vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
As stated in three prior CFPB complaints, last complaint marked as duplicate to avoid addressing, funds were not received from intercepted check issued by Capital One. This issue has been on going since XXXX of XXXX, unresolved to date. In order to attempt to resolve issue, I had to reach out to person ( s ) whom intercepted check, signed and cashed it, was given a bad check to compensate for stolen funds ... I explained this in prior CFPB complaints, Capital One rep by the name of XXXX attempted to refer me back to person whom is no longer able to reach, also not my responsibility to do so. A XXXX then replied by referring to a previous statement made by me which states, : I was able to obtain funds from person '' or similar thereof ... As stated above, the check is bad, did not clear, no funds received.. The amount of is {$4200.00}, I am owed this amount by Capital One. Complaints marked as duplicate when they are not will be resubmitted, investigated by CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of XXXX, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... XXXXWells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020. The last Wells Fargo rep replied by verifying checks cashed, again, which not by myself, no funds received. Further, there was no agreement to settlement offers, nothing signed by myself.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a collection notice dated XX/XX/XXXX from IC System for a delinquent XXXX  account in the amount of {$470.00}. The notice stated in part, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt ... this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. '' Having no knowledge of the debt, and knowing my XXXX  account is in good standing, I wrote to IC System and XXXX on XX/XX/XXXX informing them I have no knowledge of the debt, that I was disputing the validity of the debt and asked them to provide copies of all purported unpaid XXXX  bills for me to examine and verify their validity. '' I sent the letters to XXXX & IC System certified mail and received USPS confirmation of their delivery on XX/XX/XXXX & XX/XX/XXXX respectively. Neither business wrote back. 

On XX/XX/XXXX, I sent a second letter to XXXX & IC System saying I never received a reply to my first letter and asking yet again for proof of the debt. Again, I sent the letters certified mail and received USPS proof of delivery. Instead of sending me proof of the debt, IC System reported this unsubstantiated debt to the credit bureaus, TWO DAYS AFTER receiving my second letter. An account was created on my credit file as " charge off '' and is now is now showing as a derogatory account on my report and negatively impacting my score.

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 2021-09-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX sent first letter out to Equifax and XXXX ( regular accounts, medical accounts and bankruptcy ) XX/XX/2021 I sent 30 day comply letter ( certified mail ) it is now 3 weeks past the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around I spoke to 5 different people.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
My husband and I owe a debt for leaving a leased apartment early and breaking that lease. We are not disputing that debt. We have agreed to pay automatically {$400.00} per month to resolve the debt over time. The debtor is not reporting that we are paying as agreed, and further, they are increasing the balance monthly regardless of the payments when reporting to the three credit agencies. 

When I contacted them, they refused to report it correctly on my credit report stating, 'how do we know you will continue to pay us after we give you a letter reporting you are paying as agreed, we've been burned before '. 

Additionally, in the comments section of the reporting, which is being re-reported every month, they note that this account is being disputed, which is not true. They continue to do this month after month. They say they aren't doing that however when I call the 3 credit reporting agencies, they report that this is happening monthly. The company is bullying us and wants us to settle with them for more than {$5000.00}. 

They are aware that we are attempting to get a mortgage on a new home and intentionally doing this to create harm and problems with our credit reports. The company is called Hunter Warfield Collection Agency, and they are out of Florida. They are very rude on the phone when I have called to complain about this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: DE

Complaint narrative:
Experian has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would Experian want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.

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 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK XXXX XXXX AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED XXXX XXXX TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO XXXX XXXX. BANK OF AMERICA WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. XXXX XXXX IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH BANK OF AMERICA. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. XXXX XXXX IS SAYING THAT BANK OF AMERICA HAS NOT RELEASED THE FUNDS AND BANK OF AMERICA IS SAYING THAT XXXX XXXX HAS NOT RELEASED THE FUNDS.

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 2021-09-01 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: LoanCare, LLC
State: PA

Complaint narrative:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. Loancare mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting Loancare they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited XXXX at an ATM. Upon deposit it stated there could be a hold place on the deposit.. which is the statement for every deposit. Two days later I inquired about a hold. I was told there was a hold placed in the account because money was uncollectable, refer to maker. It was an insurance company for death claim. I asked about the check not being collected and was told that they never had such problem and stated they do business all the time with Wells Fargo and referred me back to the bank. The bank informed me that deposit wouldnt be made available until the XXXX of XXXX regardless of when the bank received the money. I was told to go see a branch manager to see if he can verify check and release funds.

Branch manager stated he could not and refer me to the ATM division of the bank. Spoke to someone who stated that the next time they present the check wouldnt be until the XXXX of XXXX. I asked why would you hold a check for 7 days w/o presenting it. Why are personal checks are handled differently. I was told thats what I agreed to. I unformed them that the ATM screen should show date check will be held if not released. I was told it was on my receipt but Im only getting the receipt AFTER the deposit. It seems that the bank arbitrarily holding funds w/o explanation. Even if they processed the check early I would still have to wait until the XXXX of 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 2021-09-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX my Chase Amazon credit card was charged {$490.00}. for gift cards from 4 different places. XXXX, XXXX, XXXX XXXX, and a place called the XXXX XXXX XXXX. Amazon sent me an email about a possible fraud alert for this transaction. I called and all the transactions were cancelled. I have emails confirming this. I called Chase and cancelled my Amazon credit card as it had been compromised. They issued me a new card to replace the one compromised. The first statement for the new card there appears the {$200.00}. charge for the XXXX XXXX XXXX that was canceled from the previous card. I immediately called Chase Bank and explained that we did not make this transaction. I then called the XXXX XXXX XXXX  and informed them that this is a duplicate of the previous transaction I disputed a month ago. They checked into it and sent me a email stating that the charge was refunded and I should see a refund on my next statement. I have been disputing this monthly with, and even sent them copies of, my cancellation emails from the company, and to date the refuse to issue me the credit for {$200.00} I do not know what else I can do I have all the proof that that the company sent me but Chase Bank still refuses to show the credit on my statement. Can you help me get this resolved once and for all?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX  has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would XXXX  want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.

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 2021-09-01 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: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX  has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would XXXX  want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been fighting with Synchrony Bank ( XXXX ) since XXXX of XXXX. 
the first time I called them was XXXX XXXX made an offer {$3000.00} on a collection of {$3900.00}. told me they would let me know within 72 hours. I never heard back from them I would call and call and kept getting " we are still waiting on approval ''. Then when I started to call again they were telling they cant find the account and it seem to always be one thing after the other. XXXX XXXX I call and they said there was no settlement offer and that things got behind because of the holidays. So I got XXXX  of this and submitted another offer of {$2300.00} on that day XX/XX/XXXX they said call back in 7 to 10 days. I gave it alittle more time thinking that if I did they would have an answer. I call back on XX/XX/XXXX and still NO approval. At this point we are going 8 months and im just getting the run around. Finally on XX/XX/XXXX I spoke to them on an 18 minute conversation and the last minute of that she tell me that the debt has been forgiven and it will be deleted. Well this is XX/XX/XXXX and still nothing has change on my credit report.. I want this remove today from my report. This has gone on way to long and I'm getting XXXX  of their 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 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I overpaid my mortgage ( in my deceased husbands name ) to Mr. Cooper as their quoted payoff amount remitted XX/XX/2021 did not include the previous payment made on XX/XX/2021. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would receive a refund check in the amount of {$1500.00} within 30 days. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said a check will be sent again, and should be received within one week. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me to send a voided check to XXXX to have the funds direct deposited within 48 hours ( sent same day ). The refund never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me the funds should be deposited by XX/XX/XXXX. They never came. On XX/XX/XXXX Mr. Cooper representative XXXX told me I would have to prove that I am the one who was providing payments to them by sending XXXX the last 12 months worth of checks Mr Cooper processed from me ( sent same day ) and I would receive payment within 48 hours. It never came. On XX/XX/XXXX Mr. Cooper representative XXXX said the voided check they received from me was uploaded to the wrong file. She corrected it, but needed her manager ( who was in a meeting and couldnt be reached ) to approve the refund and I will receive the overpayment within 3 business days of manager approval. She was not able to tell me when or if the manager would approve her request. The obvious obfuscation and delay tactics have devolved into the dog ate my homework quality excuses with the intent of depriving me of {$1500.00} that they over billed me for. While Mr. Cooper does admit the refund is due they continually do not issue it. Please help me with this questionable business practice and attempted theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation