vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Issue with American Express and XXXX XXXX XXXX. Specifically, there overreach of removing funds from our XXXX account based on a mis-keyed web credit card payment for which we never received the funds. 

One of our larger clients office managers went to our website on XX/XX/2022, to use our after-hours online bill payment system. She was trying to pay an invoice for {$720.00}. By mistake she mis-keyed the amount as {$72000.00} and pressed the accept button. She closed the web payment system and marked the invoice paid. 

On XX/XX/2022, at XXXX I received a call from an individual from XXXX XXXX XXXX XXXX He described himself as a " fraud investigator ''. After confirming his identity, he asked me if a charge for {$72000.00} was valid. I told him that it was not and was most likely a mis -key. He told me that XXXX would be holding the charge and would be voiding it. He stated that no further action was required on my part. The only phone number that he left was a " XXXX phone number '' which he does not answer. 

The Vice president of my customer 's company called a day later and said that the charge of {$72000.00} was showing on their Amex account and he wanted to make sure it was removed or credited. At around the same time a charge from XXXX was put through on our account for {$2700.00}. We however never, I repeat never received the {$72000.00} in our account. So, XXXX debited our account but never credited us for the {$72000.00} mis-key. 

The ensuing conversations with XXXX were ridiculous. They refused to void or return the withdrawal from our account. They made our web processor process a refund, even though we never received the payment, and when we contacted a supervisor from Amex to speak to them regarding the issue, they told the Amex. supervisor " how do I know that you are really from Amex. Are you kidding me! 

Subsequent contact with XXXX proved to be fruitless. We filed a complaint with the FTC ( report # XXXX ) no response was received. 

XXXX is blaming the issue on American Express. So we sent a complaint to the CEO and Executive office 's of American Express. They never responded. 

We are asking that American Express through XXXX immediately return the withdrawal to us. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: IA

Complaint narrative:
I have been trying to resolve this issue since XXXX of 2020. However, The Best Service Company fails to respond to certified letters asking for Validation of alleged debt under FDCPA. Enclosed is a letter that was sent with no response back period. The amount currently being reported is {$420.00}. 

I have been subjected to emotional and physical damages. Under the FDCPA, I am awarded upto {$1000.00} per violation. I have maintained excellent records.

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 2023-02-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report. I notcied inquiries on there that I did not apply or authorized. I reached out to the credit bureaus no response. I want these inquiries removed immediately.

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 2023-02-19 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: NY

Complaint narrative:
On XX/XX/XXXX I applied for a car loan with the creditor. I was declined credit. They reported two hard inquiries on Equifax, one for XX/XX/XXXX and XX/XX/XXXX. I did not apply for two loans and there was no need for them to do two hard pulls 5 days apart. I contacted the bureaus about it and they did not investigate, they advised me that I need to contact the lender. I contacted the lender via email and called them. They responded that they would investigate. They then sent an email on another account that I hold jointly with someone else that had nothing to do with my application. I requested that they remove the additional inquiry as it is injurious to me and I did not apply for two separate loan request. As of XX/XX/XXXX they have yet to resolve this matter. And the credit bureau have not investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights The XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX XXXX XXXXs acoount # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C 1681 Seection 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 non-monetary relief
Consumer complaint received 2023-02-20 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX  account XXXX XXXX has violated my rights. 
XXXX account # XXXX has violated my rights XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX accout XXXX XXXX has violated my rights XXXX account # XXXX ; XXXX acoount # XXXX ; XXXX acoount # XXXX ; XXXX  acoount # XXXX ; XXXX acoount  # XXXX XXXX acoount # XXXX has violated my rights XXXX  account # XXXX and account # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX XXXX XXXX ACCOUNT XXXX XXXX has violated my rights XXXX XXXX ACCOUNT has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2023-02-19 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: GA

Complaint narrative:
Attempting to collect a debt past the State of Georgia statute of limitations Case # XXXX In Georgia after 6 years this judgement is uncollectable. Judgement entered in XXXX and I was contacted in XXXX, thats 9 years. 
GA limit is six years. Also, a settlement offer was done where debt was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Can not determine if the loan is federal or private because its a scam. 

Receiving constant fraudulent mailers seeking to collect a non-existent loan. Alleges I co-signed a loan for a fictional XXXX XXXX XXXX. The mailer lists my name as XXXX XXXX XXXX, which is not my correct middle initial or last name. Never heard of this person who probably doesnt exist. Tried calling the telephone number provided on all the fraudulent mailers and it just goes to a disconnected line. Either XXXX is a fraudster, incompetent, or someone is running a scam in their name. Either way, this is nonsense and these harassing fraudulent mailers need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
In short, I signed up for Chime when they had a promotion, promising {$250.00} in credit if you completed specific payroll transactions within a period of time. I completed the required steps, and waited for my credit, never received it, reached out and was given subpar, mediocre responses without any valid reason for why I did not get the credit. As a result I opted to file a complaint with CFPB. Chime has remained problematic in their lack of regard and response to this prior complaint, only stating the minimum to get CFPB off their back and not rectify their wrong. Please handle this with appropriate investigation into Chime 's problematic practices. I am attaching the transcript of the prior complaint and Chime 's responses which were utterly inadequate and have not resulted in any form of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
Medicredit Inc. took money directly from my checking account on XX/XX/2020 and I don't have any record of why they did this. I called them, but they haven't called back. I can not access any record of why they took the money. I didn't discover this until much later when I was searching for records of medical bills I already paid and the doctor 's office/medical facility turned over already paid bills to collection. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a letter from an agency called XXXX XXXX XXXX XXXX asking me to pay for an account I had with XXXX XXXX Bank with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. Equifax has not added my current capital one accounts that they removed inaccurately. I had 3 credit accounts with capital one that equifax removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. XXXX and Equifax are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these midland accounts to be inaccurate and have removed them from my reports. XXXX and Equifax, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, XXXX and Equifax are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and Equifax would have never removed my three positive good standing accounts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Syncb/Walmart reports to all three bureaus a 1x30 late prior to year 2019.

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 2023-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was a Wells Fargo mortgage customer back in XXXX when I applied for modification. After countless months of sending in documents and increase in fees, I was denied the modification. The bank tried to foreclose on the house twice and the State of NY put a stop to it. So, they turned around and sold the loan without telling me. By that time, the loan had increased to much more than I paid. 

This complaint is about the 3.7B Wells Fargo settlement that just happened in XXXX XXXX.The article online said if you believe you are eligible for a payment and haven't been contacted by Wells Fargo, to call them and so I did. They wouldn't even take my old account number to check me in the system. They just said that they didn't have anything on me. This led me to believe that they are not going to contact me about the settlement. 

I am just looking for them to make it right if I am eligible for payment from the settlement. 

Thank you for your help in this matter!

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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My personal checking account has been locked from completing any transfers to any external accounts. I have called the company four times to lift the hold on external transfer. Each time I was reassured that it would be resolved within 48 hours. It remains unresolved and my money is trapped within this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
Well, disclosing on this product of our new townhome, XXXX did not disclose several things, including the red painting of the curbs, the monument directory, and also the maintenance of the canal in front of my townhome that could potentially collapse. The canal was temporary fix, but there is going to be a problem in the future, as the quality of work is very poor to keep the canal from collapse. Also, the quality of the townhome was very poor as well. The limited fixes of my townhome should have been extended to at least three years, because finding things that the builder should have fixed before I moved in this includes the carpeting, the outside, stucco, the tile that I had to fight for months for them to fix, the poor installation of the master bedroom, toilet that exposed my husband, and I to mold for months since we moved in, it was leaking, fecal matter and mold, and also little odds and ends with in the house.

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 2023-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I had settled a debt for a XXXX account through XXXX XXXX XXXX, I finished paying the settlement in 2019. Now the company decided to send me to a different collection agency for the remaining balance 2 years later. I tried to depute it multiple times with the new agency called Enhanced Recovery Company with no success. My credit score went down because of it and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: NY

Complaint narrative:
I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.

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 2023-02-19 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:
I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 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: PA

Complaint narrative:
I reviewed my credit report. I noticed inquiries that I did not apply for or authorized. I will like to have these inqiries removed immediately.

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 2023-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have 4 accounts with Capital One. I opened a 360 Performance Savings account early this morning ( Sunday, XX/XX/XXXX ). I had linked my XXXX account in the past. I used that to transfer the {$5000.00}. I also transferred another {$3000.00} from my Capital One checking account. Upon completion there was {$3000.00} available in my savings account. Which made sense since the {$5000.00} was from an external account and would take a day or 2 to clear. I log in later this morning and all my Capital One accounts have a message stating Your funds are currently unavailable for withdrawal. Please call us at XXXX ( XXXX ) XXXX. I call the number and Im informed the office that would lift the restriction is closed until Tuesday. How is that acceptable? They have frozen my accounts and cant explain why. An account I share with my mom has also been frozen. 

Capital One 360 is digital which baffles me that they dont have a solution to this. I should have been informed moving a certain amount of money will freeze my account. Definitely not freezing all my accounts. There has got to be some law against this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
I received a letter from an agency called Credit Controll , LLC asking me to pay for an account I had with XXXX XXXX XXXX with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.

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