vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint regarding a dispute with XXXX XXXX, a furniture store that has since filed for bankruptcy and ceased operations, as well as with my financial institution, Capital One. Despite repeated efforts to resolve the matter, I have not received the furniture I purchased from American Freight, nor have I received a refund for these undelivered items. 

Details of the Issue : 1. Purchase and Non-Delivery : On XX/XX/XXXX, and XXXX, XXXX, I made significant purchases of furniture and other items from XXXX XXXX. The scheduled delivery date for these purchases was XX/XX/XXXX. 
On XX/XX/XXXX, I did not receive the delivery as promised. When I visited the store to inquire, the XXXX informed me that my purchases had been mistakenly given to another customer. Additionally, I was told that, due to the companys bankruptcy, they could not issue a refund and directed me to dispute the charge with my financial institution. 
XXXX. Efforts to Resolve with XXXX XXXX : I attempted to resolve the issue with XXXX XXXX directly, but they refused to provide a refund or any resolution, citing their bankruptcy status. 
XXXX. Dispute with Capital One : I filed a claim with my financial institution, Capital One, on XX/XX/XXXX, explaining that I paid for goods and services I never received. 
Despite my detailed account of the situation, Capital One has neither issued a temporary credit nor resolved the matter. They informed me that their investigation could take XXXX months, which is unacceptable given the circumstances. 
On XX/XX/XXXX, I spoke with a Capital One supervisor who claimed that my original report on XX/XX/XXXX was incomplete. I provided additional details and expressed my dissatisfaction with how this issue is being handled, as well as the unreasonable delay in providing a resolution. 
XXXX. Comparison to Previous Claims : In the past, I have filed similar claims with Capital One for non-delivered goods from other merchants ( e.g., XXXX, XXXX XXXX ). In those instances, I was promptly issued a temporary credit while the claims were investigated. This case is being handled differently without any clear explanation. 

Impact : This dispute involves significant purchases of furniture, not minor items or mail delays. The financial impact is substantial, and the ongoing delay in resolving this matter is causing significant stress and inconvenience. 

Requested Resolution : I am requesting : XXXX. XXXX issuance of a temporary credit by Capital One for the disputed amount. 
XXXX. A thorough investigation into the claim to ensure a fair resolution. 
XXXX. Transparency and accountability from both Capital One and XXXX XXXX in addressing this issue. 

I appreciate your attention to this matter and look forward to a timely and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CA

Complaint narrative:
Hello, Thank you for reviewing my complaint and providing support in hopefully reaching resolution. I have submitted at least 2 requests to Mohela ( upploading the appropriate forms ) for a 12 month deferrment as I work to resolve a financial hardship. Each request has been met with no confirmation of approval, only a response stating " please allow up to 90 days for processing your request '' however, I never receive confirmation it in fact has been processed ( approved ). The first request was in XX/XX/year> and the second request may have been in XXXX ( I am not certain ). A forebearance of 2 months was issued however, it was unrelated to my request of 12 months and was an Administrative Forebearance. I understand through my research that in XX/XX/year>, Moehla was sued for a wide range of unlawful practices including illegally denying service to borrowers that need help. The only communication I receive from Mohela, is notification of a past due payment. I understand repayment is my responsibility and I have only requested a 12 month forebearnce. Additionally, documents I have sent to them appear listed in their Inbox only to dissappear several weeks later. I am in desperate need for assistance. Attempts to contact them by phone have been futile as the wait time to speak to a customer service representative often exceeds one hour. Messages sent to them using their Message Center still do not provide me with the forebearance approval I am seeking and do little to answer the questions posed to them. If you notice, the " Documents Sent to Me '' list is quite extensive however, documents I sent to them have been deleted. Again, I sincerly appreciate your time and consideration. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: CA

Complaint narrative:
XX/XX/year> I received about XXXX calls. XX/XX/year> I received an astonishing XXXX calls! Everyday, except XXXX, I receive a minimum of XXXX calls. Every. Single. Day. When I called them back to ask them to stop calling, they said the only way they could do this is if I agree to a promise to pay. When I asked them why they call so many times, I was told they have an automatic system that places this call. I was irritated and just hung up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding a commercial loan that has been reported on my personal credit report. I believe this account was improperly added to my personal credit history. For my records and clarification, I am requesting the following information about this account : Account Information : Account Number : dont know Account Type : Commercial Loan Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account.

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 2025-01-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PatientFi, Inc.
State: GA

Complaint narrative:
XXXX # XXXX This company has been reporting this a fraudulent! Account was closed and charged off as of XX/XX/XXXX. Its XXXX. 
15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate XX/XX/XXXX Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) PATIENT/LAUNCH I am writing to formally dispute the accuracy of the information contained in my credit report issued by your agency. Under the provisions of 15 U.S.C. 1681e ( b ), you are required to ensure that the information provided is accurate, complete, and up to date. I have reviewed my report and found the following error ( s ) that I believe to be inaccurate : This information is incorrect, and I request that you conduct a thorough investigation and correct this information accordingly. I have attached relevant documents to support my claim, such as : In accordance with 15 U.S.C. 1681i, please initiate an investigation into this matter and inform me of the outcome. I request that you update my credit report as soon as the investigation is complete, and that you send me a copy of the corrected report. If the disputed information is found to be inaccurate or unverifiable, I ask that it be removed. 

