vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX Chase charged me XXXX XXXXXXXX {$100.00} in overdraft fees even though I previously told them not to honor charges if they balance could not support it. They did the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling another {$100.00}. 

I used ever feature available in their app to disable overdraft protection yet they persist in running this moneymaking scam. I told them the last time this happened that I did not want overdraft coverage and they removed the overdraft charges. Today they refused. They are STEALING MONEY FROM A XXXX PERSON ON A FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/XXXX, I made a payment using the Capital One mobile app to pay my balance in full. On XX/XX/XXXX, I was charged {$18.00} in interest because my payment on XX/XX/XXXX was apparently {$25.00} short. According to Capital one, my payment was short because of a change in their mobile app that deducts a canceled auto-pay from the statement balance. This change was not made clear to me through the app, and I have not been able to repeat " what must have happened '' through further investigation on my end. The explanation provided to me was both dubious and deceptive. During a XXXX hour phone call with customer service, I requested a refund for the interest and was told I " was not eligible '' with no further explanation. The supervisor I eventually spoke with informed me that " This has been happening to a lot of customers with the recent change to the mobile app. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There was an inaccurate reporting on my credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was an inaccurate reporting on XXXX credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-26 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: SC

Complaint narrative:
We had a capital one card for around 10 years with cash back for purchases. We had amassed {$740.00} in rewards to be used towards a family vacation. When I went to redeem my cash, I found out that Capital One had closed our account due to inactivity and that the rewards were no longer available. They claim they sent a notice of inactivity and that we needed to redeem rewards or use the card. We never received any such notification ( and we ALWAYS open mail from financial institutions with whom we do business ). I've been through Capital One customer service and they claim that they can't address my issue or even escalate it due to some arbitrary change in the system. To close someone's account without proper notice and take their money seems quite fraudulent to me. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX emergency services is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
WESTLAKE PORTFOLIO MANAGEMENT company took over us auto sales accounts. They did not notify us auto sales customers prior to the account change. I called XX/XX/XXXX to make a payment thats when I discovered my vehicle was now being managed by Westlake portfolio. I spoke with a representative and they tried to assist with making my payment over the phone. They were unsuccessful. I then received a letter in the mail with the wrong state and zip code. I called Westlake portfolio again and asked them to update my billing information because they had the wrong one on file. I also asked for them to set up a payment arrangement because I recently moved out of states and was not working at the time. They refused which later resulted in them repossessing the vehicle. When I went to pick up my belongings out of the car several things were missing

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow Mr Cooper claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made two online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, I got notice that XXXX XXXX they closed account that I called to have closed because they continued to let money go out of it and charge me after draft fee 's over and over. Like XXXX every two weeks. So, I opened another account, and they left stuff come out anyway of a tune of XXXX plus. So, before they closed it, I was putting in money again to bring it to a positive and took my direct deposit off that account. So well and behold 3 checks came in and they rejected 1 of them and opened the account to bring in a check for XXXX and an XXXX something waited over 21 days and sent me a check for what was left over for the amount of XXXX and charged me for more overdraft charges. Instead of sending all the checks back and let me pay them accordingly without overdraft more charges. They are horrible to deal with held my checks for 7 to 10 days then held the check they cut me for 7 to 10 days. They need to be shut down for their shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Contacted company and told them that I was removed from property. Person at property continued to use services. Informed people at property to allow company to remove equipment. They never did. I have not lived at property in over 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: AZ

Complaint narrative:
I recently checked my credit report and found inquiries that do not belong to me.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I asked him for an audit of the account they refuse to close accounts. They return payments when money is in the bank. I had to go in personally to close the accounts to only have them still remain active. Have current pictures to prove so. I would love so, like the money returned, and the surcharges for the return payments as well. I am having issues with uploading documentation. If you could send a link, I would appreciate it.

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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is is reference to account # XXXX {$2900.00} this account is reporting on my credit and does not belong to me. I am requesting a removal of this account from my credit report.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello ok so my account was closed due to fraud. First they restricted my account and then they lifted the hold and unrestricted my account they said my account was good. I had a check for XXXX from XXXX XXXX XXXX bail settlement the money was available on XX/XX/XXXX to be in the account they closed my account due to that the check wasnt verified from the maker but the check did clear out I called XXXX XXXX XXXXXXXX bail settlement and they said the check was cleared XX/XX/XXXX but chase is giving me a hard to release my funds due to that they cant call the maker because the number does not show on there system to call meanwhile the check was cleared I tried to give them all numbers from that maker and still there system is not showing the number to the company I do have a recipient with the sequence number that the check was deposited and also have the letter that came with it I told XXXX you guys should use XXXX to XXXX the company because it shows the number and the reason why they had a bail settlement out for. I would like them to release my funds and send me the check of my funds that was available and then the check was cleared please please help me with this to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Taking me to court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: NY

Complaint narrative:
My money has been stolen via a crypto platform I used to trade crypto currency. There are a lot of details but I'll get to the point. 

I use Trust Wallet to connect to the trading platform ( XXXX XXXX XXXX This is where I buy/sell crypto and withdraw funds. Most recently, I went to withdraw my funds from XXXX - XXXX. I was told by XXXX customer service that my funds have been successfully withdrawn from the platform and are now stuck on the blockchain. In order to release the funds from the blockchain, I had to pay a fee. After paying the fee, the XXXX customer service has stopped responding to me. My funds are no longer in my account. I have a total of {$970000.00} in the account. I have no idea where it is or who has it. 

I filed a complaint with Trust Wallet but they have not been any help or even offer a response whatsoever. I already filed a complaint on IC3 as well. 

I have many screenshots of conversation with the ledgiit.com customer service. I also have wire transfers receipts. I have sent this to Trust Wallet and so far they have not provided adequate responses, do not respond at all, and has not offer any details of the investigation and/or any other assistance.

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 2023-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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