vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I received a second notice from XXXX  stating an account was sold to them XX/XX/2022 and the new owner is XXXX XXXX XXXX I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced 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 2022-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. 
On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. 
On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX I received a letter from a Debt Collection Company stating that they were trying to collect a payment from a dental office. I never received a bill from the dental office. The dental office later sent me a letter that I owed a fee, but the letter was on XX/XX/XXXX and labeled as Delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: AL

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 2022-10-01 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: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX, 2022 I ordered sandals XXXX XXXX XXXX XXXX, owned by XXXX ; by mistake I ordered another pair. They were advertised on their web page to be priced at {$72.00} less a discount of {$29.00} for a final cost of {$45.00} including {$2.00} tax. When they arrived it was shown that I was being charged a total of {$61.00} for each pair. I felt this to be a " show & switch '' & neither did I care for the sandals. I immediately requested a prepaid return label and XXXX sent me two XXXX  prepaid labels. # XXXX was for order # XXXXXXXX XXXX tracking # XXXX XXXX XXXX dated XXXX XXXX # XXXX was for order # XXXXXXXX  XXXX tracking # XXXX XXXX XXXX dated XX/XX/XXXX. The charges were made on my Citi XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX contends that I sent back only one of the pairs of sandals.This has been " back and forth '' between me and Citi Card since XXXX. I have sent them documentation copies of the return labels and receipts from XXXX. I sent them once by certified mail and again by regular mail. I have requested that either or both Citi Card and XXXX use the tracking numbers that I sent them to further verify my return of both pairs.Citi Card as a final outcome have stated there is nothing further that they can do and have only credited my account with the one {$61.00} charge.

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 2022-10-01 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage was in a forbearance status. Carrington Mortgage Company reported to XXXX that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Multiple fraudulent Bank of America inquiries on my credit report I have never applied for a Bank of America checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank of America declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank of America and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a Bank of America hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank of America.

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 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
I was informed that I had a previous debt with XXXX and I was resolved to pay it off since it was a small amount but then I thought the bill was not mine so why should I pay it. I filed a complaint and requested that they send me a final bill so I can rectify the bill while all along I had no intentions of paying a bill that was not mine this bill was at an address I never lived at and plus at the same time I was living at another address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: GA

Complaint narrative:
My mortgage was in a forbearance status. XXXXXXXX XXXX XXXX reported to Experian that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/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 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I had an account at Jp Morgan chase that was closed due to possible fraud, after a frustrating process, they closed the account and states that the entire balance will be retuned to me. After they close the account, the bank returned only XXXX, I am missing about XXXX dollars. I have tried to reach out to Chase and all I have was the run around from the fraud department about why I am having a difference balance that was deposited into my account. When I called on XX/XX/2022, I was informed that this amount was supposed to be a check refund to me from the XXXX company of XXXX. I was informed that I was supposed to have 3 checks in the amount of XXXX dollars each. However, this is not the case. The XXXX dollar was a rent check that was made out to my mother, which deposited by mistake into my personal account under my own name. I have tried to resolve that issue with chase, but they insist on either my mother to verify the check or have the Tenant do a recall. I managed to have the tenant agree to do a recall, however her bank refused and stated they can only do a dispute which will take 3-6 months. I have informed chase my mother lives overseas and have no way of being able to verify that check unless they are able to contact, which Chase states they are unable to make international calls. I just want the XXXX that was owed to me, deposed into my account in the full amount. Chase has made this progress incredible difficult and have offered no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX at Bank of America are illegally and with malice providing false information on the payment status of my account to XXXX XXXX XXXX  a utility service providing payment services for the XXXX XXXX XXXX XXXX where I own a vacation property. Bank of America is illegally holding ACH Deposits that should by law be deposited within 24-48 Hours for up to 6 Days in an attempt to cause valid payments to be bounced or late. False Data from Bank of America Transaction ID reference number Bank of America Transaction ID XXXX {$140.00} On : XXXX falsely reported the Merchant as NSF Bank of America Transaction ID XXXX {$40.00} On : XXXX falsely reported the Merchant as NSF Bank Complaint Ticket Number -, XXXX Bank of America Agent XXXX, Supervisor Customer Service Fax sent to Bank of America r Fax Number - XXXX XX/XX/2022 Bank of America is : XXXX ) Illegally holding ACH Insurance Annuity Deposits from XXXX XXXX XXXX ( XXXX ) for 5 or 6 Days that should legally be reflected in the account within 48 Hours 2 ) XXXX XXXX Nationalists working for the Bank are manually changing Deposit Dates in the Account to force the appearance of a " Negative '' Balance when there are in Fact XXXX  of dollars available XXXX ) Sending False Data to companies like XXXX XXXX XXXX and even changing the dates of withdrawals on records to make it appear as though the withdrawal occurred 3 or 4 days earlier. This is illegal banking manipulation and a violation of ACH and FDIC guidelines for managing Credits and Debits. 
XXXX ) using illegal banking tactics and associations with other XXXX XXXX XXXX to attempt to ruin my financial standing and information because I am a XXXX The average deposits in the account exceed {$10000.00} USD. 

On : XXXX valid XXXX payments for {$40.00} and {$140.00} were falsely returned by Bank of America as NSF when the deposit from XXXX XXXX XXXX was made more than six days earlier on XX/XX/2022 ( XXXX ) and more than covered the debits. 
Despite knowing the account ending in XXXX had substantial funds to cover the utility debits Bank of America sent a False Notice of Insufficient funds to XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX who in turn took away my ability to pay using my Bank of America checking account or any checking account like other customers. 

This is illegal XXXX harassment of my Banking account and unfair and discriminatory treatment by XXXX XXXX XXXX and the 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 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an 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 2022-10-01 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: AL

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I got scammed for {$300.00} ( was not autherized ) on XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX through my Cashapp. Contacted support through chat many times ( which is extremely difficult, look at the time stamps of the screen shots ). I called them after a few failed attempts though the chat bubble, explained that {$300.00} with XXXX XXXX XXXX is fraud and I need it investigated/refunded. Girl on the phone sounded legit and gave me case # XXXX. But I looked today and it says refund declined ... {$300.00} really isnt quite my worry as much as holding Cashapp responsible at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I called EdFinancial Services loan provider back in XX/XX/XXXX requesting a refund in the amount of XXXX for payments made after XX/XX/XXXX. However, the customer service representative advised me that I should expect the refund to process in 6-8 months. This timeline is absolutely unacceptable in this economy as other loan providers are quoting 6-10 weeks. I suspect EdFinancial Services is delaying their refund process into next year so that they can charge/collect interest from borrowers after the interest freeze. This is unethical practice. Essentially, I paid off all my loans in the amount of XXXX in XXXX to avoid paying interest. EdFinancial Services understands this and plans on reinstating my loans until XX/XX/XXXX so that I end up paying interest all because they took " too long '' to reinstate my loans. Please help us consumers. With that said, EdFinancial Services is taking advantage of borrowers who already paid off all their Direct Loans in full. 

In addition, I am unable to apply for student loan forgiveness with the Department of Education until the refund is processed. 

More context : My loans were paid in full with XXXX XXXX XXXX. With that said, my information was transferred over to EdFinancial Services. In other words, EdFinancial Services can only find my account in their system through XXXX XXXX XXXX. This might help when you reach out to EdFinancial Services. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Multiple fraudulent XXXX XXXX XXXXXXXX inquiries on my credit report I have never applied for a XXXX XXXX XXXX checking account. Ever. 

XX/XX/XXXX Received notification from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called XXXX XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. 
Now it is XX/XX/XXXX and again received notification of a XXXX XXXX XXXXXXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My card was stolen XX/XX/XXXX, and I didnt know about it until it was I seen the charges. I called one of the locations the card was used at and I reported it to my bank and they are denying my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01 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: CO

Complaint narrative:
Remove these names immediately from the personal information section on my credit file. I have NEVER been known by these names! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove these addresses from my credit file under the personal information section on my credit file. NEVER lived there! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
I have never been contacted by or communicated with these two companies : Phoenix Financial Services LLC and XXXX XXXX XXXX. XXXX. I first discovered them while monitoring my credit reports in XX/XX/2022. I immediately sent them a letter disputing their claims. They claim I owe {$1200.00}. This is not accurate. I owe them nothing. I have never received any services from them. I'm a XXXX veteran and receive 100 % of my medical care from the VA and have done so for the past 25 plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I am reaching out today XXXX, because of a deposit of a postal money order I made on XX/XX/XXXX. I deposited XXXX $ worth or money orders into my checking account. The money was to pay my rent which is due XXXX. The deposit was held for 7 business days due to an exception hold. I am not a new customer. I am in dire need of the funds or I will be evicted from my apartment. I spoke with representative XXXX in the deposit apartment at XXXX PT and informed him of my situation. His snark attitude threw me for a loop. He explained he can not help me with the hold. I asked nicely to speak with a supervisor with which I was met with disdain and an uncooperative attitude. I was told I would not be able to speak with a supervisor as they would reiterate what he said. XXXX cut me off while I was talking and was being rude. I threatened to call CFPB which motivated XXXX to get his supervisor on the line. I then spoke with XXXX, who is the floor supervisor. She advised me that due to being a XXXX, my postal money order was unable to be verified and the hold would remain for 7 business days. If I dont pay my rent by the XXXX I will be evicted and homeless. 

Is there anyway I can have access to my funds by the XXXX to pay rent? 

Thank you

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