vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received correspondence on behalf of a collection agency named XXXX XXXX. According to them, I had an outstanding balance of {$1900.00} that was previously owned by XXXX. I contacted them on XX/XX/23, and the representative I spoke with informed me that the debt was tied to the phone number XXXX. I am positive that I have never been associated with said number, so I went through the trouble of filing an police report and so on. I called XXXX XXXX back on XX/XX/23, to obtain information on where to submit a copy of my police report in order to initiate a dispute. The XXXX XXXX Representative, XXXX, informed me that per their system, there was a " XXXX XXXX '' order in place, and that the debt was erroneous, and is not valid. He also shared that the debt would not be reported to the credit bureaus, and that I was no longer financially liable for the amount they were trying to previously collect. I requested a statement in writing confirming what XXXX shared, but he insisted that he was not able to do so per company policy. I wanted to bring this to the CFPB 's attention in the event XXXX XXXX attempts collecting debt from me again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
At the end of XX/XX/2023 or early XX/XX/2023, I opened a Chase checking account using a promotional code. 

The promo code required a direct deposit to receive a bonus of {$300.00}. The promo stated that the bonus would be paid within 15 days after the deposit. 

On XX/XX/XXXX and XX/XX/XXXX, I made direct, payroll deposits into the Chase checking account. Over 30 days later, I have still not received the promo. 

I spoke to 7 or 8 Chase representatives on XX/XX/2023. Most of them agreed that I met the terms of the promo, but they kept transferring me to other representatives to actually receive the promo bonus. Ultimately, Chase never paid the promo bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Accscient, LLC
State: GA

Complaint narrative:
15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13 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: ALCHRO INC.
State: GA

Complaint narrative:
15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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 — Card was charged for something you did not purchase with the card
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Manual adjustments by your fraud department were done to this account upon my requests at the end of XXXX. This allowed me to make the overpayment because she didnt get her work correct. When I made payment in XX/XX/XXXX for XXXX this amount is not correct and more than what was really owed. 

Note I have never made a single purchase on this account!! You stated I purchased over XXXX dollars? What date and place was this at? Please provide me with this document or direct me in the ledger to where this is possible. 

Your last correspondence stated credit refund checks ( 2 ) this money was returned to the bank XXXX XXXXYou yourself came to the correct amount ( almost ) actually owed to me. You deemed you dont owe this money to me please explain why? 

Rectify your companys error. Fraud mangeXXXX XXXX XX/XX/XXXX admitted he seen this error. My account was never reviewed for correction. You closed the account instead. 

The ledger is clear over all months if you cant see this with your intellectual abilities and arithmetic skills alternative means of collection will escalate and proceed. You keep simply blowing me off your behavior is as experienced with Bmo unethical and abusive. 

XXXX break it down XXXX I owed the bank for XXXX. I payed XXXX. I retrieved XXXX on my own from improper interest charges. Leaving XXXX owed to me. Clear simple math.

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 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023, I requested to Wells Fargo, who is the lien holder for my home mortgage, my PMI be removed. They sent me documentation on how to cancel PMI using new property value. I met all of their must haves ; no past due payments, no 30-day late payments in the last 12 months and no 60 day late payments in the last 24 months. Now the other " stipulation '' they have is that I must have an appraisal completed through a company called XXXX and my property must be valued at a {$470000.00} figure or more which will then bring my XXXX ratio to 75 % and PMI can then be removed. Being I had an appraisal done a week or two prior this request, which was also above {$490000.00} home value, I called Wells Fargo few times from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked if that could be used in place of XXXX and they said no. I asked why and they said I had to use XXXX as they are an independent, certified appraisal vendor who is not affiliated with the customer or us ( Wells Fargo ). They complete all valuations to ensure that our ( Wells Fargo ) customers get an unbiased assessment of the property 's value. I argued that the appraisal I got through my XXXX XXXX XXXX is also an independent, certified appraisal who is not affiliated with the customer ( me ) or you Wells Fargo. They decided to take a review of my appraisal and then declined using it saying that the cancellation options for PMI stipulate that the valuation must be requested in writing and the appraisal must be ordered through XXXX. I escalated this argument to the XXXX Office Case XXXX, XXXX XXXX XXXX XXXX and received a letter back on XX/XX/XXXX, XXXX stating the above.

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 2023-03-13 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: Phoenix Financial Services LLC
State: GA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : a creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC
State: MA

Complaint narrative:
We have used ClearOne Avantage to help Settle our debt. They lied about how much money would be needed monthly and drafted from our account without permission. They were very misleading. We have been served by one of the creditors that they said they settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting late payments from XXXX when they agreed to put me on a hardship program due to a death in the family in XXXX and loss of job. They advised that I had 120 days to make payment. What they DID NOT advise is that I had to make the minimum payment each month. That does not make sense because then there is no point of the hardship program. 

Then in XXXX I lost my job due to covid. I was effected by a late payout of unemployment money and stimulus payments. XXXX XXXX said that they were going to give forbearance to those effected. As soon as I received the stimulus and unemployment, I paid off the credit card. 

XXXX XXXX is being unethical by denying these issues. Had they given proper instruction, the cards would have never been paid late even. I would have borrowed money to cover the minimum payments had they properly disclosed the process. Their staff inaccurately represented their hardship program.

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 2023-03-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I noticed a credit balance on my account in decemeber. I contacted Chase to understand the reason there was a credit on my account of {$170.00} as of XX/XX/XXXX and they informed me that there was an overpayment. I inquired more and they directed me to submit a balance refund form. I verified that the balance was not a mistake and they confirmed. I filled out the form on XX/XX/XXXX and received the credit on XX/XX/XXXX. 
On my account activity from XXXX there was a reversal of the XX/XX/XXXX payment ( listed as XX/XX/XXXX ). I contacted Chase via phone on XX/XX/XXXX and was informed that there was a mistake and the payment should never have been applied to my account. Due to this I currently have a balance that is owed and Chase is unwilling to allow me to file a complaint or contest the charge. 
They sent me money that they told me was owed to me and are now telling me that it was not my money despite me checking and verifying with them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring service that my retail Fortiva account had been closed and a new general purpose XXXX had been opened in its place. This resulted in a XXXX point drop to my credit score as it included an account closure, hard inquiry, and new account opening. I spoke with several representatives and was eventually told that they had sent one email to advise of the change on XX/XX/XXXX. After locating the email it is labeled as a " Notice '' and suggests that my account would be " converted '', but makes no mention that my previous account will be closed and a hard inquiry will be run on my credit report to perform these changes. It also does not state why this change was to take place as the retail company and Fortiva are still partners. These are deceptive and unethical practices all in the name of supporting a new credit line through Fortiva and amplifying their sign ups. I was never asked to sign or agree to anything, only to opt out of what appeared to be an account update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
Following issues in linking a new bank account to target financial, I was provided an error message citing Certegy as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted Certegy as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay XXXX in cash. I recorded the representative telling me that Certegy will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. Certegy is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. XXXX has so far only been able to blame Certegy and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a XXXX  XXXX, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

On XX/XX/2022 XXXX agreed to a payment arrangement and they did not fulfilled their promise of not reporting late payments.

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 2023-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Received letter in the mail that I owed XXXX XXXX XXXXXXXX XXXX {$270.00} from ONLINE INFORMATION SERVICES. I've never even heard of these people I was supposed to have used. I called them and they verified over the phone they have NO record of me ever using their Ambulance service. 

We pay our bills and would never let something go this long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Hello I opened a bank account and was waiting for my debit card for M & T bank but I never received it and they also sent a pin with a separate mail I also never received it unfortunately so the has been 8 unauthorized transactions each for {$1000.00} that i was denied after I tried to dispute those are form XX/XX/23 to XX/XX/23 it says atm withdrawal

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct 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 non-monetary relief