vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Location Specialists
State: WI

Complaint narrative:
This company called ALS states I owe debt but said my time has expired and they are calling for verification of my address to serve me a lawsuit. When I asked about the debt they said that they already mailed me the information and that they would not do that again. Said they could only email but never did. " XXXX XXXX '' stated that he contacted my mortgage company and talked to someone to put a lien on my mortgage and that they contacted law enforcement because I did not pay my debt. Keeps calling me and family members and said the paperwork is filed with the courts. Told me good luck on last phone call on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I partial disputed twice {$320.00} and shows up on my citi statement on XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$640.00}, {$12000.00} XXXX pesos ( exchange rate ). 

On XX/XX/XXXX I paid online and got on email from XXXX  XXXX confirming my hotel reservation, the total reservation amount of {$12000.00} XXXX pesos, and the deposit that I paid the same day, XX/XX/XXXX, which was {$6200.00} XXXX pesos. 

I paid the deposit with my XXXX credit card, transaction date of XX/XX/XXXX XXXX XXXX XXXX in the amount of {$310.00} or {$6200.00} XXXX pesos ( exchange rate ). 

Yes, the merchants name shows up differently on the two credit card statements. 

After my stay at the XXXX XXXX XXXX, I realized they overcharged me because I had already paid half the total amount ( the deposit ), {$6200.00} XXXX pesos, using my XXXX XXXX  XXXX  on XX/XX/XXXX. On XX/XX/XXXX I should have only been charged the remainder of the total reservation amount, {$6200.00} XXXX pesos, {$320.00}. I reached out to the hotel, and they told me it was an error on their part, but they stopped responding to my inquiries shortly after and still are. Therefore, I decided to dispute the charge with Citi immediately. 

Since this was a partial dispute, on XX/XX/XXXX I paid Citi for what I owed, {$6200.00} XXXX pesos, half of {$640.00}. 

Citi denied my dispute twice and again after I sent in a letter explaining more in detail the situation. I disputed this overcharge immediately so Citi would have no excuses when it came to helping 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 explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called Best Buy customer service today XX/XX/XXXX about the ( New ) Surprise amount Due, on the Paper Bill is {$650.00} XXXX due date = XX/XX/XXXX... XXXXXXXX XXXX person told me " Verbally '' that I must send {$1000.00} By XX/XX/XXXX, in order to make New payment arrangements... .This NEW BILL total is More than my Original Purchase Price!!!!!! I asked them Why, I owe this XXXX Now After paying Monthly for over ONE Year... They said it's Deferred interest, Which... ( was Not )... 
Explained to me Verbally, it's probably buried Somewhere in the small print. 
I asked cust. Svc Could this be Added to the back end of this account ( OR ) can I set up a " New '' secondary payment plan for the Deferred interest?? PLEASE NOTE : I'm XXXX XXXX XXXX, living on Social Security and I Can not afford to pay Any Lump Sum amount. 
I feel like I've been **Bamboozled!! 
The XXXX person told me their Lump Sum Payment was my ( " Only '' ) option ...,,, How is it possible that this is my One and ( " Only '' ) Option?? We should be able to find Some sort of Plan B, C, or D, solution that takes the needs of BOTH, parties into consideration.

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 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a situation where my bank will not accept a deposit of a bill of legal tender even though I think they should. I have a single dollar bill that has been torn and missing a large portion. it is clearly more than 50 % of a bill and it's an odd shape so there really aren't any questions about that. The other piece of the bill, wherever it is, would definitely appear to be less than half a bill. 

I understand that businesses do not have to accept cash as the federal reserve has have discussed previously here : https : //www.federalreserve.gov/faqs/currency_12772.htm According to eCFR, I have 'unfit currency ' that a bank should exchange for me, but I do not have 'mutilated currency ' that would have to be sent back to the Dept. of the Treasury for service. 
https : //www.ecfr.gov/current/title-31/subtitle-B/chapter-I/part-100/subpart-B/section-100.5 I don't qualify to send this to the Treasury, and Chase bank won't accept it. 

I took my bill to the bank and tried to deposit it into my savings account or exchange it for a fresh dollar, but they wouldn't take it, stating that their policy is as follows : they only accept money where there is at least 3/4ths of a bill intact and where 1 full serial number and at least half of the second serial number are present. My dollar bill does not suit their definition. 

This bill is otherwise in pretty good condition. It is generally clean, barely folded, legible, of normal color, of normal density, etc. 

Here 's how I know this dollar bill is more than half a bill : * I folded another dollar bill up perfectly in half and put it behind my part of the bill. My bill completely covers that folded bill and extends beyond its border. 
* the shape of the tear on my valid but unfit bill is not even. It protrudes at one end so it's not even a close call. 
* if the other part of the bill ( or parts ) were found, they would clearly be less than half of a dollar bill. 

In 2012, Chase even went on the record saying they accept legal tender so long as there's more than half a bill in a public news article : XXXX XXXX XXXX I guess my question is, if my bank accepts cash deposits, do they have to accept all legal tender, or can they set restrictions such as my bank has done? I'm not trying to be difficult ( such as paying with XXXX XXXX XXXX ; this is a normal deposit ) or outrageous ( this is just a single dollar, not a large sum of money ), but I'm trying to understand the principles and policies that govern this situation. Should I appeal to them to accept my dollar anyway? Can you provide guidance on if they are allowed to limit the receipt of this dollar? Can you require them to update their policy? If not, what should I do to use this dollar? 

