vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
By there own website it shows they are doing this on purpose for me filing all these complaints 16 months worth of on time never late to XXXX they wiped out and refuse to put back and keep saying they are working on the problem the 4 screen shots of there own website shows this is fraud and retaliation

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a purchase for a company called XXXX I had a balance on my card of XXXX after the purchase bal was XXXX I had an issue with the company so I decided to cancel the order but kept getting no anwser for a refund so I called BOA and they removed the charge which brought my balance back to the original amount of my initial balance of XXXX XXXX sent me an email that the refund was processed to my finial institution the very next day after BOA made the adjustment so I called and canceled the claim my bal showed a deduction of XXXX from the XXXX which made my bal XXXX which I paid in full instead of bank of america charging me the XXXX there also charging me the XXXX I'm a bit confused as to why It took until XX/XX/XXXX to show an adjustment and why I'm still being charged the amount t plus now an interest charge when I was in constant contact with the bank my account said XXXX after a another charge and payment of XXXX after the payment I made XXXX my account was at XXXX on XX/XX/XXXX then bank of america added the charge back of XXXX they never gave me an actual credit the removed the charge from the credit card the numbers just don't add up for me it's like if my balance said XXXX after the amount was refunded instead of XXXX then I would have paid the full amount but if bank of america uses those tactics to get interest fees the that's wrong there are lots of recordings about this acount and the charges I was even told that it would get adjusted and the charge removed on XX/XX/XXXX when the closing date went into affect I need someone else to go over this account and explain Bank of America has been my bank since XXXX and I'm very disappointed in the extra fees I'm being charged even XXXX is alot Right now XXXX it's really alot especially when the Bank is in control of your money and dosent want to take the blame when there's a problem please listen to every recording about this charge I recorded a few conversations after making the agent aware that I to was recording the call.

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 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Chase Bank closed my checking account after they were unable to verify a check in late XXXX. 

I had called several times to remedy the situation prior to the closing and after. They weren't able to get the check writers contact information correct in their system to be able to verify the authenticity of the check. 

They pulled the funds out of the check writers account and have proceeded to hold my funds XXXX since XXXX. 
On XX/XX/XXXX I went to the chase bank in XXXX  XXXX Iowa and asked for a copy of all of my banking statements, and they were able to provide me with them. 
I also asked to follow up on the account hold. After making a phone call they were still unable to clear the hold on my funds. The branch manager said that even if I were to bring the person who wrote my check into the office they would still not be able to release the funds due to their verification process. They did state that in a year or two they would release the funds to the state to return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Contacted them and ask them to show proof of debt was never provided with any thing and now I have negative reports on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit report or credit history score is being ignored. I have had credit before with bank and approve credits, Paying interest just to create credit score. I have checked my score with XXXX XXXX, being fair. Lately my application for credit card ( XXXX ) was checked with Equifax being denied. Other loan companies tell me I dont seems to have score. How can I maintain or create more credit history? 
Companies like Equifax deny credit based on not having credit history. But this is not my case any more. 
I had to cancel previous credit card with XXXX XXXX due to that bank didnt seem able to activate the card. Not because of me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have a quicksilver Capital one master card. I was trying to pay it off because of the high interest percentage rate. Capital one refused to give me a lower rate, even though I have never missed a payment, and have paid the card off more than once. So, I got a XXXX XXXX  flex card with a XXXX percent interest rate to pay the capital one card off. It paid the card off on XX/XX/XXXX, XXXX day after my payment of {$130.00} went through. So, because XXXX XXXX  did not pay the balance before the payment due date, it was an overpayment. Capital One, now says I owe another {$75.00} in interest from XX/XX/XXXX, to XX/XX/XXXX is {$75.00}. They say that my payment did not include that amount, as they are a month behind and that the interest I just got charged was for the next month. This does not sound right to me, I think I got charged an extra month that I should not be paying. I cancelled the card on either the XXXX or XXXX of XXXX. Could someone from your office please check into this matter? I do not believe what they are telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion please investigate the following inquiries on my behalf. I have mailed multiple letters in, and they don't seem to work. The disputes aren't being done.

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 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
I opened an account with XXXX in XXXX of XXXX. It was a " no contract '' monthly internet service that was " month to month ''. 

They tell you that you have to call in to cancel the service. I stopped into the store and called! 

On XXXX  - the business account for XXXX XXXX XXXX was canceled in the XXXX XXXX. It was communicated that no equipment needed to be returned and that there will be no continued bill. 

on XXXX - a phone call was made to the customer service department to inquire about a bill received for {$150.00}. It was discovered at that time that the billing did not discontinue and although no usage or activity was on the unit, the account wasn't closed and the amount was then due. 

AGAIN- the account was requested to be closed. It was guaranteed that if I paid that {$150.00} that there would be no continued service or charges. 

Based on recent communication, $ XXXX has continued to be charged by XXXX. The suggested amount owed is {$310.00}. Additional {$77.00} was charged from a collection company - totaling {$380.00} is due. 

This is not an active account and the request to cancel has been sent multiple times. 

This is not a valid charge and therefore will not be paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: OR

Complaint narrative:
I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I filed for bankruptcy protection in XXXX  and navient loans should have been discharged once my case was changed from XXXX XXXX  to XXXX XXXX  after I was unable to work and XXXX issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm planning to refinance my HELOC with another bank. I have requested a payoff statement from Truist Financal Corporation 3 times via written request ( XXXX XXXX XXXX   ) and once via phone XXXX  I was told on XXXX  that the previous requests were rejected and a statement could be mailed. As of XXXX  no statement has yet been received. XXXX XXXX XXXX XXXX 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 2023-10-15 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting 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:
15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Midland Credit Management Inc. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Cease and desist as this is identity theft.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a school known to defraud students. I had high interest rates and financial trouble and filed bankruptcy in 2012. My Navient student loans should have been discharged, but were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX seems to continue to experience issues regarding furnishing student loan account changes to the credit bureaus. Experian, specifically, has not received an update since XX/XX/31 despite the fact that I have paid off XXXX accounts and made a significant payment on a fourth. 

In addition, XXXX is impossible to get a hold of via phone due to seemingly low staffing levels and obscenely inconvenient call center hours which results in ridiculous hold times.

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 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Contacting me 8 times within the last 7 days, when I answer they dont let me talk

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: IL

Complaint narrative:
I received an email and phone call from XXXX at Achieve Personal Loans. She stated she was calling from XXXX XXXX and received an application for a loan. Her phone call was to tell me that I was approved for a loan for {$15000.00} that I had applied for. I did NOT apply for a loan and when I told her that this would be fraud she told me that it was possible it was not fraud and maybe someone else applied for this loan in my name. When I specifically stated that I did not nor did anyone have authorization to apply for this in my name she said she would " red flag '' the application but refused to mark it as fraud. This was either a phishing attempt or a refusal to mark a fraudulent supposed application as fraud. 

The email sent to me stated that she had been " trying to contact '' me but at the same time she stated that the application was done XXXX minutes prior to speaking with me ( at which time I stated again I did NOT complete a loan application XXXX minutes ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Saturday, XX/XX/2023, I began corresponding with XXXX XXXX in regards to a cleaning lead from XXXX. XXXX is a company which states they screen individuals ( small businesses ) seeking services. This is not a FREE service, I paid almost {$200.00} for the credits. 

XXXX stated I had to pay a surety linkage fee to secure the project ( cleaning XXXX properties starting today, XXXX, XX/XX/2023, ending in XXXX thereafter. The surety fee was {$440.00} which was paid to XXXX XXXX by an email address via XXXX. The XXXX payment was to XXXX XXXX for {$300.00} for the lock box codes to enter the properties to clean. 

To no avail, I contacted XXXX on XXXX they reported XXXX account as fraudulent & to call my bank. I called my bank yesterday & today yet they said its a cash transaction. I called XXXX again today to speak with management yet was given an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a settlement check and took it to my bank. the cashier refused to process the check because the check did not have my name on it. It was blank. I showed them the disbursement document issued by my lawyer 's office but that did not help. I wrote my name on the check, still they refused to process the check. I deposited the check using the ATM. After several days I received a letter from the bank refusing the check because " it is altered ''. i made an appointment and went to ask for an explanation from the bank. the designated bank representative explained to me that they refused to process the check because my name was not printed on the check and was handwritten. i asked them if that illegal to have the name handwritten on the check. the response was " even if it is legal does not mean it is right ''! I protested that they refuse a properly written check just because they did not like the way it was written and asked if they run checks to verify its authenticity. no response was given. the bank representative said she did not think they run any checks. I asked to retrieve the check. they refused to give the check back to me. they said that I should get another check from the party who wrote the check to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief