vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: Experian Information Solutions Inc.
State: FL

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

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

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I opened an account with TD on XX/XX/XXXX. They were advertising a new account bonus of {XXXX} if you met the terms of the promotion that was then in effect. Twice I messaged TD to inquire about the bonus, which they never deposited. On XX/XX/XXXX and XX/XX/XXXX, reps from TD confirmed that I was eligible fo the bonus but told me I had to wait 140 days from account opening. On XX/XX/XXXX ( 140 days ) I messaged again, and they told me that I had been excluded from the promotion because I once had a TD account several years ago. I messaged back on XX/XX/XXXX, to remind them of the terms that were advertised when I opened the account. These terms state that the " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' ( see attached ). I did not have a TD account of TD relationship in the 12 months prior to opening this account. Now ( XX/XX/XXXX ) I have a new message from TD claiming that they didn't pay because I didn't meet their deposit requirements ( I did ). Each time I have messaged them they have moved the goal posts. It seems they will never run out of excuses for not making good on this offer. I'm very frustrated and at this point I'm out of patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Recovery Services, Inc.
State: FL

Complaint narrative:
I moved in XXXX XXXX XXXX XXXX on XX/XX/16. There were repairs that needed to be completed on the apartment. While staying in the apartment with my young daughter and husband we experienced many unresolved issues. Cold nights no heater. Then hot on hot days no a/c, also water damage. The above apartment bathroom water would drain all down my bathroom walls. I continued to complain and speak the the office manager at that time XXXX XXXX. Once she came to my apartment and saw all damages she advised it would be fixed however that was not done. I told her I would be moving out due to the conditions she told me to provide a letter and that this would not go on/impact my credit. No one never reached out to me. I saw a debt collector on my credit report when called to find out what was going on I was shocked that it was for XXXXXXXX XXXX XXXX. The representative advised I do not owe rent but I owe a fee for not giving enough notice that I was moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I call to pay my bill, hold time over 3 hours. 

Even when I select for them to call me back Im still put on hold for 1 hour I pay my bill and they send a notification its not paid, I then have to spend 4 hours calling back on hold. 

No matter what time of day, its always 2 hour or longer wait

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Director XXXX, Perhaps my complaint is better handled by an Ombudsman. But, imagine my shock, when I received an unsigned letter from Card Services of Chase Bank. The letter, dated XX/XX/2022 ( received XX/XX/2022 ) informed me that all accounts were closed, including checking (... XXXX ) .which is the depository for my Social Security and subsequent dispersal for vital items ; including mortgage payments. 

There was no explanation other than a recent review, believed in our mutual interest ( I had not part in the mutual ) to close accounts due to inappropriate conduct with our employees. I know none of their employees. However, there certainly was a problem in early XXXX when a Chase employee in XXXX, XXXX screwed up a rather simple balance transfer meant to consolidate debt between a {$1600.00} account with XXXX XXXX and {$4400.00} with XXXX  XXXX XXXX 

The call for consolidation was made at one time, but ended up being interpreted by Chase as two requests : one at 0 % APR ( {$1600.00} ) and the other ar 8.4 % Variable Rate. Subsequent calls to Chase employees in XXXX, XXXX got the situation straightened out and horrible penalties reversed. No body bothered to check with me. 

I do not know Chases problem with training of employees in XXXX, but it clearly was not my fault. Conveniently, as stated in a letter dated XX/XX/2022, We were unable to review the conversation between you and the Chase specialist regarding the ( sic ) balance transfer due to a technical issue. ( Maybe training? ) Apparently Chase has resolved their technical difficulties and is currently practicing a new practice similar to red lining. This time, however, they cancel peoples accounts, but leave them listed with a XXXX circle. Very creative Chase!!! 

Anyway XXXX XXXX, though Chase clearly has training issues in XXXX, personnel in XXXX are outstanding and work in a customers interest. 

I would like their ( Chases ) decisions reversed to acquire time to move my accounts. I believe they owe me an apology for their mistakes, and all of the hours I spent on the line due to their ineptitude. Thank you XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened this store credit account to purchase a couch from XXXX 's XXXX XXXX on XX/XX/XXXX in the amount of {$890.00}. I made continuous on-time payments and eventually saw that fraudulent purchases were made on my account. 

After realizing this, I took care to contact Wells Fargo in XXXX to let them know of the fraudulent charges made. I spoke with a representative who made a report and claim on my behalf, and assured me I would be contacted back about this. Fast forward 2 months, and in XXXX, I notice more purchases made on this card which I had assumed was frozen/closed. 

I contacted Wells Fargo a second time to express my distrust in their security and also made another claim to let them know I had only ever authorized XXXX purchase in my home city. Who needs to buy furniture in XXXX different cities? 

I received mail stating that on XX/XX/XXXX, XXXX " miscellaneous debit adjustments '' were made on my account after I had formally closed it in XX/XX/XXXX. This tells me that my fraud claims were denied and dismissed. 

I called Wells Fargo again on XX/XX/XXXX and asked to reopen my claim. I have no faith that Wells Fargo will honor this, and I should not be held responsible for purchases I did not make. I can only hope that by making this report, I can deter anyone from using Wells Fargo 's credit lines offered in XXXX 's XXXX XXXX. Especially due to the fact that their store credit cards do not have expiration dates, nor CVV codes on the back to verify the cardholder 's identity. Anyone could simply guess a credit card number, and it would eventually be approved with no resistance. 

As luck has it, I'm in the middle of the process of purchasing my first home, and I am dealing with fraud at the same time.

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 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i tried to dispute the debit but i got no where i need your help to contact midland credit management to wipe my debit clean iam too poor to pay this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is letting XXXX report inaccurate information it has been past 30 days with no response from the company and they have failed to take action. The letter was sent certified XX/XX/XXXX and I have not received verification from the company by law this account must be removed. I called today XX/XX/XXXX and spoke to XXXX XXXX and she told me there is nothing I can do and agreed this information should be taken off my report but there was nothing she could do on my end. Equifax is reporting a past due XXXX dollars and has the account as opened as well as the monthly payment being incorrect. It also shows a balance of XXXX dollars when the account is paid. This is my last exhaust to remove this account from my credit profile it has had last effects on my personal life and me being able to move on to the next chapter of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the XXXX time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last yearXXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. 
PLEASE HELP ME WITH THIS ISSUE!! 

Respectfully, 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a bankruptcy that does not belong to me showing up on my credit report and background check. I have sent the request to experian, XXXX and XXXX to remove.

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 2022-04-04 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: Experian Information Solutions Inc.
State: CA

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

XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXe # XXXX Loan me # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX 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.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to make a purchase using a {$25.00} AmEx gift card at XXXX XXXX 's website. The order was cancelled so I attempted to put the balance on my XXXX XXXX account. After several attempts without success, I contacted AmEx customer service. They told me to wait until a specific date ( XX/XX/22 ) for XXXX XXXX put the money back to the gift card. I waited and tried again without success to put the card on XXXX XXXX so I contacted customer service again. They told me that the card was locked after too many attempts but that I should try again the next day. I waited several days and tried again with no success, so I contacted customer service once again. They said a supervisor would contact me but I received no such call. I tried a second time on XX/XX/22 and was told a supervisor would call me within XXXX hours. No call ever came so I tried to buy a XXXX XXXX gift card today but the card was declined. I tried calling customer service again today but was disconnected after XXXX minutes. I have now spent more than XXXX hours trying to use a card that can not be used and the company will not either send a physical card or cancel the current card and offer a new card. I am now out of the {$25.00} value unless this Bureau will help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I paid of my car loan with Chrysler Capital. The account was subsequently closed and confirmed that I had paid off the car loan. On XX/XX/2022, the Chrysler Capital auto pay system deduced {$400.00} from by bank account as a scheduled payment, although the loan had already been paid off. 

I contacted Chrysler Capital on XX/XX/2022, who pulled my account, and verified the loan was paid off on XX/XX/2022. They were unable to find a record of the auto payment on XX/XX/2022, even though I had the payment confirmation number to provide them. They told me they could not explain the charge, and could do anything. 

Chrysler Capital is continuing to make unauthorized withdrawals from my bank account for a loan that does not exist, and I can not stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is complaint number 4 for the same issue. I am now ready to get the media and an attorney involved on this matter. Chase continues to " lose '' my payments that are coming from a 3rd party payer, XXXX XXXX, due to the fact I am XXXX  XXXX and can not work. The payments are being sent correctly to the right address and are not being applied. I am being charged late fees, which WILL NOT be paid by me. Chase has inconvenienced me tremendously and my health is suffering due to the added stress. If this is not handled for the LAST time, the next time they will hear from the media and my attorney. Due to the Americans with disabilities act, I am not responsible for fees that happen because of something I can not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX, I have been a long time card holder of Capital One ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for Capital One. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to Capital One in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with Capital One has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and XXXX updated to remove the 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: The CMI Group, Inc.
State: AL

Complaint narrative:
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management sent abusive letter to sue on around XX/XX/2022 via USPS. I do not have an account with Midland Credit Management. Company is telling consumer that {$820.00} is owed to them and that they are the owner of the account. I have not verbally nor have written any agreements with this company. 

I responded to Midland via Certified Mail. Letter was created to Midland and they received certified mail on XX/XX/2022 asking to verify the account. Also, a Lawful Notice of Demand to respond was sent after the first letter. As of today, no response from Midland has been received for the account XXXX. 

I am unsure as to how they received contact information and has abused me with their letter. I have and am requesting the original contract with this company.

Company response to consumer: Closed with explanation