Thanks for considering this question. I know that it's not a very important issue, but maybe its weird details will be interesting to address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: AZ

Complaint narrative:
Washington Federal Bank is my loan servicer and maintains an escrow account for taxes and insurance. This years insurance renewal was due XX/XX/XXXX but the statement shows it was not sent until XX/XX/XXXX. As of now, the insurance carrier does not show as received. The insurance broker reached out 4 times in XXXX to prevent lapsed coverage and every time were told 2-4 business days with never hearing back. On the 4th one, WaFd said I had to call. Ive now called 3 times with the same result. My policy has since lapsed and caused me to have to pay the renewal and a reinstatement fee for a total of {$810.00}. And the {$790.00} is still showing deducted from my escrow account without WaFd making resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RDAC continues to violate my consumer rights. RDAC has been notified and invoiced for their violations of my consumer rights. They have been non-responsive and non-compliant to those identified violations. RDAC refuses to provide any contractual obligation to pay them. RDAC refuses to provide any prior consent from the consumer to communicate with third party financial institutions. RDAC has admitted being given permission by their client to communicate my personal and private information to creditor reporting agencies. RDAC has only provided statements and photos from their client that does not constitute an obligation to pay them anything. RDAC is liable to pay this invoice to the consumer under the Congressional law of the FCRA pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
1

5 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Pra Group XXXX from XXXX, XXXX  keeps collecting on debt that I don't owe. Calling me on the phone, and mailing me. Everytime I speak the company it's XXXX XXXX american women. The Bank XXXX XXXX debt is old from XXXX XXXX. We tried the debt via the court system, and I don't owe per the judge. XXXX XXXX XXXX XXXX judge XXXX. Case from ( 2015 ) I think there is a health problem with the business because the case was tried in 2015 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
New American Funding is charging me late fees on my mortgage which are not due. I attempted to contact New American Funding in XX/XX/2023 via email to correct and resolve this issue but New American Funding was unresponsive. This is an unfair and deceptive business practice because it shows my mortgage account in arrears for late fees that are not due. It appears that the late fees are being factored into my mortgage payments because the fees are showing as due on mortgage statements at the beginning of the billing period, and are being included in my regular monthly mortgage payment. There is a 16 day grace period before late fees are supposed to be assessed, which is clearly stipulated on the mortgage statements provided by New American Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting inaccurate information and its hurting me going forward, Information is definitely incorrect and I have filed police reports, did a fraud report and nothing has been done, yes I have sent copies of t h e police report to XXXX, exquifax a n d XXXX, no one is paying attention and I am being hurt behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: MD

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2023-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as open-end consumer credit plan as " late '' for any purpose.

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 2023-05-02 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:
I am writing this complaint to TransUnion. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction

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 2023-05-02 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: FL

Complaint narrative:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

XXXXXXXX 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
The Nordstrom Card, continually turns down charges at the register and then says we are investigating for fraud. 

My wifes and my card has been on hold for week despite the previous statement being paid in full, 4 direct conversations with the company ( wasting nearly 5 hours of my work hours, 3 calls to request our card be re-activated. I am stuck on hold for 40 minutes waiting for a supervisor. They have no reason to suspect fraud on any of our local purchases that have been verified by us as valid. We do not have this problem with our other cards.

Overall, it is not fair or reasonable that a card company can charge late fees when one is one second late for not meeting the conditions of the contract ( and also charge 28 % or more interest ). However, when the card company fails to live up to the contract and help facilitate transactions when all conditions have been met by the consumer, the card company should pay a fee to the consumer and also be charged for the consumers lost time at work having to sit on the phone to rectify the situation. 

The current framework is far too asymmetrical in favor of card companies and they should be fined and consumers compensated for failure to meet the conditions of their contract. 

I would appreciate if the CFPB would review Nordstroms practices as I feel they are violating not only regulatory requirements, lack available supervisors, and are not treating my family and other consumers properly and fairly!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX still has this account open when it was paid and settled over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Company advertised a XXXX XXXX XXXX XXXX XXXX with a XXXX dollar card credit line once the XXXX dollar fee was paid making the total XXXX XXXX XXXX XXXX. I used up the XXXX without paying the XXXX fee and recently paid off entire card. I was under the assumption that this was a secured credit card by using my XXXX fee which I never met. This is deceptive practices and should stop deceiving customers with this approach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Media Collections, Inc
State: OH

Complaint narrative:
I tried using an electronic service to transfer funds. The transfers were unsuccessful. No explanation why was provided. Based on the information it appears the card number used is incorrect. At the time of entry, I was not made aware of any issue. I was informed that the transactions had not been executed. I subsequently received a letter from the service that they are required to pay these charges to the party that I was trying to send them to. I have not been able to confirm if they actually paid these charges and I can confirm I did not receive them in my account. 

I disputed the charges but received no explanation or information on why the transaction were initially processed then rejected but never completed. 

The disputed charges were sold to a collection agency. The collection agency is trying to collect without any knowledge of the original charges or any explanation of the original transactions.

Company response to consumer: Closed with non-monetary relief