vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Per XXXX XXXX XXXX, Portfolio Recovery Associates is not licensed as a debt collector in my state of Illinois. They only have an consumer installment loan license. This license authorizes the following activities XXXXXXXX XXXX XXXX  Purchase of retail installment contracts XXXX of motor vehicle retail installment contracts Title-secured lending NOT Debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I tried making a payment on this account multiple times last year and I could never access the system. The creditor could not pull up my information and when they found my name in their system the refuse to speak with me because they adviser the date of birth on file and social does not match what I provided to them verbally. This accout Has caused my credit to drop significantly and has also hindered with creditors. I would like this account removed from my credit reports The creditor is FORTIVA XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My mortgage payment went up more than what I can afford because XXXX XXXX XXXX who initially processed my home did not prorate my taxes correctly even though they had the appraisal and even after I questioned the amount, they had vs the appraisal. 

My payment went from XXXX to over {$2500.00} a month. I have attached a letter and documents for your review. 

Thank you in advance. 

PS, issue started with XXXX XXXXXXXX XXXX and ends with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXXXXXX $ XXXX {$900.00}, XXXX XXXXXXXX {$300.00}, XXXX  {$130.00}, XXXX. These cards were open in my name without my permission. I pay cash for everything I own. I dont believe in cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I am currently. a victim of identity theft my information was stolen in XXXX data breach. I never open. up this account in my name the credit report agencies removed this account, but it appears back on my credit report. I certify that i am permitted by Federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 USC1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This Collection found on found within my credit report are not related to any transaction i made. I am alleging that a person or company- without my authorization used my personal information to apply for good services, or money and was successful in creating some accounts all being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
I am a 100 % Total and Permanent XXXX veteran. As a result, I am exempt from paying taxes on my mortgage. The exemption shows up on the XXXX XXXX XXXX XXXX and I've provided the Mortgage Company with all of the tax exemption paperwork before my first payment was made. But the mortgage company, Benchmark Mortgage is still escrowing my account and adding tax payments. Each time I contact them to dispute and discuss the topic, I'm put on hold or the telephone disconnects. 
I've given up on trying to resolve this issue with them. 
To date, taxes are still being included in my mortgage payment. Filing this complaint was my only option as I am not getting any cooperation from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was unfortunately scammed over {$19000.00} last year by a company called " XXXX XXXX  '' i had sent my funds through Coinbase. Please refer to the attached letter for more details. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
Problem is the Experian incident just reported. Just notified by you that their investigation has been completed although incorrect info is still on report. This is after their being notified by me at least twice with supporting documentation and by the company involved at least once. Since this seemingly lack of serious investigation by this reporting agency can not be unique to my situation and this behavior does impact an individual 's ability to make decisions that are not negativity impacting them, I am going to look into the possibility of initiating a class action suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I recently rejoined Regions Bank on XX/XX/XXXX. I opened a checking account in the savings account. The issue that I'm encountering with Regents is with their online platform. It will not allow me to use XXXX XXXX XXXX It will not allow me to use XXXX XXXX and it will not allow me to use check deposit services. I'm receiving an error message when I do it online with their online website. I received an error message saying we're unable to complete your request at this time. highlighted in red. And then, when I do it on my mobile app for regions, it gives me the same error message but with the error code XXXX. I have tried calling the regions online. Electronic banking team, no one seems to be able to help me. One agent stated to me that my online credentials may need to be purged. But the call got disconnected, and I'm trying to call back again to get an agent that understands what I'm talking about. No one seems to understand what I'm talking about. But they work in the electronic mobile banking department, which is absurd. I don't understand how you work in that department, and don't know anything about online. So at this point, I'm really frustrated, and I would really like for someone who knows how to deal with the online servers for regions to assist me in regaining access to the bill-pay services. The XXXX XXXX also the mobile check deposit service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: MN

Complaint narrative:
They are not applying my payments timely, then sending texts and emails stating missed payments. They will likely attempt to report negative to my credit report. I notified them of payment had been made timely, and they simply repeated that they do not have my payment, despite having proof of payment, with confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My husband passed away XX/XX/2015. Investors bank would not help me or work with me. I asked them to put the few months of mortgage that I owed onto the back end of the mortgage. Instead they did everything they could to foreclose on me. Which they did. I hired a law firm in california and they said to file for bankruptcy to save more time, but they just took my money and now I have a dismissed bankruptcy on my credit file. 
I have all of the information, documents, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as 7 %. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on 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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They gave me XXXX over drift fees XXXX times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX dollars of late fee due to their system issues and I paid my balance down to XXXX dollars. I don't feel I should be penalized for their system errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My funds were often frozen after I deposited them and I was unable to access them for a long time. My ex husband was allowed to overdraft on my account even though he was removed as an account holder prior. My account was wrongfully charged monthly fees even though I used my debit card more than 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 2023-01-17 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: TN

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

XXXX5 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I cashed out reward points earned through my AAA VISA credit card. When the check was delivered, the postal worker ( probably a substitute ) placed the check in my newspaper box ( which was clearly labeled as such ) and not my mail box. As I had canceled my newspaper subscription, I did not check that box for quite some time. On XX/XX/2022 I happened to check it and discovered the check in question. It was dated XX/XX/2022 and expired 90 days later. As the check was " stale '' I contacted Bank of America to have it reissued ( they issued the check ). They claimed the AAA VISA account had been sold to XXXX and they ( Bank of America ) no longer had any record of it. They insisted XXXX was now responsible for the stale check. I contacted XXXX and they ( XXXX ) indicated it was the responsibility of Bank of America and that they ( XXXX ) had no record of this check. Neither bank accepts responsibility. I have possession of the stale check, issued by Bank of America, for the amount of {$50.00}. 

I want Bank of America to reissue a check in the amount of {$50.00} and mail it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the 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 non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sir or Madam : This involves 2 credit cards issued by Capital One in which i was charged a late fee of {$28.00} for each card in XX/XX/2022. 

Card one : Capital One Platinum XXXX Card two : Capital One Walmart XXXX My due date XXXX fell on a Saturday. When i attempted to make payment on XX/XX/XXXX - their calendar date only had the following Monday and process date of Tuesday because banks do not process payments on weekends. I filed 2 separte complaints with the XXXX  and one with Texas Attorney Generals Office of Consumer Complainst. All went unanswered and cases were closed. I also called XXXX and they refused to issue me credit. 
I in good faith attempted to pay on my due date and was charged a {$28.00} late fee. I am requesting that a refund be issued to both my credt cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had multiple overdraft charges at times over XXXX. I closed my account after multiple calls overdrafts nsf fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There was a settlement reached with Wells Fargo Card services on XX/XX/XXXX and XX/XX/XXXX. The balance is being reported incorrectly and does not reflect the settlement of XXXX  nor does it reflect the balance after payments have been made. 

On XX/XX/XXXX Wells Fargo reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX this incorrect information. This has adversely effect my credit score and reduced my score by XXXX XXXX. I am now unable to apply for a business loan that I was pre approves before the adverse reporting. Wells Fargo is incorrectly reporting a balance of {$5800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: FL

Complaint narrative:
I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo charged me over {$800.00} in fees and when I said something they said they couldn't go back more than 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Ive signed a contract with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The financing is done through Exeter Finance LLC. Now Ive had problems with this car since a week after driving it off the lot on XX/XX/XXXX, where it states on my diagnostic through the vehicle that nothing is wrong but a check engine light came on that same day like it was hidden in the system. I also have proof that my odometer was rolled back by 45 miles prior to selling me the car. I also had a warranty added on that I was not notified about that was active for two years that wouldve helped but based on my research they are a scam company and do not pay out when it comes to replacement repairs. I have also been put into financial hardship further with this car because my car payment on contract is {$340.00} with interest rate of 28.99 % but with contract with XXXX  XXXX it says {$340.00} with interest rate of 27.99 % and was told that this was a relatively low number especially with a co-signer and a required down payment by the dealership. I am honestly upset by how to the untrained eye it can look like my contract is great but to those who are experienced in the vehicular industry have said Ive been basically sold a dream.

Company response to consumer: Closed with explanation