vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a set of treatments from XXXX away, they offered a 0 % interest loan through their servicer, XXXX. The loan was for {$4000.00}, the terms of the loan were under a promotion : 24 Months " Same as Cash '' with a promotion end date of XX/XX/XXXX. Per my notice : " Under the terms of your promotional offer, you will pay no interest on your loan if you exercise the option to pay the remaining amount by the promotion end date XX/XX/XXXX ''. 

On XX/XX/XXXX, I received an email notification from XXXX that effective XX/XX/XXXX, servicing of your XXXX account will be transferred from XXXX to Monterey Financial Services, LLC. On XX/XX/XXXX XXXX closed the account and all payment history records and I was unable to log in to the account. 

I made payments totaling {$2100.00} my remaining balance was {$1900.00} as of XX/XX/XXXX. Monterey Financial Services did not have the correct pay off amount and over 8 weeks of correspondence with me, they finally agreed to the corrected payment amount after I sent copies of my bank statements. 

Now, Monterey Financial Services is stating that the original loan with XXXX was accruing interest and my balance is inclusive of this interest, and additional {$600.00}. That was not the terms of my loan nor in the notice of the transfer of service : " This transfer of the servicing does not affect any of the terms or conditions of your contract other than terms directly related to the servicing of your loan. '' I have tried to resolve this issue with XXXX for almost 2 months, and it not right that they are doing this to me or other consumers who did not consent to transferring of loan with only 7 business days for the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: VA

Complaint narrative:
There is incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
There is incorrect personal information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased an XXXX puppy from XXXX for $ XXXX that includes the puppy and plane transport it was same day delivery to which did not happen. I got email from XXXX that I need to pay {$1500.00} for pet insurance which I did through XXXX since it was the only payment they accept after a few hours they asked to rent a special crate for my puppy for the flight to which I had to pay {$700.00} to which I gave. I kept calling and asking where the puppy was they kept delaying, called the next morning which was XXXX XXXX and they said they could not deliver the puppy because I did not pay the other half for the crate to which they agreed I did not have to pay. They wont deliver my dog or answer my calls and I asked them to cancel the delivery due to suspicions and they will not answer my calls, texts and emails and wont not give me my money back. I called my chase bank after finding out and see if they can do anything about it and they said theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, I received a phone call from Chase Bank asking if I agreed to a {$4700.00} payment. I told them that I had not agreed to anything, and the caller said that if I provided my detailed information, they would cancel the payment. I went ahead and provided my detailed information just to be cautious. Later, I called the bank directly just to make sure. The bank informed me that while I had not given consent, another co-signer, who happens to be my wife, had agreed to the payment. It is impossible for my wife to have agreed as she does not speak XXXX. The bank mentioned that they would conduct an investigation, but the outcome of the investigation was that they could not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Spring Oaks Capital LLC has continued to openly participate in illegal debt collection, extortion, and racketeering with XXXX XXXX Spring Oaks Capital LLC has a non-certified copy of a contract purchased from XXXX, as well as a copy of an electronic image of a promissory note purchased with the intent to deceive with a security of the United States . I attempted to resolve this issue with them several times but they refused to cooperate. Their activities have created actual damage and have harmed my credit reputation and personal reputation. All I was asking is for a permanent removal from all consumer reports. Reference number # XXXX a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, XXXX XXXX  and U S DEPT OF EDXXXXXXXX yet they are not removing this fraudulent account. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX have refused to do this . The followings are the fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXXXXXX Date opened XX/XX/XXXX, U S DEPT OF EDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$780.00} U S DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$460.00} that were opened at an address which I have never lived at and it has nothing to do with 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: PA

Complaint narrative:
More than one month after purchasing a car from Carvana, the company withdrew the deposit of {$3900.00} a second time from my bank account with little warning. After reaching customer service they agreed to return the deposit, but only after 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

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 2023-05-24 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: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent check # XXXX to pay my XX/XX/XXXX mortgage payment to M+T Bank for acct # XXXX. 
On XX/XX/XXXX I reviewed the M+T Bank website to find they had not processed my payment and were charging an additional {$48.00} late fee!! 
I sent a message in their website that day asking why they had not processed my payment and to rectify their error. As of XX/XX/XXXX I received no response! 
There have been several times they sent me a bill for 2 months payments plus late fee in error, followed by a corrected bill for the upcoming month without late fees. Therefore I do not trust their payment processing which prompted me to check the website on XX/XX/XXXX. I am always timely with payments and have a good credit rating. 
In fear of them damaging my credit rating, I repaid the XXXX payment plus the bogus late fee on line on XX/XX/XXXX when I saw they did not respond to me. I then had to pay a fee to my bank to cancel my check # XXXX that I sent to them on XX/XX/XXXX. 
Their ongoing issues appear to be a scam to force customers to give them bank account access for automatic withdrawals.

