vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XX/XX/2022 I opened a commercial account with Chase bank, after having opened a personal account that there was a problem which also froze my account and they made me open another personal account closing my first account but I no longer qualified for the bonus coupon Welcome, it was disappointing. But the problem did not end there when I opened my business account for my business that started legally in the state of XXXX, did not receive my business debit card and chase financial company has been called to resolve but XXXX requests have been made that they do not I have received a debit card from my commercial account and I was affected by not being able to make my purchases with the commercial account related to my company. They say that it is a mail problem but other entities if I receive mail, then they said that they will request expedited shipping and they they would charge a fee for the shipping and to give another address, so i agreed and gave my old address and they charged me {$5.00} replacement card and to my surprise it was the same card from my personal account replaced not my business debit card, like this I still haven't received my debit card from my business account. I already tried to solve it with them but I don't know what they are playing at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is my third complaint on wells fargo. They are not answering my questions through here and keep closing the case. I am going to continue to file complaints until they are held responsible. They " suppressed '' reporting my vehicle payments on my credit until I had to extensively fight for it. And the still have no valid reason to why? Are banks not held accountable for this information any more? I am not taking either of their previous two responses as a answer. They ignored phone calls and written letters of mine. and only responded when I got the CFPB involved and they keep giving XXXX answers that are unexpectable. Why was the reporting withheld?! How can a company purposely harm a consumers credit and not be held responsible and not tell said consumer why? And avoid answering questions? 
NOTE previous two attempts to resolve this matter 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please investigate and correct the following items immediately : 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

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
PayPal credit Synchrony bank claims that an ACH payment attempt was made on XX/XX/2023 through my XXXX  bank account and returned unpaid. XXXX  has no record of the XXXX attempt. PayPal/Synchrony is unable to explain the failed ACH attempt. There is a {$30.00} charge placed on my account. I have been paying my monthly payment with this same method for years. After a phone call on XX/XX/2023 Synchrony bank has received payment directly from my XXXX  account. 

Also PayPal Mastercard has an issue with excepting payment through their website portal. I have spent over an hour on the phone with PayPal and Synchrony bank neither of which can explain the failed ACH attempt or the failure to except payments through their online portal. 
Synchrony bank claims that they will remove the {$30.00} fee, but I have not seen the return as yet. 
I have spent over an hour on the phone with PayPal technical support with no resolution to the payment portal issue or the failed ACH payment.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Dear AMERICAN EXPRESS ; XXXX ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to XXXX calendar days to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XX/XX/3 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collecting for Midland Credit managment XXXX who was collecting for XXXX XXXX  I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
Received payoff statement. Wired more than the payoff amount. Representative said the payoff letter may not be good. She was seeing a prepayment penalty if paid off before 36 months. This loan was taken out XX/XX/XXXX and today it is XX/XX/XXXX, so it has been in excess of 36 month as the last day would have been XX/XX/XXXX. The prepayment clause speaks to 36 months, not 36 payments.

I have included the payoff letter which does not show a prepayment fee and the loan which clearly states a fee if paid off within 36 months, which this was not.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act, All information must be 100 percent accurate on my report.

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is attachments below.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX ; XXXX ; XXXX ; Transunion ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as 30/60/90/120+ days late or a XXXX For example, the dates of 1st delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX ; XXXX ; Equifax ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX ; Experian ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

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 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Received an invoice to pay for bicycle repairs through paypal. They use a deceptive user interface to induce account creation while hiding the ability to perform a guest transaction. They subsequently demanded copies of social security and driver 's license to process the credit card payment. I made credit card payment to the vendor through other means. Paypal refuses to " close '' the " account '' without providing social security and driver 's license information even though it was created in error on the same day and has never sent or received any transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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. Before starting, I would like to thank you for helping me. I opened business account with Bank Of America. The name of the business is XXXX XXXX. However, after 3 days it was opened, the bank closed the account. They never answered me back so I could know why they closed it. However, the issue is that they required me to deposit XXXX $ when opening the card, and I did so. After they closed down the account, I called them several times to understand how could I get my money back from the account. Neither time they knew what was going to happen. Let me also mention that the company is based in WA but the mailing adress is in CA address. I even received my debit cards to my CA address, but I could not withdraw any money from it because the account was already closed when I received the card. Today I went to BOFA branch asking them to give my money back, however, they stated that I had to call BOFA for that and provided the number XXXX. I called them, spoke for 1 hour, asked them where is the money, they told me that they mailed it to WA address. I told them that they were not supposed to do so because my mailing address was in CA and I need that money ASAP. They told me that they can not do anything about it and that I have to wait 120 days for them to reissue the check. They told me they are not going to void it. It is only their fault. Why would they send my debit card to the correct address, but send the check to a different one? I begged them to reissue it as I need that money desperatelly, they said nothing could be done. I even made a complaint against them and the complaint # is 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This complaint is to inform the CFPB that my privacy is being violated by this lender. I previously notified the company that I was invoking XXXX Form of opt out notice to consumers ; opt out methods. 
As of today, the company has been evasive in complying with my notarized affidavit. My time is valuable. 
And the law requires a lender to comply within ten business days after receiving this notice. 
Included in this letter is a copy of the document they received on the 2nd of XXXX. Sent to their post office box via XXXX XXXX XXXX XXXX 
I have tried to deal with this matter with civility. 
But this company has failed to provide a reasonable means for me to opt out. I am left with no other choice but to exercise my right under section iii ( A ) of this law. Which states The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right. And use the resources provided by the Consumer Financial Protection Bureau. 
The law all financial institutions must abide by ; ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; So consider this my official opt out notice. This does not require a 60 day investigation. 

Please be aware, the law also requires you to accept an opt out direction from the consumer. And honor the request within 10 business days. You can not require the recipient to give you any personally identifying information beyond an email address, or make the consumer take any step other than sending a reply email or visiting a single page on your website as a condition for honoring an opt-out request. This letter is not a request for a sixty day investigation. A simple compliance with my request for privacy will suffice.

And lastly, non compliance with a consumers right to privacy is subject to a civil penalty of no more than {$100000.00} for each violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
I was originally contacted by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hours of Operation ( CST ) : Mon-Fri XXXX - XXXX, Sat XXXX - XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX about a debt with XXXXXXXX XXXX. I have never had a financial relationship with this company and have no outstanding debts with them or with anyone in the amount claimed. I disputed the claim, but it took 3 months and dozens of emails for them to stop. 

On XX/XX/XXXX, I received an email from : First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PST, Mon-Fri www.fncbnv.com for the same debt. I have disputed this debt as well. Both collections companies are using a postal address at which I have never lived ( I have never even been to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX So clearly instead of terminating any attempts to collect this invalid debt, they simply sold it to another company. Each time they have threatened that not responding will legitimize this debt, however, they never acknowledge correspondence disputing the debt. I need CFPB 's help putting an end to this harassmet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was charged really high interest rates in the month of XX/XX/2015 for a used car auto loan i can not remember the exact amount but I paid back over XXXX for a XXXX auto loan. I tried a few times to correct this issue but they gave me the run arounds sent me to an automated machines if I called or just ignored me all together no action has been taken to correct this issue on the company 's behalf.

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