Please let me know if you need any further information to process this dispute. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). I previously disputed an account ( XXXX XXXX account number # XXXX ) on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already contacted Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account # XXXX removal, and my recent dispute regarding the unauthorized reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX, 2024, Chase bank pulled a payment for XXXX XXXX from my bank account for the total of XXXX. This was expected as Chase pulled automatically for this bill monthly. However, being that it was XXXX, I was stretched a bit paying bills. I did not want to pay the overdraft fees for this, so that very same day, I promptly put XXXX back into m bank account to cover that bill, and then some. Even though Chase did not process my payment until the next morning. I do not understand why this happened though, as I put money into my account early in the day and well within the XXXX grace period of bringing my account up to date. Now a few days later, my account unfortunately went negative again. My husband got paid within XXXX of the other XXXX payments that pulled that I was charged for. XXXX fee was for a XXXX payment if XXXX, and the other was for a XXXX payment for XXXX. On XXXX, XXXX, I was shocked when I got hit with overdraft fees for XXXX XXXX. I expected XXXX overdraft fee from the XXXX payment overdraft, but not for the XXXX XXXXXXXX payment, in which I specifically made sure to put money in my account the same day for in order to cover that bill. That is just wrong and greedy on Chase banks end. How desperate is this bank. How can they charge me an overdraft fee for a payment that I made the same day, when it clearly states on their website that you have until XXXX XXXX, the next business day to avoid overdraft fees in which I had clearly brought my account up to date well within that time frame regarding the XXXX XXXXXXXX payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally request your assistance in removing negative reporting activity associated with the company XXXX XXXX account number XXXX from my credit report. This request is being made pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2, which provides protections for consumers in cases of inaccuracies or disputes. 

The matter in question has already been disputed directly with XXXX XXXX, but their failure to address it appropriately has caused continued harm to my credit profile. The inaccurate reporting has led to the following consequences : Denial of credit applications. 
Embarrassment and damage to my reputation and my mental health. 

The negative reporting is not only unjustified but also a violation of my rights under the FCRA. In accordance with Section 605B, I respectfully request the removal of all negative entries related to this matter from my credit report. 

Thank you for your assistance in protecting my consumer rights and ensuring the accuracy of 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 non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
Mohela 's customer service is very poor. There is no online support and when I try to contact someone via telephone the menu options take several minutes to get through and then the wait times are usually a minimum of 2-3 hours. Then when I finally get a call back I get transferred and am forced to wait significantly longer. I work as a resident and can not take time off of work to deal with these issues, it is unacceptable. Finally there are no options that can be done online. For example, you can not request a forbearance online. Nearly everything must be done via telephone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For 2 week straight they were charging me XXXX overdraft fees when wells fargo bank has a policy if you deposit to cover bedor XXXXXXXX XXXX same day they won't charge you.

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 2025-01-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I renewed a CD in a traditional IRA at Synchrony Bank for 14 months at 5 % APR. When I asked if I could convert this account to a XXXX IRA, I was verbally told I could convert it at any time during the 14 months to a XXXX without early withdraw penalty, change in the term, or the interest rate of the CD. On XX/XX/year> I called and asked to covert this account in its entirety to a XXXX. I was told to just print their " XXXX IRA conversion form '' request on line and just sign and submit electronically and it would be converted in about 10 days. After I submitted the forms I received an email to contact Synchrony. When I called I was told they could not convert the cd without filling out another form to open a XXXX account and by the way the best they could do upon conversion was a new 12 month term at a lower rate of 4 %. I asked to speak to a manager ( XXXX ) and she had no appreciation whatsoever that I had been given wrong information and stated the bank procedures could not just issue a XXXX and make the name change conversion like other banks and brokerages do. I asked if there was anything anywhere on the website or otherwise that said a XXXX Conversion could not be done on a traditional IRA without changing the original term and interest rate and was told there was not. Is it any wonder their people give out wrong information and the the public is also deceived. I would think the CFPB would at least require the bank to put this in writing somewhere! What if a person opened a 5 year or longer cd and found out they could not convert it to a XXXX without changing the term length and would have to take a lower interest rate! Please help the public CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is in reference to Complaint # XXXX. 

XXXXXXXX XXXX  from Wells Fargo Enterprise Complaints Management Office just called me to tell me that they have denied my claim on all fronts. ( Your office will be informed of this as well, she assured me. ) She apologized for how improperly my case was handled but confirmed that Wells Fargo would accept no liability in this case and I am now responsible for the full amount. 

I asked if they were able to trace the IP address where my account was accessed and if they were able to trace the ATM transaction at the end of the scam. They said they were not at liberty to share that information with me. I have no evidence that they have done ANY investigation into this matter. 

Is this not a Regulation E situation? If I am reading the law correctly, I should be liable for {$50.00}, not the full {$15000.00}. I informed the bank MOMENTS after the fraudulent activity occurred. I have been back and forth with them now for three months. 

Please advise... 
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