX to inquire as to why my payment would be hire and asked for them to cancel my application to move to the SAVE plan and remain on the PAYE plan with my original payment. The customer service representative told me they could do that and Id be placed back on my PAYE plan. On XX/XX/XXXX I logged on to Mohela and saw I had been moved out of the PAYE plan and to SAVE even though I had requested not to be and told by Mohela representative I would remain in PAYE. I called Mohela again and spoke to someone new. They told me the request to cancel my SAVE application had been submitted but not in time and that they could not move me back to PAYE without a new application. I asked them to submit the new application and was told it would take 7-14 days. I called again on after I received multiple back dated messages through the Mohela website that I was placed on administrative forbearance. The first person I spoke to told me I was on administrative forbearance because of the delayed processing time with IDR applications and that it could take up to 90 days to process. When I asked if months on administrative forbearance, that did not require a monthly payment, counted towards Public Service Loan Forgiveness, I was told that no, they would not count towards my Public Service Loan Forgiveness and that I needed to request to be removed from forbearance and make monthly payments to qualify. I called again later that day and asked a second representative if months of non-payment while on administrative forbearance counted towards public service loan forgiveness and this representative told me that yes, it would and I should remain on forbearance. I then emailed Mohela requesting for written confirmation as to whether administrative forbearance counted towards PSLF. I received a generic response that did not answer my question or provide the requested information. I responded to that email and never heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed XXXX, XXXX, XXXX XXXX, XXXX 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 2023-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I had XXXX out of state. I then received the expected co-insurance bills from unfamiliar names/ practices because it was out of state.While recovering, and not paying as good attention, I paid partial payments to everybody I had a bill from. When I was feeling better, I confirmed the remaining balances with everybody and paid them. All except one that I could not confirm. I think I fell victim to a scam, as I have no idea who this is. I sent XXXX partial payments totaling XXXX to XXXX XXXX XXXX  XXXX, File XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That address does not make sense. XXXX XXXX in California. I then got a letter from a collection agency stating they were trying to collect a debt from XXXX. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX. I wrote on the the letter they sent me explaining why I did not owe this debt, and asking for their help recovering the money I had sent to XXXX. Unfortunately, I did not make a copy of the letter. I mailed it back to them, and did not hear back from them. I did write the information down. So I called them with the account numbers to ask them what is the status. They told me they could not find any information in their system using my account number, or my name, and they had never heard of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX-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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX is in shambles and unusable ( XX/XX/2023 ). How are we supposed to trust this agency with our credit information when they can't even maintain a website? You get a " 403 Forbidden '' when you click the Sign In button. Nothing happens at all when you attempt to add or manage a freeze.

Company response to consumer: Closed with explanation