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 2023-05-24 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I had a car lease with AMERICAN HONDA FINANCE Creditor Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX DE, XXXX Creditor Phone XXXX - before the lease ended i went to my dealer to get another car - meanwhile I paid all payments on the old car- I did not miss any - dont know what this companies issue they reported the last payment was not paid when it was- I called them to ask them to correct this issue, they asked me to provide proof of payment, I told them that the law is you have to provide evidence before you report a late payment- you reported check your records, they said it's not their problem. by now I have provided them this bank record but they said I have to send this in to the 3 credit bureaus. this is not how this woks they mass up and I have to fix it. And meanwhile I loos thousands of dollars because of my incorrect credit drop, this is not the first time I have this issue with this company, this is at-least the third time, and they don't care about their customer and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I filed a dispute with all three credit bureaus against Jefferson Capital and the results came back as accurate. Its impossible! The collection was for a cell phone company that we dont have here in Colorado XXXX They claim it was opened XX/XX/2022 but I lived in Colorado and was on my husbands phone plan and then we switched to XXXX. I can prove that. I think I am a victim of fraud bc prior to that I was on my daughters phone plan. Its been 6 plus years since I moved to Colorado. I need help because according to the fair credit reporting act, the company needs to provide certain information which they did not do. Please help me! I have worked really hard on my credit and after all these years this is ridiculous. I have never received anything in the mail regarding the collection and have zero prior knowledge of this. I know that they have to provide the original contract, account number, date and proof that I own the account and none of that is on my credit reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We discovered that Wells Fargo has been charging our account a $ XXXX fee due to our account balance below an excessive threshold {$250000.00}. When we inquired why this fee is being assessed, we were informed that Wells Fargo converted our account without our consent to a new account that enforces a minimum balance of {$250000.00}. We have since tried to reverse these charges because the account conversion was made WITHOUT OUR CONSENT OR KNOWLEDGE. 

We have also since tried to reverse these fees, which Wells Fargo has only done for a portion because they claim that they do not see these fees charged to our account. We have pulled the online monthly statements clearly showing where the fees are being charged and deducted automatically from our account, but Wells Fargo have refused to accept they have done so - and also refusal to review our monthly statements showing these unauthorized charges.

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 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a notification that two new collections have been reported on my credit report by I.C. System, IncXXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone number XXXX. To date, I have not had any phone, email, or mail communication from this company. I do not know what the reported debt is, am unable to verify it, and my credit is being hurt as a result of these new collection accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
XXXX Bank offered me a settlement on a closed checking account of mine which had a negative balance. The settlement amount was {$270.00} the original amount was XXXX. I paid the settlement amount on XX/XX/2023. I requested a letter confirming that I paid this amount. I received the letter from XXXX BANK which is dated XX/XX/2023. The letter states that the account is considered settled in full and will be reported accordingly and no further balance will be due to XXXX BANK which is great for me. Then to my dismay I received a letter from Chex Systems stating that I made a partial payment and that a balance of {$400.00} The letter stated the source of the information was from XXXX BANK I sent the letter that XXXX BANK sent me to CHEX SYSTEMS and called them and they told me they received it but couldn't change the status of the account until they did another investigation and confirmed the validity of the letter I got from XXXX. I called XXXX BANK to ask why my letter says one thing but they are reporting another and the myriad of explanations I got were bizarre. The first representative I got attempted to tell me well it is a partial payment and that what a settlement is, as I argued with this rude young woman and told her the letter that I have says the account is considered settle in full and no balance is owed she hung up on me. Then I spoke with a supervisor who told me they can't control the wording of Chex Systems. I asked what was reported to Chex Systems and the sup said well we just send them an alert we don't send them letters however the representative I spoke with before said they sent Chex Systems the letter so I'm being lied to. I have a bank but it is out of state and I want to switch to a local bank but I can't because of this.

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 2023-05-24 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I was charged for merchandise/subscription service on my Sams Club World Elite MasterCard that I did not authorize from a merchant I never did business with on XX/XX/2023 {$5.00} and XX/XX/2023 for {$89.00} and filed a fraud compliant with the issuer of the Card ending in # XXXX. The charges were transferred to my new card ending in # XXXX. The merchant issued a credit on XX/XX/XXXX, XXXX but sams club ( synchrony Bank/Sams Club ) has continued to bill my account ( XXXX different time ), for the amounts in question even though it was credited back as a result of fraud. i Have called several times and spoken with representatives that have " NOOO '' knowledge of financial accounts and I have gotten no where with them doing the right thing and making the right adjustment ( s ) to my bill. IT says I owe {$110.00} when in actuality I should only owe {$28.00}. See attachment ( s ) as proof of my complaint. Synchrony Bank keeps charging my account every day for the same amount even though it was proven to be fraud on the merchants part... ..The representative on the phone are not too customer friendly nor do they have the knowledge needed to speak to me about the problem, all they want to do is argue and show disrespect and I have never been late on a payment. The customer service is lousy to say the least.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Wells Fargo / Dillards has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I received multiple calls from XXXX XXXX. The rep had the last four of my Social Security Number and said that I was being sued in Federal court tomorrow. I never identified myself. I immediately told him not to call me again and to take me off their list. I hung up. The person called back twice more even though I told him several times to stop calling and to cease and desist, and that I was going to file a CFPB complaint. I had to block the number. The rep was beyond rude and kept talking over me and saying that I was being sued. He broke several FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: FL

Complaint narrative:
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed 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 explanation