vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions charged me multiple overdraft fees even when accounts were hacked

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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/XXXX please mail to XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX THIS WAS KFA RESPONSE I WANT THIS MATTER TAKEN SERIOUSLY! 

In their complaint, XXXX XXXX XXXX XXXX Kia Finance America ( KFA ) issued him a refund check, in the amount of {$4000.00}, which was stolen from his car. XXXX XXXX states he has contacted KFA to request the check be reissued to him, but KFA advised the check had been cashed and would not reissue it. XXXX XXXX requests KFA reissue the refund check to him. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion regarding the refunds issued to XXXX XXXX. KFA issued XXXX XXXX refunds totaling {$4000.00}. KFA spoke with XXXX XXXX on XX/XX/XXXX, at which time he confirmed receipt of the refund checks, verifying the amounts and check numbers with KFA. Both checks were then cashed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted KFA, advising he had misplaced the refund checks, at which time he was advised they had previously been cashed. Should XXXX XXXX believe the checks were cashed by an unauthorized third party, he may contact KFAs Customer Service department, at ( XXXX ) XXXX, to have an investigation opened. 

THE FACTS IS TRUE I DID CAL KFA AND ASKED WHY WAS IT MAILED AND YES CONFIRMED RECEIVING BUT THEY WERE STOLEN OUT MY CAR BEFORE CASHING WHICH I EXPLAINED MY FAMILY NEEDS THIS MONEY THIS IS HUMILATION.JUST BECAUSE I RECIEVED AND CONFIRMED I GOT IT DOESNT MEAN I CASHED IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo today ( XX/XX/22 ) regarding my personal loan. The agent said Wells Fargo canceled my AutoPay and should have sent me a form to resubmit my ACH AutoPay from my checking account. I never canceled AutoPay. I do not authorize Well Fargo to cancel my AutoPay. I then asked to speak with a manager. I then spoke to XXXX in Virginia. She indicated she is the only XXXX in XXXX. While informing her I did not authorize anyone to cancel my AutoPay ( Bill Pay ), she interrupted me and said I was yelling. I have a right to express my anger and disappointment with Wells Fargo. I never requested cancelation of my AutoPay. Moreover, I was never informed AutoPay was canceled. As a result, I could have had a 30-day late payment on my credit report for 7-years due to no fault of my own. This would cause me signification financial injury. I did my due diligence to set up AutoPay correctly. If WF did cancel my AutoPay without my knowledge or consent, then this is a violation of the Unfair, deceptive, or abusive acts and practices ( UDAAPs ) and other consumer laws.

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 2022-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/XXXX Equifax said they could not complete my online application. I was told a " verification code '' would be mailed to me in 3 days. It is XX/XX/XXXX and I have not received it so I phoned, and the automated system was terrible, would not allow access to a live person to speak with. Instead a long list of dates and supposed credit card names and businesses were read nonstop and made no sense because not a single one of them was true. I have had my current credit card with for 26 years and have had no other one ( I had a couple in the XXXX that I cancelled ). It sounded like someone else 's information as though they had made a mistake and were not using my information. I got very upset by their system. 

For the first time I have requested from Annual Credit Report.com my 3 free reports and both XXXX XXXX and XXXX turned out fine. So Equifax is making me worry and I am XXXX  and have no one to help me. I have frozen those two reports because I received a letter of a data breach from my bank, and a fraud sounding letter that I did not reply to since it sounded absurd. I need to get the Equifax problem resolved and it is up to them to communicate with me. I have not been able to complete my request with them, online or by phone and with no one to talk to from their business, It is all automated unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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: EQUIFAX, INC.
State: IA

Complaint narrative:
This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. 

According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on XXXX XXXX 30 days late Date of last payment. 
Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
Equifax XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 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 Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am a XXXX individual whereby I receive my income once/mo at the beginning of the month. My credit card was opened in XXXX  with a due date on the XXXX of every month. I requested a due date change several times from XXXX to now and was denied each time without a valid reason. My credit was perfect until the pandemic and I should not have been denied a due date change in XXXX. Therefore, my issues are as follows : The due to my XXXX check/due date conflict caused my payment to be late. Since XXXX I have been charged {$1200.00} or more in late fees and I am requesting a refund. I have requested a list of late fee charges and a REFUND and to talk to supervisors to no avail. 
BOA responds but with a letter that does not address my denial for a due date change several times since XXXX when I opened the account. I need this addressed and a refund of all late fees. Thanks

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to withdraw 1 % of the funds in this account ( {$400.00} ) to have cash on hand due to hurricane season and hurricane Ian concerns and Capital One 360 would not authorize it and continued to place a restriction on accessing my funds even after I called to explain. I told them they leave me no choice but to transfer my funds to my former account. I initiated the transfer and they again, restricted all funds and said the transfers will not go through. I had to call again to complain and explain. This should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting a bankruptcy on my credit report stating that the data furnisher being the XXXX XXXX Michigan Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and has yet to remove this.

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 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
I applied with New American Funding almost a month ago. Their provided me a pre-approval for amount of XXXX as FHA. After a month, I received an Email from their representative, XXXX XXXX, XXXX XXXX, in regard to employment verification. I have emailed him back expressing my concerns that how they could pre-approve me about a month ago without fully employment verification. So, based on what he could give me pre-approval. Because XXXX and XXXX XXXX first gathered all information and then provided me the pre-approval. In addition, I provided all I provided to other lenders as well. As a result, when I received XXXXXXXX XXXX email about employment verification, I politely addressed my concerns and why I wouldn't proceed with them anymore. He called me from recorded line and due to high background voice, we couldn't talk. Then he called from his cellphone which was unrecorded line and wanted to explain that he needs to verify my employment upfront. I explained this not called upfront because you already gave me pre-approval and now it is verification after pre-approval. Before I finish the previous sentence, he stopped me and when I said let me finish, he said if I let you, you talk all day long. I immediately hanged up and called their complaint department and addressed my experience. As a person who is working in retail and dealing with customers, I never heard such a thing someone tells a customer, if I let you, you talk all day long. I am very upset the way he handled my lending need ( mortgage application ) and his disrespectfulness at the end. The company that he represents ( working at ) is New American Funding.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received a large envelope of documents from BoA attorney. They start XX/XX/XXXX when an FHA mortgage was forged against our property. What I requested was the FHA documents payments from XXXX to XX/XX/XXXX. HUD requires retention of ALL documents payments collected by FHA servicers Countrywide  XXXX should have them. BoA should have gotten them when they took over the shut down for fraud company. They need to send those.

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 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
On XX/XX/XXXX I disputed and denied a {$52.00} debt claim referenced XXXX dated XX/XX/XXXX originally in the amount of {$4.00} plus {$1.00} added fees and incurred on XXXX XXXX, XXXX. I provided the debt collector evidence that the original amount of {$5.00} was paid in full on XX/XX/XXXX. The information was transmitted by Email to collection Attorney XXXX XXXX at XXXX. She Email confirmed her receipt of my response at XXXX. I also mailed my response to the collection company via XXXX mail. 

On XXXX XXXX, XXXX I received a " SECOND NOTICE '' from the collector purporting that I " ... failed to respond to our correspondence and we are assuming that this debt is valid. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MI

Complaint narrative:
Experian is reporting bankruptcies on my credit report stating that the data furnisher being the XXXX XXXX XXXX Bankruptcy Court, which is false I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring services nor do they verify and validate any information concerning bankruptcies. Experian is falsely stating this information on my credit report and has yet to remove this.

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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 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 Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : 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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 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 Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This is the XXXX time reporting the same Chase account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that Chase was reporting inaccurate information and removed the account from my report. 

XXXX and XXXX have refused to do anything about it. There are so many differences between what XXXX and XXXX are reporting. 

According to XXXX, XXXX and Chase, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late XXXX 120 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 120 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 30 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 60 days late XXXX 90 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX 90 days late XXXX 60 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late XX/XX/XXXX XXXX 60 days late XXXX 120 days late XX/XX/XXXX XXXX on XXXX XXXX 30 days late Date of last payment. 
XXXX XX/XX/XXXX XXXX XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation