vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check from my XXXX XXXX account to my Chase savings. I did it this way because it exceeded the daily limit for electronic transfers and I thought this would be faster. Chase shows the deposit as of XX/XX/XXXX. They placed a hold until XX/XX/XXXX. The check cleared XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the hold was extended until XXXX. None of the funds were made available at any point. My initial email was ignored. I emailed again on XX/XX/XXXX. The response I received was that they had indication that the check would not clear. I provided a copy of the cleared check and asked for more information at which point I was directed to their loss prevention department. After over an hour and 15 minutes of being on hold and the first person being unable to answer my questions, I was told that because they could not verify it had cleared with XXXX XXXX, they extended the hold. There was no indication. This was a local check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
I purchased a new XXXX XXXX and financed it from VW Credit. I owned and drove the XXXX for 7 months and it was then totaled. The value of the car was XXXX and I owed XXXX and they are now saying I get none of the money back from this accident. So the value of the equity I had in the car was not mine it was theirs as the owner of the car. I said if I purchased the car from them what would I need to pay them, they said XXXX. So I said I would get XXXX to give me the check and I would send XXXX to buy the car. They said that would be fine, but since they know it was totaled XXXX is required to send them the money so I would not get any back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: IA

Complaint narrative:
following inquires are on my credit report and per usual they are worthless in resolving the issue XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-01 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX XXXX and XXXX XXXX Email : XXXX Call XXXX To whom I may concern, Our name is XXXX and XXXX XXXX We are disputing BB & T bank do to XXXX from XX/XX/XXXX to the present Care Act, Relief, deferment it shouldnt have gone to our credit Bureau As for the governor in Pennsylvania requested . For the past 4 month they have been giving us a hard time. They didnt really help solve our problems. We are about to lose our new home and {$30000.00} we put down payment. We lost time on work and our XXXX to plus our XXXX had to take time off with no pay. If you have any question, please feel free to give us a call. 





Thank you XXXX and 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 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Hi I am unable to communicate with Acura Finance branch office for Illinois regarding my inability to see my current car lease online. The car finance company sends me a notification that my monthly lease bill is ready but when I login into my online account I can not see my vehicle ( says it is registered to a different account ). I am set for auto payments so they are deducting my payments, but I can not get my monthly bills. I tried calling their branch office but they have a 50 minute wait. I waited on the phone more than once trying to reach them but they never connect the call and keep you on hold with no way to talk to anyone. I tried to contact the dealer as well as the Car company but they have no way of connecting with the Car finance company. At this point I am not able to find any way to connect with them to fix my online account so that I can transact with them and retrieve my monthly bills. Please help. 

Thanks & Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one asked me to verify my deposit now they are asking for more documents than my loan originator asked for this is unfair and invasive and a witch hunt that was triggered by a call from an ex girlfriend to them and she even told me they discussed specific information about my account with her which is against the rules. I intend to seek legal representation. I will gladly provide the cfpb with documentation verifying the deposit belongs to me. I will also provide a statement showing the disbursements with the last 4 of my capital one account showing. The Sba even approved my loan forgiveness application sba  # XXXX  and sba # XXXX ( screenshots below with loan numbers and my email address ) so therefore capital one is unlawfully holding my funds. I contacted the i team as well. Furthermore my account reflects legitimate use for ppp funds which is rent for a part of my business- not that I have to explain that to my bank because it has already been explained to lender and sba and approveed which is reflected below in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: ERC
State: AL

Complaint narrative:
Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 
My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when Ifollowed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. ERC has been fully paid even after they received payment and did not prove I owed the alleged debt, they continue to report this entry on my credit report making it appear as if I still owe this debt. This is further diminishing my creditworthiness. 

Why did they not provide a copy of the ledger to reflect any payments to them? 
Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2021-11-01 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I hired the housecleaning service XXXX to clean my apartment on XX/XX/XXXX, but they notified me via text before my appointment time that their worker was unable to make it, and they needed to cancel my appointment. And so they never showed up. This was just as the Covid pandemic was starting. At the time, I was not charged, and thought that was the end of the matter. Note that my phone only stores text messages for six months, so I do not have their text cancelling the service. When I used their service prior to this, they asked me sign something to verify the cleaning had been completed ( obviously this time I did not sign anything, as they never showed up ). 

Then seventeen months later, in XX/XX/XXXX, I was charged {$83.00}. I contacted my credit card company, Barclay 's, but was told I needed to first contact the merchant. I did text XXXX, who said they would " fix '' the charge, but they did not. Note I am including that text conversation. In it, XXXX says the cleaner completed the cleaning wrongly, which is *not* true- the cleaner never showed up. Nonetheless they said they would " fix '' the charge, but then nothing happened, so I then initiated a dispute with Barclay 's.

Barclay 's sent me a letter dated XX/XX/XXXX, saying they were rejecting my dispute. XXXX apparently provided to Barclay 's evidence that I had originally booked an appointment with them, but they did not and can not provide evidence that they actually showed up and cleaned my apartment, since they did not. They did not provide the signature they require when a cleaning is completed. But for some reason Barclay 's took this as " proof. '' On XX/XX/XXXX, I faxed a long letter to Barclay 's explaining all of this and asking them to re-open my dispute. But as of today, I had not heard back, so called to follow-up. I was told by Barclay 's that they did not re-open my dispute, but they could not tell me why. I asked to speak to a supervisor and was told it could take up to 15 days to receive a call back from one. I have already spent hours on hold and trying to resolve 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 monetary relief
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

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 2021-11-01 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: NV

Complaint narrative:
I have some negative reporting on my report from credit cards. But now the collection agencys have also placed negative information on report also! So for every card there is double negative reporting! Im being double slammed on everything! Its like reporting it twice! There are 4 derogatory credit card items but there is also 4 derogatory collection reports for same item!! How can they negatively report twice for same accounts?? Its ridiculous!

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have complained to Chase on XX/XX/2021 to stop sending me marketing offers for balance transfers and any other marketing promotions to my mailing address. I called them on the phone listed on back of my Chase Freedom card on XX/XX/2021. I was told it would stop in 1 month. Now 4 months later is still going and filling my mail box with trash. I got one on XX/XX/2021, XX/XX/2021 and XX/XX/2021. See attached letters. I want them to stop immediately. I am not interested and is annoying and they are harassing me with offers that are not useful. I want them to stop immediately or I will have to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MoneyLion Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: PA

Complaint narrative:
Collection account # : XXXXXXXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Received multiple voicemails from Commenity XXXX XXXX ( re : XXXX  ). Latest one was on XX/XX/2021, XXXX, calling about an account that is not in my name, but in a family member 's name. I do not live with or share any financial responsibilities with said family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX sold my loan to Planet Home Loan. I set everything up online to pay by XX/XX/2021 for my payment date. The withdrawal was supposed to take place XXXX. It has not initiated from my account and it's now the afternoon of the XXXX. I have called at least 5 times to Planet Home Loans. The phone line system is TERRIBLE. I can't get through to anyone, can't get a call back, and just get hung up on after waiting on hold over 10 minutes repeatedly. I can see that my payment is 'pending ', but nothing has happened yet. I do NOT want to risk a late payment, but I can't reach anyone. This is terrible customer service.

Company response to consumer: Closed with explanation