vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up with Clear One Advantage, a debt consolidation company, after a friend recommended it. The representative suggested including debts with the highest balances. I agreed, thinking Clear One Advantage would negotiate with my creditors to settle for less than what I owed. 

From XX/XX/XXXXXXXX  to XX/XX/XXXX, I made two monthly payments of {$290.00} ( {$590.00} in total ). Despite this, I never received any communication from Clear One Advantage about updating the account numbers we initially agreed upon. I was also not informed about the possibility of a 1099-C filing, which could result in the creditor taxing me on the settlements. One of the 1099-C forms I received didn't match the account number in my agreement, and I never got an amendment to correct it. 

Now, as I review my creditor settlements, I can see various details like the balance at settlement, my enrolled balance, the settlement amount, Clear One Advantage 's fee, the total settlement cost with fees, and my overall savings. What wasn't disclosed to me was the potential tax implications, especially considering the high balances, which could lead to creditors taxing me through 1099-C filings. If I had known about these tax implications, I might not have chosen debt consolidation. 

I believe it's crucial for Clear One Advantage to clearly inform debtors that creditors can tax them through 1099-C filings, especially if they have high balances. 

In hindsight, I believe I was mislead and I could have considered better options, especially since none of my accounts were in default when I joined Clear One Advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 USC 1681 section 602 A states that i have rights to privacy.

15 USC 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish aaccount without my written construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I had a Chase Bank CD mature that I wanted to withdraw by cashier check. The person assisting me entered the withdrawal on this computer but was unable to complete the transaction and give me the cashier check or put it in my checking account due to a computer glitch. He described it as a computer outage in the middle of the transaction. He was unable to resolve the issue and told us he would call us later in the day when it was resolved. At the end of the day, he called and said it was not resolved and he would work on it the next day ( XX/XX/XXXX ). I called the branch on XX/XX/XXXX to determine if there was a resolution ( no call by the branch ). They told me that they would call later in the day to tell me the resolution ( no call ). On XX/XX/XXXX, the branch called to tell me they were escalating the problem and it would take up to 5 days for my funds to be available. They also told me the escalation team would call within 2 days of XX/XX/XXXX ( no call ). I have need for this money. There is never an expectation that a bank can not provide funds on deposit with them. There does not seem to be any concern for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.

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 2024-01-31 00:00:00
Product: Credit 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: CA

Complaint narrative:
On XX/XX/year> I brought in a dog to XXXX  on behalf of XXXX XXXX. 

Immediately upon entering the building they ask the question do you authorize us to charge you for treatment. 

My response was this dog is owned by somebody else, please scan the chip she is taking full responsibility for treatment costs. 

A few minutes later I asked how the dog was doing and staff refused to give me any information. They stated because the dog is not yours and weve scanned the chip and confirmed ownership by another person, we can not give you any information about a dog that isnt yours. 

They made it absolutely 100 % clear that they were aware the dog was not mine in any legal or financial capacity. Furthermore they confirmed with me that they were speaking with the owner and had specifically gotten approval for treatment from her. 

Several weeks later, I got an email showing an invoice for this dog with both my name and XXXX name on it that was asking me to give them a signature, but assumed it was a mistake since it was not my bill. I did not sign this bill. 

Shortly after that I noticed that even though I did not sign their invoice, they decided to charge me for the balance anyway using credit card information from my separate account which they had on file, completely without my permission. 

They refused to refund me, then Chase Bank denied my dispute twice stating that because my name is on the invoice it must be my bill even though it also clearly shows the actual responsible individual. 

Im currently without {$1500.00} that theyve taken from me due to this issue, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Subject : Complaint Regarding Unresolved Refund Issue After Dispute Resolution Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to file a formal complaint against Apple Card issued by Goldman Sachs regarding a persistent issue with the refund of funds following a recently resolved dispute. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$250.00} Credited amount : {$250.00} and the matter was successfully resolved in my favor. However, despite the resolution, I have not received the refunded amount in my account as promised. 

I have made multiple attempts to contact Apple Card customer service and Goldman Sachs to inquire about the status of the refund, but unfortunately, I have not received any satisfactory response or resolution. The lack of communication and delay in refunding my funds are causing significant inconvenience and financial strain. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I have attached relevant documentation, including the dispute resolution confirmation and any communication with Apple Card customer service, for your reference. 

I appreciate your attention to this matter and trust that the CFPB will help facilitate a swift resolution to ensure consumer protection. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shock to notice all the previous miss payments I had. I call the credit card company to resolve the problem they notice it was an incorrect area on them. They removed all the late payments interest and got everything back in order. I notice the late payments is still showing up on my credit report cause my credit score to be terrible. I'm in the process of purchasing a home for my family I please ask can you get the late payments remove from, my account and my credit report. 

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
I initiated a remittance transfer on XXXX and money was deducted on XX/XX/XXXX from my checking account. Its been more than 2 weeks and I have called the customer service more than ten times and every time they say its pending with verification team. Every time I hear the customer service they say its been escalated and will be taken care in 2 business days. No progress and the purpose of the transfer didn't serve. I'm not allowed to cancel the transfer and I have escalated the same to customer support but no resolution. 

I received this email after speaking with support and no progress after that - Transfer # XXXX has now been resumed and your recipient should receive the funds soon. 

Please review the bank accounts associated with your Wise account, and be sure to remove any details that are no longer active. This way, your account will be kept up to date. 

I literally requested to resolve this multiple times and the customer support acknowledged they don't have any control and all they can do is escalate the case. 
The purpose of the remittance is void. I would like my money refund and I have spent 7-8 hours and i want this to be resolved and the respective team should be taken with necessary action so they don't repeat this on other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by people impersonating ICE and police and I ended up sending 3 cashier 's checks of {$140000.00} to the scammer on XX/XX/XXXX from my bank Bank of America. I filed a claim with BoA on XX/XX/XXXX, claim number XXXX, before the cashier 's checks were deposited on XX/XX/XXXX. Later that day, the checks were deposited. {$53000.00} and {$49000.00} was deposited to two separate accounts at XXXX, {$40000.00} was deposited to XXXX XXXX. XXXX caught the fraud alert and froze the funds XXXX XX/XX/XXXX, {$51000.00} was returned to me from XXXX account where {$53000.00} was deposited. XXXX has stated they hasn't received the {$49000.00} account hold harmless letter. On XX/XX/XXXX, BoA has sent the hold harmless letter to XXXX again regarding the {$49000.00} account. On XX/XX/XXXX, I followed up with XXXX and was told the {$49000.00} was already returned to BoA on XX/XX/XXXX, but BoA is holding this {$49000.00} and hasn't returned to my account yet.

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 2024-01-31 00:00:00
Product: Credit reporting 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: NM

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute because I was in the hospital and my wallet and debit card was stolen I filed a dispute on XX/XX/year>XXXX  at XXXX XXXX  eastern time for the transactions at XXXX XXXX  on XX/XX/year>XXXX  they denied my claim. They denied my claim within two hours of filing dispute without doing any investigation. 
The dispute ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was sent a warrant of debt on XX/XX/2024 with a date for me to appear in civil court on XX/XX/2024 which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.

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 2024-01-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. XXXX {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both Experian and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but Experian and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.

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 2024-01-31 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. Nordstrom {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both XXXX and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but XXXX and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I rented an apartment from the XXXX at XXXX XXXX in XXXX, TN. I completed my original lease agreement, but requested a few days for an extension. I was moving my mother to TN from a nursing home because she was being abused and I finally found an apartment that could accommodate her and my son and handicapped  accessible. She refuse to honor my notice and said I have to pay a full additional month of market rate of about {$3000.00}. I had to buy my mother 's medicine until Medicaid kicked in for over {$2000.00} for XXXX. Therefore, I had a delay with paying the bill because I was also paying the other rent because she refuse to extend the original dates for a few days. I even explained the situation ahead of time. If she had accepted the 60 day notice and extended a few days out, this should have only cost about {$300.00}. 

However, when I went to settle the debt, she said the amount is now {$4200.00} because they added a collection fee. This is extortion and unethical. They refuse to negotiate a lower amount and now this is on my credit and I can not find another rental property to rent because this cause a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I received a billing statement on XX/XX/XXXX, at XXXX with updated loan details and due date of XXXX. I am enrolled in auto debit, but it wasn't clear why this new statement was generated. I spent an hour on the phone with a representative asking for clarification on why my payment amount was changed, if my loan repayment plan was changed ( I did not request that ), and if my auto debit amount that was already scheduled for XXXX would still be charged. I received two notices in early and XXXX that auto-debit payments would occur, but no notice that they had been canceled/adjusted. I am still unclear if the auto-debits scheduled for XXXX and XX/XX/XXXX are still scheduled. 

The rep was courteous and kept asking to put me on hold to " review my file. '' After an hour the called ended abruptly and sent me to a satisfaction survey. At the start of the call the representative asked if they could call me back if we were disconnected. They did not call me back. 

This is not my first time trying to get information from MOHELA. I feel badly for their customer service representatives, but they seem unable to provide answers to basic questions about changes to my loan payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
This online Money Transfer firm called Wise located at www.wise.com, closed my account and DID not refund all my balances outstanding. They refund two items, and one item of approx {$3000.00} USD was never refunded to me. 

I have diligently attempted to seek clarification and resolution by reaching out through multiple emails sent to supportrepy @ wise.com ; however, regrettably, I have not received any responses to date. 


This transpired around XX/XX/year>. 

Given the nature of this matter, I believe it is essential to bring it to your attention promptly. I would greatly appreciate your assistance in resolving this issue and providing an update on the status of the outstanding refund. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I previously filed a complaint ( # XXXX ) with Valley Bank which is the servicer of my loan and this is a new complaint related to a similar issue. I reiterate my claim that this bank is not capable of servicing mortgage loans. Therefore its servicing license should be revoked. The bank frequently makes mistakes in my account that requires me to call/email them and they are not responsive. I am unable to have them fix the mistakes in my statement. The attached file shows an email I sent on XX/XX/year> which has not received any correspondence although I copied several people from their servicing department. 

In addition to this the bank frequently sends me warning letters claiming that I do not have an insurance policy on the related property although they are listed as a beneficiary on the policy and they receive proof of continued insurance. 

I reiterate my claim that this servicer is not capable of servicing a mortgage portfolio since it can not perform the most basic services that a servicer has to provide to borrowers. 

Further, the bank has perjured itself in its response to my previous complaint # XXXX by lying to CFPB and I have evidence to prove this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation