vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I own a small business. We have Wells Fargo a business checking account. We opened a merchant account and received our first payments from a client on XX/XX/23. Since then, the payments have been on hold. We received an email from XXXX on XX/XX/23 requesting information. I replied. We called several times, but no one had been assigned. After much back and forth on XX/XX/23, we finally got a phone appointment with employee XXXX XXXX for XX/XX/23. She did not call at the scheduled time. Over an hour later, a man called to say she would not call, but that we needed to send invoices. I sent them again even though they had previously been sent. I scheduled another phone appointment with XXXX XXXX for XX/XX/23 at XXXX XXXX. At XXXX XXXX, the appointment was cancelled by Wells Fargo without explanation. I just called again. No one can help me. Risk doesn't take calls. They have no phone number. Supervisor XXXX is going to send another email, that will go nowhere. I can not have an appointment. We are a small business with thin margins. This hold is detrimental to our business. I started to cry and XXXX said that my being upset was only hurting me. The implication being that she does not intend to help me. I was in no way disrespectful to her. I am just supposed to tolerate this because she said we are not the only business going through this? WHERE IS OUR MONEY? I insist on someone explaining this to me at once as it's been a full week with no explanation or contact. Wells Fargo has been in the news frequently lately for allowing money to " disappear ''. Is that the situtation here? Why is there no one to help 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 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
When loan repayment was slated to start in XXXX of 2023 following the abatement during XXXX, my monthly payment was over 4x higher than what was calculated previously. My income has not changed. I have repeatedly tried to call the servicer to find out more information using the number displayed on their website. I am left on hold for hours at a time. Longest I have waited was 4 hours before giving up. I've tried to reach them through various hours throughout the day, in the morning when they first open, the afternoon, and evening before close. I do not understand why it is so difficult to get a hold of an actual person here. I want to repay my loan but their lack of interaction is making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MO

Complaint narrative:
As of XX/XX/23 i received 10 text messages from 5 different phone numbers instructing me to contact them about an issue with my XXXX account. I did contact XXXX direct and there is no issue with my account. 
The phone numbers are as follows : XXXX XXXX XXXX XXXX XXXX The message received is following : Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures. 

I did not visit their portal nor opted out of receiving messages since i did not request anything from this outfit to begin with, nor is there an issue with my XXXX account. 
I contacted them on XX/XX/23 to forward any information they claim they have in writing to my home address. I have yet to receive such information but kept getting the same text messages instead.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Duty pursuant to the FCRA, it is EXPERIANs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 22 inaccurate late payments for the XXXX XXXX account XXXX. These include a 30 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX and XXXX XXXX, and a 60 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. 

I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. 

I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. 

I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

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 2023-10-03 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: FL

Complaint narrative:
I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was robbed by Chase for about {$14000.00}. 
In 2021 i was awarded a check from The ERAP Program of Colorado. This check was to help me avoid XXXX during the XXXX outbreak. I in Turn Opened a Chase Bank Account Since the check was a Chase Check. Once i opened the account and established myself with the New Bank account i went ahead and deposited the ERAP check made out to me directly into my New account. I waited the time the bank told to i needed to have it clear. I also held off my Landlord from eviction another few weeks, explaining that he would be paid in full once the check was clear. When the time came for the check to clear. I went to try and make a withdrawal of the funds. I was asked by a Manager of the Branch where i had gotten the check and asked why i was trying to Fraud Their bank with a faulty check. I explained what ERAP was and explained that i was running out of time so please process the check asap. For more then 6 weeks i was given the run around, transfered to different head quarters around the country. I supplied Every necessary proof of the checks legitimacy to no avail. They would not even give me back the check so i could cash it at a cashing center to save my home.Finally i was evicted and lost everything i had to my name. My last XXXX  was spent on trying to keep my family off of the streets until i succumbed and was forced to beg family to atleast let my children stay with them. I ended up literally on the streets in a shelter. XXXX later chase sent an email apolgizing and asking if i would like my account back since they wrongly closed it. But no mention of my check or money. This is a spit in the face to all the XXXX XXXX help Our Government faught for and a blatant slap in my face discriminating me for my appearance and race as i didmt look the part depositing a {$12000.00} check. My family and i did not deserve this. We lost everything we had and are still trying to recover from this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive tried to get unknown debt off my report but no help

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 2023-10-03 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: OH

Complaint narrative:
Ive tried to get unknown debt off my report but no help

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I had a mortgage with XXXX XXXX  They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal XXXX XXXX. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and TransUnion and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: MN

Complaint narrative:
I had a mortgage with XXXXXXXX XXXX. They sold my mortgage to Roundpoint Mortgage. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.

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 2023-10-03 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: DISCOVER BANK
State: OH

Complaint narrative:
According to the federal credit bureau This creditor Discover and XXXX XXXX XXXX credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I tried to contact Discover today via their website and my XXXX app ; I repeatedly had difficulty logging in even though I recently changed my password again ( have done this at least once in the last few weeks ) but I could not log in. When you ask for help or try to find Discover 's contact information their website forces you to interact with a bot that fails to provide login info and fails to email or text a security code or offer a process to log in to get access to your account. 

I am trying to close my account and permanently end my poor relationship with Discover because they have poor customer service and make it obviously incredibly difficult to communicate with. I am trying to log in to make sure my account is completely close and any and all charges have stopped and also close the savings account I have with them. They are refusing to allow me to log in to see my account information and are not offering an alternate way to gain access to their account. In addition, their contact phone number and general contact info is purposely hidden and/or difficult to find on their own website. They should be prohibited from doing any further credit card business in the State of Arizona until they become transparent with their contact information and make it easier for credit card or bank account customers to log in to find and see they're information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: IN

Complaint narrative:
On XX/XX/XXXX, I wrote a check for payment of my Chase Freedom Visa card. I wrote the check in the amount of {$1700.00}, payable to Chase Card Services, and mailed it to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The check was written on my XXXX XXXXXXXX XXXX checking account. 

Sometime between XX/XX/XXXX and XX/XX/XXXX the check mailed to Chase Card Services was stolen and altered. When I attempted to balance my checkbook on XX/XX/XXXX, I noticed that check had been altered. EVERYTHING on the check had been changed except my signature. The date on the check was changed to XX/XX/XXXX. The check was then made payable to XXXX XXXX XXXX and the amount was changed to {$1600.00}. XXXX XXXX XXXX then electronically deposited the altered check into his Chase Bank account. He endorsed the back of the check and also printed, for electronic deposit at Chase only on the back of the check. On XX/XX/XXXX the {$1600.00} was withdrawn from my checking account at XXXX XXXX XXXX 

I filed a police report on XX/XX/XXXX and was assigned a case number. 

My bankXXXX XXXX XXXX  filed an Altered Check Affidavit and Agreement with Chase Bank. This was also done XX/XX/XXXX. I was told by XXXX XXXX personnel that Chase Bank would have 90 days to acknowledge the complaint. It is now several days beyond the 90 day period and Chase Bank has not responded to XXXX XXXX XXXX regarding my affidavit. Per XXXX XXXX, branch manager of XXXX XXXXXXXX XXXX Chase has not acknowledged the affidavit, even though the 90 days has passed. 

Chase Bank is non-compliant. 

I am including a detailed letter and documentation regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Yeah so I was called by the Bank of America department that responds to the CFPB and was told my money would be mailed out to me with a tracking number provided for this within the next few days. Its been about two weeks now and I havent heard anything from said representative and Ive been calling her to no availability. Its been 3 yrs already like how do a big corporation like Bank of America think its ok to just steal from my clients and they can get away with it. Like dont they think they have enough. Its bad enough that they just got fined over XXXX XXXX XXXX dollars for doing this same nonsense behind other illegal banking practices under the noses of their own clients for years. They too over XXXX from me and are still giving me a hassle to this day. The lady said she would have the funds mailed out to me and than call me back when its done or to call her in two days. Its been two weeks and no response. Somethings got ta give. I just need those funds back. Im definitely gon na screen record this and put it up on social media. Ill have to write a new one everyday till I get back a response? How could a bank be so prejudiced towards a client and than steal from them? Thats how Ive been treated the past 3 years by the financial institution called Bank of America.

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit is reporting to my credit bureau that I owe them {$840.00}. I do not recall having two accounts with XXXX XXXX. I am only aware of 1 account which was paid and closed. That reflects on my credit bureau and that was for {$300.00}. The collection company will not send any proof that it belongs to me. No signed contract or anything. I have had fraud done to me. This is why I currently have a fraud alert active. I have disputed through the bureaus but the collection company keeps saying its valid but will not supply any proof. The credit bureaus do not ask for proof, which I feel like they should. To help the consumer. All they do is send the information to the collections. So how is that a dispute? They also added {$1.00} to the account to try to start over the process and statue of limitations. First they said it was {$840.00}. Then as of XX/XX/23 they new balance is {$840.00}. How can they just do that. That has to be illegal.

Company response to consumer: Closed with explanation