vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Senate Bill 332 By : Senators XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX and others AS PASSED SENATE A BILL TO BE 7 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA : 1 To amend Chapter 1 of Title 10 of the Official Code of Georgia Annotated, relating to selling 2 and other trade practices, so as to provide for certain disclosures by third-party high-volume 3 sellers of consumer products on online marketplaces ; to provide for definitions ; to require 4 online marketplaces to provide certain notifications and a consumer reporting mechanism ; 5 to provide for civil remedies ; to provide for a short title ; to provide for related matters ; to 6 provide for an effective date ; to repeal conflicting laws ; and for other purposes. I have never acquired debt with the following/ Have never received a call or letter from agency @ this time they are presented violation of the bill passed and FDCPA OF 1973 XXXX XXXX-XXXX XXXX XXXX  {$2200.00} WAS BOUGHT TO MY ATTENTION AFTER RECEIVING A FREE CREDIT REPORT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid as agreed to whom debt belongs to purchase and reported on credit without my knowledge or consent reported to credit in error SECTION 1. 9 This Act shall be known and may be cited as the " Inform Consumers Act. '' Nothing about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
** My phone number is XXXX ( the contact number on the form populated incorrectly and will not allow me to correct without starting over on submitting my complaint. 

I have been a customer of Bank of America for XXXX years. 

I opened a new checking account in XX/XX/XXXX. 

XX/XX/XXXX : Deposited a check from my employer of XXXX years. Spoke with bank teller who assured me the funds would be available on XX/XX/XXXX. I shared with her my concern due to bills and expenses such as groceries that I needed to buy and that I was concerned about insufficient funds fees if the check did not clear. She stated she understood and that " it shows the funds will be available XX/XX/XXXX '' XX/XX/XXXX : Check for {$2600.00} was put on hold, funds delayed, not available until XX/XX/XXXX. 

XX/XX/XXXX : Called the customer service number that is on the BOA app. They were unable to release the funds. Customer service person told me for future reference that I should know that the bank will put a hold on checks deposited in a new account almost every time. 

XX/XX/XXXX : Called the branch office two times, requested a call back from the bank manager. The bank manager did not return my call. Still has not returned my call. The second time I called the person that answered said they could not help me but she would transfer me to another person who would be able to " lift the hold ''. I accepted being transferred and asked the person I spoke with to please still have the branch manager call me asap. 

XX/XX/XXXX. I was transferred to a customer service number and spoke with 2 people. Both said it was not possible to lift the hold despite my years of being a customer and years of depositing checks electronically for 13+ years. The supervisor I spoke with told me she could not solve my problem for buying my children groceries or paying my bills while the bank held a check that already cleared for 10 calendar days. She read from a " list '' of non-solutions over and over. Telling me she was letting me vent during minutes of silence where she just sat there and said nothing while I waited for her response. 

BOA has been calloused and unwilling to take responsibility for their part in telling me that my check funds would be available that then are not available for 10 days. I have been financially stressed and this experience has been awful, emotional and feels like BOA is on a power trip while they hold my hard earned money.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
15 U.S.C. 1681a ( XXXX  ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).

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 2023-08-21 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees. 
I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months. 
I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager. 
The collections department has called me 4 times and hung up without speaking with me. 
Saturday XXXX XXXX XXXX XXXX  Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX  Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.

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 2023-08-21 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: CA

Complaint narrative:
I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that 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 2023-08-21 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: CO

Complaint narrative:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
It has been more than 6 years since I was at the hospital. The hospital never billed my insurance. SO, the statute to collect has ended. 

XXXX XXXX XXXX XXXX Balance history XX/XX/2023 XXXX 2023 XX/XX/2023 XX/XX/2023 Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I wrote Capital One on XX/XX/2023 and mailed on XX/XX/2023 requesting to pay off the closed QuickSilver and Walmart cards for removal from credit report ; received response that said I had to call the Customer Service number. 

I called Customer Service today, XX/XX/2023. I spoke to representative XXXX, id # XXXX, and requested a letter/email stating " once/if the account was paid in full the account would be removed from my credit report ''. 

XXXX responded that Capital One would remove the account from my credit report ( she said this 3 times ), when my balance was paid in full that a settlement would not be offered. I asked for this in writing because I'm not falling for the trick of you pay, we leave it on the credit report even though we said we'd remove it. 

When I pressed XXXX for the letter/email, XXXX changed her wording once again stating that when the account is paid I'd receive confirmation. When I pointed out that her wording was changing she became very flustered and tried to interrupt every thing I was saying. 

She then said something that since I'm not going through a company to do this that Capital One won't negotiate. I stated I will pay the balance in full if I receive the letter, she said " yes ''. Then I asked for the letter again and was told it will be provided once the account is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1983 I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All three Credit Bureaus Transunion, XXXX, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have XXXX Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title XXXX XXXX Code XXXX Credit Acceptance never XXXX XXXX Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.

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 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SD

Complaint narrative:
MOHELA made several mistakes that are costing me money, time, and XXXX, which has been incredibly difficult as payments are set to resume in less than two weeks. 

Back in XX/XX/, I asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request. 

