vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to the drive through atm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX between XXXX and put cash into the ATM i didnt count exact how much i put in, it was around {$900.00} the atm jammed then spit cash back out and said it couldn't take it. I took all of the cash that it spit back out. And then it said it kept the rest of my money because I did not take it within the timeframe and to contact my financial institution. ( I assume it was jammed as no more money came out ) I couldn't it and I only got around {$400.00} back so the rest of my cash was in the atm. I contacted XXXX XXXX they said to file a claim with navy Fed regarding this and I was issued a credit for $ XXXX navy Fed while they said they would look into the claim and said they would get the exact amount that was deposited as I wasn't sure of the exact amount that I put in the ATM or the exact amount that was not given back to me. Which is why I was expecting for Navy Federal to reach out to XXXX XXXX to find out the exact amount and get that ATM transaction because I did not receive a receipt. 2 days ago navy Fed revered the credit and said I benefited from the transaction .... they didn't reach out to XXXX XXXX to see the atm transaction that happened or even to get the exact amount that was put into the machine which I knoww is available. I reached back out to navy Fed 2 days ago and they got back to me today XX/XX/16 saying the same thing the claim is considered " resolved '' which it isnt as they never got the exact amount and I'm missing my money.. I need this money I'm a single mom and how can an atm just take my money and the bank doesn't even take the time to help their customers im not trying to scam anyone. I was recorded I'm sure at the ATM when I was there. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
I haven't done anything. was unaware I owed this kind of money to them. I go to the office every XXXX and I always pay my co-payment at the time of service, so not sure why I all of a sudden have a debt of {$1400.00} account number XXXX. 
If this is a debt I owe it will need to be set up on payments since I am living on a fixed income. 
Thank You XXXX XXXX the best way to reach me is via e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian/XXXX/ XXXX Account : XXXX XXXX XXXX XXXX Original balance : {$27000.00} Date opened : XX/XX/XXXX Account name : XXXX XXXX Balance : {$6600.00} Date opened : XX/XX/XXXX Never lived at the following addresses : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My rights have been violated : They are furnishing and reporting inaccurate information on my credit report. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. 2 : it also states a consumer reporting agency can not furnish a account without my written instructions I have contacted them several times and just recently today XX/XX/XXXX with no successful outcome.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them because the harassment has to end. This complaint is pointed toward Midland Credit Management.. All details and correspondence are attached to this complaint. I have no business or obligation to this company and the abuse has to end. I have attached a letter displaying a full detailed timeline and events that took place. I have been so stressed and I wake up with anxiety headaches in reference to their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Its been more than 4 days since Equifax received my dispute letter on XXXX XXXX 2023 and I have not gotten a response stating they received my dispute and started processing it here is my certified tracking # : XXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have Medi-Cal have always had Medi-Cal ( Government Insurance ) and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is the second time this year that a XXXX account has showed up on my credit report with no owner name, zip code, or any identifying information so I am actually able to get the account removed. How is a credit agency allowed to add an account to my report that isn't even linked with my social security number? I called XXXX and was told they could give me no information about the account because they didn't have it. I don't understand how it is even on my report, twice even, if there is nothing that connects this account to me. I spoke with XXXX 's fraud department and they said my name was similar to the account holder 's authorized user and that's how this happened. What! A similar name is all it takes for my credit score to take a spin twice in a year. This has to criminal. Why do I have to waste my time and money missing work to fix these issues when there should be checks and balances to prevent this in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: FL

Complaint narrative:
My spouse and I paid off a loan in XX/XX/XXXX with the Bank of the West. I/we have made 4 phone calls in order to secure the interest paid letter during XXXX. They claim a XXXX party is to blame and they've had an array of issues, not to mention having the XXXX 's based overseas ; and who are otherwise unable to assist. Today, I again placed a call and the manager stated that our document ( s ) were mailed on XX/XX/XXXX, which is a lie because the other two calls ( both XXXX 's ) indicated that the documents were not ready in time and thus had not been mailed. During the 3rd call, we were told that it would be placed into the queue for yet ANOTHER COPY, which of course never arrived ; and today is XX/XX/XXXX. I/we must file our taxes per the IRS/Government by XX/XX/XXXX, yet how are we to do that when the Banking XXXX are failing to follow the Law by providing said documents when they become due on the XXXX day of XXXX each year? This bank has been nothing short of a nightmare during ALL inquiries, to include getting our payoff letter of satisfaction and loan release.

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 2023-02-16 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: EQUIFAX, INC.
State: VA

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. Account name XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXXXXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX {$1300.00} Account name : XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: MO

Complaint narrative:
I received a non-specific medical bill from XXXX XXXX XXXX in IL ( my acct # XXXX ) for around {$1200.00} in XXXX of 2022 - it read office " office visit '' or something like that. I knew I had not been in the XXXX area for any office visit - I live in XXXX XXXX, MO. 

Long story short, I was on vacation when the bill arrived and subsequently got sick with XXXX, so it was several weeks before I addressed the bill. 

I thought the bill was bogus - a scam - they said on the bill that the fee would LITERALLY DOUBLE if not paid within 30 days, which I thought was a ridiculous, high pressure tactic to scare some people to pay a bogus medical bill. 

I checked with my employer and they said they thought it may possibly be a legitimate bill of some sort, so I called the XXXX XXXX XXXX billing and they explained that this fee was actually for XXXX that a doctor of mine did, in fact, order. They pressured me to immediately pay or pay DOUBLE if the invoice was not paid within the 30 days. I told them I would not immediately pay, but that I would mail a check within a day or two after confirming with my doctor and my insurance carrier that the bill was, in fact, legitimate. 

After verifying that this was a proper bill from doctor and insurance carrier, I immediately mailed the check and paid the invoice in full. They probably received the check within 40 or 45 days, rather than the 30 they were demanding.

Since that time, I have received literally hundreds of phone calls from two different collection agencies attempting to collect an additional {$1200.00} - literally DOUBLE the original bill.

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 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I want a check sent to my address on the account. I don't want to talk to them anymore. The whole thing is complicated and they make it that way. But when someone steals money they don't go through none of this because they have their ways. I don't have " their ways '' as I am a honest person. A person who had a XXXX and will get a XXXX talking to them. Making me seem combative. They called me while I was sleep and then another while I was busy. This is too complicated and they'd probably try and talk me out of it or tell me I can't and waist my time once again. I don't want to do business with this company anymore. I was DONE with them when this happened. It's just a a wonder for me that they sent me like " XXXX '' cents ( not the amount but it was a small amount ) and decided to just keep the rest in the account and just lock me out. That's insane. I have the login to the account and check it every other 2 months. It has the full amount in there with literal dollars piling up on top of it due to their system detecting the money is there. It shouldn't and I don't want to do business with Capitol One 360 again. Just send me my check and this will be over. This happened about a year ago. This is thievery at the corporate level. Sorry but im not a person that will take this. Yeah, because of my XXXX it took a while for me to get here. But XXXXm here now and im not taking any of their stuff anymore. Sorry Capitol One 360 but XXXX XXXX XXXX, won't be a victim. I want the check sent to the house on the account and that's it. I don't want to talk to them or anything. They'd probably steal some of the money. I'm not stupid. So to clarify. The bank is Capitol One 360 and their holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
n 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. Account name XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXXXXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX {$1300.00} Account name XXXX XXXX XXXX XXXXXXXX {$900.00} Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX  {$420.00} Account name : XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} 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 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 2023-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for Unemployment benefits in XXXX of XXXX. A debit card from Bank of America was supposed to be mailed to me then but I never received one. In XX/XX/XXXX my EDD account was temporarily disqualified due to an Identification issue. At the time I didnt have a valid drivers license so it took me a while to verify my self. By XX/XX/XXXX after going through all the hoops and hurtles with EDD my I.D . Was verified and I was able to receive benefits. Upon receiving my first benefits in XXXX of XXXX in check form I was informed that a debit card was sent out in XXXX and I certified for benefits on there and EDD paid Bank of America and from now on my benefits would be paid out in checks. They said I need to contact Bank of America about the money that was put on the card in XXXX I never received. I sat on the phone for hours with Bank of America prepaid and with EDD trying to get this resolved. On one end Bank of America says there is still a block on my account due to my sponsor ( EDD ) and I have to have them lift it. When I speak to EDD they claim theyve reached out multiple times. It nothing has changed. It was {$13000.00} deposited on the debit card to be exact that I never had access to, and this had been going on since 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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RENASANT CORPORATION
State: SC

Complaint narrative:
My mortgage payment is $ XXXX. Each month when I paid my mortgage. I paid an additional amount at that time on the principal. In addition to this, I made small principle payments on my mortgage during the month. When XXXX sold my mortgage to XXXX in XXXX. XXXX determined that those additional payments were partial payments. They collected that money into an account and transferred this money separately to 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