vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC
State: NY

Complaint narrative:
CSK FINANCIAL company I never have an agreement or signed and business with them. they obtain my personal information on a charged off personal debt and caused damage to my life because my credit score is my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I was offered a position at XXXX. I accepted and continued on to complete the documents needed to pursue the hiring process. I then was sent a email to submit a background check, I complied and completed it. I received the background check report back the same day and I noticed an extra charge on my record that I have no recognition of. It also couldve been my mistake while entering the information due to the glitching of my screen but Im 100 percent sure the extra charge is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: PA

Complaint narrative:
charge off Profit/Loss write off ... still reporting a balance due. Different DOLA dates, date of last reported, date last active, date opened. Inaccurate data reported, requested A debt validation have not recieved, told debt collector agency send debt validation FCRA violations are subject to {$1000.00} per violation payable 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 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The car was totaled in an accident. The payment was made to bring the account to a XXXX  balance. On XX/XX/XXXX it was reported that a payment was missed when in fact the car has been paid off. When I called to speak with a representative she was very incompetent and rushed me off the phone. In the future, please avoid doing business with the institution if possible.

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Sat XX/XX/XXXX I attempted to purchase a product for marketing my business. The product was a XXXX motorcycle that I figured would be a great Sales incentive for my company. At the dealership I called Suntrust to approve the transaction as I knew it would surpass my daily limit, they ( employee named XXXX ) said no, I asked for supervisor ( XXXX ) which also said no. I told them ( XXXX and XXXX ), that this was an indication that I would not be able to do business with suntrust if thats their attitude, I apologize to the vendor and paid XXXX $ to hold the bike until I could walk in to get a cashiers check. Upon leaving I try to use my card again and I get denied. After multiple attempts to use my card I got error messages denying me from my checking the account. I also was told I could not speak to any additional supervisors and I had been now placed on no debit, by an employee named XXXX, this was a third call. I told XXXX that I needed a supervisor because this was unacceptable, I called to get approval and Im then resulting blocked from debits? Thats strange I thought, but XXXX said all supervisors where busy I asked her to have one call me. They didnt, 1 hour later I call back and find out from an employee named XXXX that it has been frozen due to suspected fraud. Not only is that insulting but its almost robbery. I asked to have a purchase cleared, pre purchase in respect to their rules and I end up with a frozen account and a fraud accusation. Can you help

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 2021-08-14 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: TX

Complaint narrative:
I contacted TransUnion on multiple occasions since 2018, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws with govern them for financial gain from these false reports. I will also have a complaint filed with my State Attorney General.

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 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The scheduled auto loan payments automatically paid monthly through ebilling. The last payment was taken automatically but did not take the overage. The access amount and fee totally {$27.00} was waived but now it is showing up on credit bureaus report as late. I disputed to Bank of America and all three bureaus but Bank of America dispute department said it was accurate. I am unable to speak to someone directly to explain. I have never made a late payment and have excellent credit until this {$27.00} late payment is showing up after the account has been paid and closed.

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
inaccurate data reported XXXX, Charged off account still reporting a balance.. FCRA violations . Date last reported, date opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Creative Finance, Inc.
State: WI

Complaint narrative:
After receiving chapter XXXX discharge in XX/XX/XXXX, Creative Finance at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX WI failed to update correct information. It shows on my report as follows. It's appearing under ACCOUNTS>CLOSED ACCOUNTS, ACCOUNT TYPE installment loan, BALANCE $ -, PAYMENT STATUS current, ACCOUNT STATUS closed, PAYMENT STATUS included in chapter XXXX bankruptcy and XXXX PAYMENT HISTORY shows as negative items because they have it listed as XX/XX/XXXX 30 DAYS OVERDUE, XX/XX/XXXX VOLUNTARILY SURRENDERED and XX/XX/XXXX as NEGATIVE. I have disputed it, contacted Creative Finance via phone and mailed them a written request asking them to please remove or update payment history because it's directly affecting my ability for a fresh start, it's affecting current and future credit reports and scores, having a direct impact on my ability to obtain loan in future, interest rates and is continuously affecting my future every day it's on my report. XXXX will not allow me to dispute it again and Creative Finance will not respond to verbal or written requests. I have been forced to contact legal counsel in attempts to get this matter resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: WA

Complaint narrative:
I added a boost to my cash card for {$30.00} off a purchase of {$30.00} or more anywhere. I contacted cash app to make sure my {$30.00} purchase would qualify many days before the boost was set to expire. I communicated with them that I did not see any information about minimum purchase requirements when clicking on the boost. I asked them, specifically, on multiple occasions whether or not my purchase would be eligible and they would not give me a straight answer. Not until after my boost expired. Then they finally said that the purchase needed to be {$30.00} or more. I wrote in several times asking for this information and they withheld it from me until after my boost expired. I even suggested to them that I felt they were going to wait until after my boost expired then tell me my purchase didn't qualify for one reason or another. I suggested this BEFORE my boost expired. They proceeded to do exactly what I said they would. I don't know what I could've done differently. I made an effort and contacted them several times only to be met with copy/pasted nonsense that didn't pertain to my situation or answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mediation Recovery Center
State: TX

Complaint narrative:
I received a letter from Mediation Recovery Center for a debt I owe to XXXX Bank. The letter states, " If we do not receive your first payment by XX/XX/2021 we will review your account and proceed with appropriate collection efforts in accordance with state and federal law. '' In the state where this original account was opened, which is Texas, debt collection agencies can not threaten us with legal action. I'm not opposed to paying the one time payment but that statement offended me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Hire right is a background reporting agency that reports information based on federal law. The employer is requesting a 10 year criminal report with the location to be hired in new mexico and used a texas location for training. What is the law that is supposed to be followed. The charge happened in XXXX and the conviction in XXXX. What is the 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage reported my mortgage as delinquent by 120 days when I was in Loss Mitigation. There was a processing error on their part but I was told while it was being reviewed for Loss Mitigation that it would not be reported negatively on my credit report and I want it updated. My attempts have been unsuccessful and with Covid the call volume has been extremely high.

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 2021-08-14 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: NH

Complaint narrative:
Hello! 

On XX/XX/2020, I had received a payment via XXXX for some online marketing I would do for some friends that I had met online. There were two payments on the same day from " XXXX XXXX '' for {$100.00} and {$100.00} which I have included screenshots of. Two days later on XX/XX/2020, I had received notice that " XXXX XXXX '' had reported these charges to his bank account as fraud in an attempt to get his money back after the online marketing I had offered was already delivered. People often do this in order to get their service/product along with their money back in the online world. Along with this my accounts were restricted and could not be used until the investigation was complete. After days of calling on XX/XX/2020, I was able to get a partial amount of my bank funds with them transferring {$4600.00} to my savings account and closing the account resulting in me receiving a check in the mail later that week. On XX/XX/2020, after days of contacting Capital One and doing my best to work with them and prove my case, the verdict was decided that " XXXX XXXX '' would get his refund for the payments he had sent. This is not the issue, after I was notified of the refund, I was also told that my bank account will indefinitely be frozen and they would not release the funds to me under any circumstance. However, I had exhausted all of my efforts in order to retrieve the rest of my bank funds but was now being told that they couldn't give me anymore information on the situation and that due to " suspicious activity '' they wouldn't be releasing the money. The bank account is still open and I receive bank statements and monthly interest on the money in the account. They had told me that after a certain amount of time if the bank account remains inactive it will be closed and they will be keeping the funds for themselves. This seemed very odd to me and caused me to believe this was not legal nor ethical. There is still {$9200.00} in the account that I would like to recover as it rightfully belongs to me. I do not believe that Capital One has the right to hold all of my money until they will inevitably be able to keep it due to a {$200.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed all of my bank accounts without any notice. I only learned of the situation when I received a notification that an automatic payment did not go through. I called Customer Service and they asked why I was calling - I stated that I needed them to tell me why I was calling given the issue with the payment. After a very long hold, the person informed me that my account was restricted and she had to transfer me. Again, explained the situation and was placed on hold and then informed that they had cancelled all of my accounts. When I asked why, she said she was not sure. When I asked how to get the {$50000.00} out of my accounts, since I tried unsuccessfully to access them prior to the call, she put me on hold again. She then said that the bank would send me the money. I asked when and she did not know. I asked if it could be overnighted - she did not know. She put me on hold again and then said I could go to a branch and get the money but they will need to call in to get a special code to release the funds. Asked again for clarification - you closed my accounts but I cant just go to the bank to get my money? She said yes. My husband went to a branch, asked to withdraw the funds, and was told they couldnt release the money and would need to call to get approval and that it could take hours. The banker said they would call when it was completed. That was on XX/XX/XXXX and it is now XX/XX/XXXX. I am not able to access or transfer any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.

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 2021-08-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, Infiniti Financial, AKA Nissan Motor Acceptance Corporation ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: TX

Complaint narrative:
I contacted Equifax on multiple occasions since XXXX, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws which governs them for financial gain from these false reports. I will also have a complaint file with my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: FL

Complaint narrative:
The first set of dispute letters were sent in on XX/XX/2021. It has been more than 30 days and no response. I have reopened the investigation and submitted the letters again.

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 2021-08-15 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been penalized from BB & T Bank with my credit card card account being closed due to unauthorized payments / purchases when my account had been taken over due to Identity theft. Instead of changing the account number BB & T closed my account and banned me from the bank that I always paid o time and in full. Also BB & T hasnt updated my credit report balance as of XX/XX/2020 with XXXX showing a balance of {$6300.00} and XXXX a balance of {$5200.00} and XXXX with a balance {$100.00}.

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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX   HAS BOUGHT AN OLD, 15 YEARS OLD, WRITTEN OFF CLOSED ACCOUNT OVER 15 YEARS OLD AND REFUSES TO REMOVE THIS FROM CREDIT REPORTING AGENCIES AND WHEN I TELL THEM TO STOP THEY JUST SELL THIS OLD CLOSED WRITTEN OFF, CLOSED ACCOUNT TO ANOTHER COLLECTION AGENCY OVER AND OVER AND OVER AGAIN!
I HAVE CALLED THEM, WRITTEN THEM, EMAIL THEM AND THEY ALWAYS SAY "OK WE WILL REMOVE THIS ACCOUNT" BUT THEY JUST SELL IT TO ONE OF THEIR OTHER COMPANIES.
THEY ARE VIOLATING MY RIGHTS UNDER THE "FAIR CREDIT REPORTING AND COLLECTION ACT. OVER AND OVER AGAIN!

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