On XX/XX/, I again asked MOHELA to apply my incoming student loan payments to a particular loan. It ignored my request again. 

On XX/XX/, I noticed that {$5000.00} disappeared from my account. I sent a message to MOHELA both anxious and frustrated about the situation. MOHELA responded saying that I requested a refund of this amount. 

On XX/XX/. I responded that I never requested a refund and wanted my balance restored. MOHELA responded that I needed to call them directly. I called later that day and the person on the phone said that I would receive a check in the mail. After further discussion with them, we decided that they could restore the balance online so they voided the check. They said it should be resolved in 3 weeks. 

XXXX XXXX XXXX. I reviewed my account and noticed the balance was not corrected. I called MOHELA and waited on the phone for two hours to speak to a supervisor. I have a supervisor recorded on one of our phone calls admitting MOHELA 's mistake and that they just needed a little more time. I asked for compensation for my trouble and they said no. 

XX/XX/. My balance is still not corrected. I am missing {$5000.00} and the check for it is voided. This is fraudulent. I called again and the supervisor told me that the people who need to fix the issue still haven't responded. The supervisor said he could pass it onto management who would see it in 3-5 business days and changes wouldn't be reflected for 10 business days. That will put my loans at XX/XX/XXXX where they will again be accruing interest ( on money that I already paid! And money that they withdrew without my consent! And has been missing for 3 months!! ). I am infuriated. This is the most incompetent, fraudulent group of loan servicers I have ever experienced. I had such a better experience with XXXX and wish I could go back. These guys are crooks and I still don't have my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When signing documents for the Line of Credit with BoA, we pointed out that the documents read variable interest rate when we were promised a fixed rate. We were told by the loan officer that the rates would be fixed at the time of withdrawal. I made of note of this on the documents before we signed and stated I was very uncomfortable that this process was not clear in the note. 

My husband was responsible for managing the loan and repayment. When I happened to open a statement in XX/XX/2023, I noticed that the rate was NOT fixed and called BoA. 

On XX/XX/XXXX at XXXX est, my husband and I spoke with XXXX. We opened case ID # XXXX. We were told a case manager would be assigned and we would have resolution within 30 days, and that the case manager would reach out for more information. No one reached out or contacted us. 

Today, XX/XX/XXXX, my husband and I contacted BoA again. We spoke with XXXX. He told us he reviewed the files and there was nothing he could do but offered options to fix our loan now. XXXX did state that he would enter another complaint for BoA to review but it does not appear they will do anything. 

I feel that this was a predatory lending situation where I was deceived through unfair and deceptive practice at the BoA branch.

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 2023-08-21 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: Bright Capital Inc
State: MD

Complaint narrative:
Bright XXXX or Bright XXXX whatever they're called deducted {$99.00} from my checking account without authorization on XXXX and I have not been able to reach a real person for this company. The message when you call is automated. No one ever answers the phone or the chat, and when you call it tells you to reach out to them in the chat, which again, no one ever replies. I need my {$99.00} back, I did not authorize this charge nor have I even used the service I just downloaded the app and 2 weeks later they're charging be {$100.00}! And because of the charge I accrued a {$15.00} overdraft charge to my account that's {$110.00} this company has cost me for nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
ONSUMER FINANCE.GOV CONSUMER FINANCE.GOV XXXX  AL XXXX CONSUMER FINANCE .gov XXXX AL XXXX XXXX Dear Sirs : I wish to file a complaint against the company SELECT PORTAFOLIO SERVICING INC for the following reasons Currently the company BUSINESS XXXX XXXX XXXX maintains a mortgage loan with the company SPS which is paid on time every month. 
On XX/XX/2023, SPS sent me a letter stating that due to an analysis of my account, an excess deposit in guarantee of {$4400.00} has been determined and that they will return it by means of a check to the address that they have in their database ; However, the address was wrong and the check never arrived and according to them they canceled it. 
From that date I began to call XXXX XXXX XXXX to coordinate the delivery of the check and correct the address, however it was very difficult to follow up on the check because the company indicates that it only sends checks by public mail and there is no way to follow up or check if they really sent it, they do not show any evidence of the issuance of the check or the shipment, so it has been more than 4 months that I call constantly and communicate with different advisors who lie and give me different versions and the check does not arrive to my power despite the fact that I have changed the address and it is constantly verified, in recent days I have talked with supervisors to see if I can get them to comply with sending the check but it has been useless because there are also several supervisors who do not comply with sending the check with a tracking number for which the check is lost and they cancel it without consulting me and we come back from scratch and I do not receive the check. 
For these reasons, I want to denounce the company SELECT PORTFOLIO SERVICING INC for improperly withholding the guarantee deposit in excess of {$4400.00}, not properly informing the sending of the check showing evidence of the issuance of the check and the sending of the check and, above all, showing a tracking code to be able to track the check and the constant misinformation given by your staff. 
Due to the attitude of the company, I consider that their intention is not to return the amount indicated, for which I appeal to you to contact them and indicate the reasons why they do not comply with sending the check with a shipping code and if necessary I can assume the cost as already indicated Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation