vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Sofi checking account frozen after a deposit was made from a family member, speaking to customer service said no timeline available for help and no one i can speak to directly to resolve the freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, ( XXXX ) XXXX, XXXX is trying to recover a debt on behalf of XXXX for {$4700.00} Account Number : XXXX Agency ID : XXXX. 

They have reported this against me and my spouse and reported to credit bureaus against both of our credit history that significantly reduced our credit rating. 

The debt does not belong to me or my spouse, nor we have any contract or agreement with either of the parties above, nor have ever hired them to provide any service. They have only produced a bill in our name that was meant for insurance company and we do not recognize the services XXXX mentioned in the bill. We would not have ever approved for what they are billing to us and the service they claimed they provided but did not and not with any agreement or contract with me or my XXXX. The bill-to customer in attached bill they are claiming is not me or my wife. And we have no contractual obligation.

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 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Over paid for the vehicle & I want my down payment back

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check in the amount of {$11000.00} into our joint XXXX account ( me and my wife ) yesterday, XX/XX/2024, before Wells Fargo 's cut-off time and received a receipt which stated that the funds will be available tomorrow, XX/XX/2024. The check that I deposited was issued from my business account at XXXX XXXX which had enough funds to cover the transaction. I verified today with XXXXXXXX XXXX that my check was cleared overnight without overdrawing my business account. I contacted Wells Fargo Bank to find out what happened to my funds and I was told by the supervisor that my check was returned/unprocessed due to not enough funds to clear the check at XXXX XXXX XXXX I asked Wells Fargo Bank to release my funds right away since I have processed my mortgage payments which currently overdrawn my account, however Wells Fargo Bank is not willing to do so stating that they do not have the funds.I need to file a complaint against Wells Fargo Bank and file an investigation in order to chase my {$11000.00}.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Hello My name is XXXX XXXX, and I would like to submit a request regarding a dispute. On today, XX/XX/year>, I received an alert from by bank that a hard inquiry had been initiated by FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX. I have not initiated this application and am concerned that my information is being utilized fraudulently. I contacted XXXX as I thought I had a freeze on my information with all XXXX credit bureaus, however I was advised to reach out to each one independently. In speaking with someone at XXXX today they have applied a freeze to my account which I would like to remain in place. I am also requesting that this information be removed from my record as I did not submit this application. Thank you for helping me to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover card has been profiting off of a intentional software low point. The payment due date is normally set by the customer and the app and website presently have XXXX that feature. For several months now I have been requesting to change the due date so that I can pay my balance back to XXXX and instead discover card is profiting with an interest charge because I am paying the day after the due date! I have been a long time customer I am familiar with the processes and I see this as a bald-faced profitable function. The software is abusing me as a customer so that discover card financial can profit off of this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This notice serves to alert you that you are improperly reporting an unauthorized inquiry on my consumer report. I have not authorized you to access my credit profile, and there is no legal basis for you to contact third parties and obtain my private information.

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 2024-04-16 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I am having an issue with Bank of America regarding my remaining funds and my cashiers check. I recently closed down my Bank of America prepaid account for the remaining balance of {$43000.00}. A check was mailed out to me for that amount while the check was on the way I kept calling Bank of America. They stated it would take XXXX XXXX XXXX XXXXiness days for the check to arrive. I called on the XXXX XXXX XXXX business day every day I was told to wait until the XXXX the XXXX business day came I called to re-order the check and place a stop payment on the check and they stated that the check has been stolen and cashed under a whole different name, which was XXXX XXXX. I quickly asked for the account number and the bank it was deposited into which was XXXX XXXX. I called XXXX XXXX  and informed them of the theft of the check and when I did so XXXX XXXX  placed a freeze on the account and stated that they will not lift the freeze and they will not reverse the funds back to Bank of America unless Bank of America itself contact them to retrieve the funds back. Ever since then I filed a police report I filled out a fraud packet and sent it to Bank of America through fax, ever since then I have not heard anything from them. They have not reversed the check back. They have not assisted me or gave me any updates. Please help me I need a new check re-issued. Thanks. 
( Deposited into XXXX XXXX  Account # XXXX under 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 monetary relief
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/XXXX I attempted to pay a merchant via Apple Pay with my Apple Card. XXXX was declined twice as he does not accept Apple Pay. I proceeded to pay him via XXXX and XXXX. 
Goldman Sachs then decided to charge me the {$3500.00}. I began a dispute- sent the information that the merchant was already paid. They continue to decline my disputes in favor of the merchant. I contacted the merchant myself who stated he was never contacted by anyone from Goldman Sachs, he then checked his account and confirmed he was never paid by Goldman Sachs and that both transactions were considered declined on his end as well. He sent proof of this as well as the payment from me for the services I have sent all of these over and over again and continue to be sent emails that deny my dispute in favor of the merchant. This is fraudulent as he was never paid in the first place by Goldman Sachs. I need this to be closed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX claiming to work with XXXX XXXX XXXX and that she was attempting to collect a debt. 

During the entirety of the call, XXXX was rude. She asked about my monthly bills and when I mentioned to her that I have XXXX kids she said that then my tax refund should be enough to cover the bill. I told her that it was not enough and I had not yet received it and she continued to state that I was lying because having XXXX kids I should receive a pretty big refund. She told me the tax credits is XXXX so times that by XXXX it should be plenty. I tried to explain that it was not that and she told me that I was lying. Then she moved onto to tell me that I can get a personal loan from a webpage online. I told her I wouldn't qualify and she got upset with me and told me that then I would have to ask for a loan from a family member. She then mentioned that I needed to reach out to HR where I worked to get a XXXX loan for that amount. She told me that I had until XXXX PM that day to figure it out or it would be reported to credit bureaus. 

I called back at around XXXX PM that day, and she answered the call. I told her I never received a written letter about the amount that I owed and I know that I am supposed to receive it and have 30 days to respond to the letter. She got upset and told me that she didn't have to and that I needed to figure out how to pay right then. I then asked if I could speak to someone else and she said there was no one else to talk to. I hung up and called the number and she answered once again and laughed and told me that I would not be talking to anyone but her. I told her I would not make any arrangement XXXX to make the payment until I received the letter. She told me she was going to move forward stating I was refusing to pay. I told her that I was not refusing to pay that I am just asking for the written letter stating the information regarding the debt. When I mentioned that she stopped talking and waited for me to hang up. 

I have not received a written letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request my consumer report for XXXX and the current month, as well as my consumer file, to be sent to my email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OK

Complaint narrative:
Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXXXXXX 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 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX XXXX XXXX XXXX ; because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Was charged {$570.00} miscellaneous fee on my XXXX statement. Called and was told it was for a repossession fee however my car was never repossessed. They are refusing to take the charge off and this is the second time I have dealt with them either trying to illegally take money from me or " losing '' payments that I have made.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A fraud claim was filed against me from a client of mine. No one at Navy federal contacted me, emailed me or sent a message through my online banking. How I found out they had my funds on hold was because I called and asked where my money was. I was told it was on hold. I asked why they could not tell me anything. My thing is I have been with Navy federal for years. I have put {$30000.00} to {$60000.00} in the account monthly. When I asked about why no one has let me know of the claim to see if I had proof they told me to go to court. I said why would I go to court and I did not file the claim. Not only did my checking have a hold on it a hold was placed on my son savings account and he has his own account that is not mine. When I called they could not tell me anything. I was told on XX/XX/XXXX by a supervisor to upload my proof verifying my innocence she walked me through it and they still did nothing. They did not fight for me I had proof that it was not fraud and that I provided services to the individual and no one cared no one wanted the truth. Today XX/XX/XXXX my funds where withdrawn from my account and sent to the guy who filed a false claim against me. Without anyone fighting for me. I went to XXXX XXXX XXXXXXXX and tried to submit the proof to the bank that filed the claim they told me that I need to submit it through my bank but Navy Federal has refused to accept any proof from me. My son is in XXXX  and they have his account blocked as well. This is unfair and I am seeking justice and better laws and I would love for an attorney to assist me with bringing down banks who do jog protect the consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NY

Complaint narrative:
I am writing to request my consumer report for XXXX and the current month, as well as my consumer file, to be sent to my email address.

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 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report. I did not authorize its creation or use. Enclosed are the documents to substantiate my claim.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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