vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, my co-tenants and I were given a bill from our previous apartment complex ( XXXX XXXXXXXX XXXX ) to the sum of {$1000.00} for damages and cleaning fees. This amount was owed after our deposit had been kept and used for some of the costs. Payments were made on this debt in the amounts of {$300.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX, Leaving us with a remaining balance of {$520.00}. 

We stopped making payments after those XXXX were submitted and understandably the debt was then sent to Wakefield Payment Solutions for debt collection. On XX/XX/XXXX Wakefield began reaching out to only myself asking for payment in the amount of {$1100.00}. This is more than double the amount we still owed when this debt was sent off, and it is also more than we owed to the apartment complex originally. 

I am the only one of four names attached to this debt that has been affected by this collections account, and no written confirmation of the debt was ever recieved by any of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NJ

Complaint narrative:
Merchant has scammed me, I will attached a pdf with the full details of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I advised indigo/destiny credit card that I was XXXX XXXX in XXXXthey said they would reimburse late fees but had to report that the account was past due.I can send proof that Im just getting over the XXXX and those late payments have tarnished my credit report. I have no content over me catching the XXXX and Im being penalized.I have payments set up to start payments this is unfair.my home was pending finalizing before I got XXXX and put on hold by the lawyers because of XXXX.my home being finalized wont go through if those late payments are on there.please remove and list my account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX OPENED : XX/XX/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 2022-01-12 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: NY

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : 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 2022-01-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( XXXX. XXXX ) and ( XXXX. XXXX ( B ) XXXX XXXX XXXX Statutes of XXXX. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I contacted Kia Motors Finance on XX/XX/2022 and I spoke with an associate named XXXX. This associate verbally agree to settle a debt based on a previous offer from a debt collection company. She instructed me to send her a copy of the settlement letter via email and provided her email address. She stated that once this was complete that she would call me to collect the settlement amount. I called her back on XXXX XXXX the new associate refused to transfer me to XXXX and the stated that they would not be settle the debt even though the previous associate had agreed. I asked why we could no longer settle for the previously agreed upon amount and I was told that a new supervisor did not approve it and they would not be honoring what the previous associate told me was a firm agreement. The associate refused to let me speak to the associate or to a 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 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX  due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX  shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX  we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.

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 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
In 2020 someone stole my identity and opened an account with XXXX XXXX and ran up a {$960.00} bill, which they didn't pay so XXXX turned it over to a collection agency. When I found out about the identity theft I reported the matter to the XXXX XXXX, XXXX XXXX, PA Police Dept. A copy of the XX/XX/2020 XXXX XXXX police report is attached. 

I gave the police report to XXXX XXXX and they told me the account was closed, but it appears they have given it to another collection agency because the {$960.00} bill has reappeared on my credit report at the request of Franklin Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I purchased a watch from XXXX XXXX, who's parent company and the one who the card was charged under is XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$2500.00}. I returned the item via XXXX on XX/XX/XXXX. XXXX XXXX received the item on XX/XX/XXXX. I initiated my dispute with PayPal Credit on XX/XX/XXXX as I had not received any confirmation from XXXX XXXX on my return. On XX/XX/XXXX, XXXX XXXX sent me an email stating they received my item and another email on XX/XX/XXXX that they processed my refund. I received an initial credit from PayPal Credit on XX/XX/XXXX for the purchase charge. I thought everything was completed. I noticed that on XX/XX/XXXX XXXX recharged my PayPal Credit account for {$2500.00}. I was never given any notification that this occurred or that the dispute had closed. I found out when I went online a few weeks prior. I reopened the dispute on XX/XX/XXXX and contacted XXXX. According to them, XXXX stated they never received the watch back on XX/XX/XXXX so they closed the dispute. PayPal Credit never provided me with any documentation regarding this claim. When I reopened the claim on XX/XX/XXXX, I provided PayPal Credit with proof of XXXX return, proof of XXXX delivery receipt, Tag Heuer return email and refund email. On XX/XX/XXXX, I noticed that PayPal Credit closed the dispute again. This time they stated that on XX/XX/XXXX, XXXX stated they never received the item. On XX/XX/XXXX, I faxed a letter with the documentation I had provided previously, plus I provided a copy of the order section online which stated that XXXX XXXX returned my item, email correspondence with XXXX stating they have tried to refund the money since XX/XX/XXXX and have been rejected by XXXX due to a chargeback in progress. On XX/XX/XXXX PayPal Credit closed the dispute again. To this date I have not received any correspondence from PayPal Credit regarding my claim. The only correspondence I have is when I have called them and they have verbally informed me that on XX/XX/XXXX and XX/XX/XXXX that XXXX had stated they did not receive the watch. The only thing I can see is the dispute status online whether a case is open or closed, nothing else.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX my account number is XXXX with capital one bank my address is XXXX XXXX XXXX XXXX XXXX la XXXX and my social security number is XXXX On XX/XX/XXXX I received a small business loan for my business for {$20000.00} later that day I tried to get some of my funds out to go pay some of my bills for my business because my payments was behind and they froze my account say the XXXX XXXXid they had to but I called the XXXX  and they said they never said that and I shouldve received my fund because Im a XXXX XXXX I work for XXXX. So Im not seeing was the problem and I need my money for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I spoke with a woman who stated her name was XXXX and represented herself as a manger. I gave her a verbal cease and desist and stated any further communication should be conducted by US mail. 

Today, XX/XX/XXXX, I received 3 phone calls from this company in a little over an hour. 

On numerous occasions I have attempted to give this company the numerous adjusters and claim information to pursue the insurance for these bills. I have occupational hazard insurance, personal medical insurance, medical payments coverage, as well as third party liability insurance in relation to these bills. I was told the company would not submit bills to the insurance and I needed to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2021, I have had three collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.

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 2022-01-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or Navy FederaXXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. Navy Federal refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed Navy federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to Navy Federal once answered. To my knowledge, this is also a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I disputed items in Equifax and it been over 30 days and the company has not responded to my request to delete all inaccurate items from my credit profile instead has completed removed all personal information no original finisher name or account information because of this situations it has caused hardship and great damages that have occurred to my credit score, along with credit profile this is abusive reporting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West : On XX/XX/2022 I was charged XXXX overdraft fees for transactions that did not overdraft my account. 

On XX/XX/2022 I was charged 2 overdrafts that did not overdraft my account. 

On previse dates I was charged overdrafts and fees that did not overdraft my account. 

I tried to resolve this with them over the phone and in-person with the bank manager and I was told that there was nothing that they could do, but that it was " Just their System ''. The Bank Manager said she could see exactly what I was talking about as it was simple math, but could not do anything.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to the local chase atm XX/XX/22 around XXXX. Deposited all of my money ( literally every last dollar ) and the atm glitch after taking my cash deposit. The gear spinned for about XXXX minutes. It then showed the screen in the picture I attached. Telling me to call chase if I didnt see my deposit. I didnt see my money in my account so I called the number provided and the representative told me that claims was closed and I would have to call back in the morning. I called claims directly as soon as they opened XX/XX/22 and made the claim. The representative told me it can take up to 10 days to get a response or even see a temporary credit but its usually much sooner. I called back XX/XX/22 checking the status and that representative told me its in the Finance departments que for approval so it should only take XXXX business days. Called back XX/XX/22 for an update because like I stated, I deposited all of my money into the atm and with XXXX kids at home, waiting another two weeks isnt going to work. The initial representative just kept repeating I had to wait and would not transfer me to her supervisor. After telling her several more times, she finally transferred me and that took another 20 minutes. The supervisor researched about 10 minutes the first hold she put me on then continued when she took me off of hold and told me Im not going to risk losing my job to approve a temporary credit for your account. Im not saying youre lying but I cant see your atm transaction so I have to wait until our 3rd party atm vendor counts the money and gives us a report but we dont have schedules for when they empty atms I told her pull the cameras, you will see my car, and I even reached out of my car! But she just kept repeating she wasnt going to lose her job to help me and I had to wait. I informed her I had no money and was unable to go grocery shopping, had to cancel doctors appointments, And would have to cancel my daughters birthday party and all she said was well there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I believe I am a victim of identity theft. I disputed the fraudulent information ( JPMCB CARD ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I used Moneygram to transfer {$150.00} to my wife in XXXX. I used their service in the past and money was deposited within an hour into her bank account. After a week, I contacted them several times and I was told I had to wait 90 days for an investigation. They had no issue taking the money from my account, but try to pin the responsibility on the receivers bank. My wife contacted her bank and the money was never deposited. I called again and said it was true that money was never transferred to their bank but there was nothing they can do to refund my money until the 90 days.

Company response to consumer: Closed with explanation