vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU has abused my intelligence along with my access and use of checking account, the whole time Ive had this account they never reported my excellence of banking. But I did receive a no access warning while out shopping and to call them and was not able view my account over 6 months ago. I called their fraud department and spoke XXXX and whom talked to with very condescending threats about me receiving a cash app deposit as if he was implying that I was money laundering and he sent me an affidavit to file out and complete and since this Ive havent heard anything. But I fo know all these banks that have closed my accounts are in legal trouble and laws suits themselves and Im suffering behind their fraudulent and the federal reserve needs to do something about this. Its ridiculous cause filing these complaints gets it nowhere okay XXXX you have NFCU listed in a mayor lawsuit for intentionally closing accounts no reason Im including myself as part of this abuse in this pending case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is about Chase. I am helping a nonprofit charity which is setup under 501 ( c ) ( 3 ). I have been sending checks to them for different causes; such as orphan care, refugees etc. 

I use my bank 's " Pay Bills '' feature which cuts and sends them a check. There is a memo field which I filled this time with " XXXX XXXX XXXX '' to instruct that I would rather have the funds be spent in the XXXX XXXX XXXX XXXX that we often see in news which have hardship due to winter. 

XXXX Chase, did a simple text search and blocked my check, and witholding funds and threatening to confiscate my funds ( " Provide detailed purpose of payment. Payments involving XXXX are only permissible under certain XXXX regulations, authorizations and or licenses. Remitter is to please cite the applicable regulation/authorization/license under which this payment is permissible ... If a response is not received within a timely manner, the funds could be affected in accordance with the sanctioned program '' ). 

- I told them in my response, in exact wording : " This is a XXXX organization providing support for syrian and afghan refugees. '' Do I need to provide anything anymore? Just because I mentioned " XXXX XXXX XXXX '', they categorized it as Payments involving XXXX. It does not involve XXXX, it involves XXXX. They are still witholding my payment even after telling them that this is a XXXX ( c ) ( 3 ) organization that I have been sending money to, and that the address is a XXXX address with the organization 's name on the fund. They are now asking : " Please advise of location of XXXX XXXX.. ". This is despicable, am I supposed to know where the XXXX XXXX  are? 

- I am sending to a charity, in the US, to a US address. In no way this indicates that I am sending money oversees. 

- This is XXXX and discriminative. My memo in no way mentioned or indicated that the funds were destined to " XXXX ''. The Bank thinks " Payments involving XXXX '', will this be the same case if I say " For Syrian Music Concert ''? " In excange for XXXX Carpets '' or whatever? Or is it a " Payments involving XXXX '' context when it is about " refugees '' - In a subsequent pay, I put " Winterization efforts for refugees '', and when their background is not mentioned, the payment is fine. So, it is the " XXXX XXXX  '' that the bank does not want to deal with? 

I am not in a place to advise anyone on location of XXXX  XXXX. This is abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I completed my modification in XX/XX/2021 and started making my payments may of XXXX. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective may and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
Reporting invalidated and unverified information to consumer reporting agencies. Buying my Personal Information without my written consent which is an invasion of my privacy. Reporting an alleged debt of {$1100.00} when there is no written contract between me and MARS INC. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find abusive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
i requested for a debt validation letter for XXXX on XX/XX/2022. 
and the company has failed to validate my debt. instead they just sent a list of my medical records, which i know is a direct violation of XXXX regulations. i never signed a XXXX form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Carvana Group, LLC
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from Carvana. I financed about {$4500.00} with a company chosen by Carvana called XXXX. I paid this loan off IN FULL on XX/XX/XXXX. Carvana did not register my truck until the end of XXXX, almost XXXX days AFTER the loan was paid in full. They listed themselves as the lienholder at the time of registration, and they registered the truck in a county I do not live in, which is illegal in Tennessee. XXXX states that Carvana and XXXX are " XXXX in the same '' company, yet they are not ; XXXX is the loan servicer. Carvana will not provide title despite numerous requests. XXXX issued a Paid in Full letter that came directly from them as if they were the lienholder, and they did not sign it, so it was rejected by the XXXX and XXXX XXXX. I have filed a complaint with the TN Dept. of Commerce and Insurance, but they only sanction the dealer, they can not help enforce releasing the title. Attached is XXXX pages of documentation showing the procrastination and smoke and mirrors by these XXXX companies. It will be XXXX days since the loan has been paid in full and I need my title, or a legal release of lien signed by the listed lienholder, Carvana.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a natural person and consumer. EXPERIAN has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EXPERIAN violating my federally protected consumer rights.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX To : The XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, L.L.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and Capital One Bank ( USA ) National Association is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

XXXX XXXX XXXX XXXX XXXX, has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: MI

Complaint narrative:
I am a natural person and consumer. TRANSUNION has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to TRANSUNION violating my federally protected consumer rights.

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 2022-02-03 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. My insurance broker overcharged Bank of America approximately {$10000.00} which they notified me and submitted a check to Bank of America to reimburse them in XXXX of 2021. 
2. Because of the overcharge this placed my escrow account at a negative {$10000.00}.

3. Upon receipt of the approximate {$10000.00} check, Bank of America did not replenish the {$10000.00} in the escrow, but instead took the money and applied to other accounts.

4. This then caused numerous accounting anomalies resulting from the remaining negative escrow account. They, Bank of America, would take my monthly payment and break it up into what I call creative banking accounting, making partial payments to different items. 
5. Then they transferred my mortgage to XXXX XXXX on XX/XX/2021 with the negative Escrow 6. New lender states I have to replenish my escrow by the end of the month or face legal proceeding 7. I have uploaded the ups reciect that the insurance delivered the check to Bank of America. I also uploaded the Bank statement for XXXX and XXXX showing how they appropiated part of the payment which was not the escrow 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 2022-02-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had XXXX  days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside XXXX  days of the completing of your reconsideration.

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 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Received collection notice from Wakefield and Associates for a medical debt that did not exist. When I called in the representative attempted to get personal information. When I began to question and let them know I would be reaching out to the company in which the alleged debt was owed, they became very aggressive with their communication. After confirming with the company that there was not a outstanding debt I called them back to seek further information and they again started asking for personal information but different questions this time. It appeared that this was an effort to collect as much information as possible for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX  via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting XXXX  ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to TD Auto Finance XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: NY

Complaint narrative:
I am writing in reference to the XXXX day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX XXXX credit bureaus Experian, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with Experian but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from Experian that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from Experian ) Attachment Summary : XXXX ) Copy of my XXXX bureaus credit reports circled the erroneous reporting XXXX ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to XXXX XXXX XXXX  XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from Experian

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I took a no interest payment plan through XXXX XXXX that went to Wells Fargo. My monthly payments were supposed to be {$73.00} each month. Each and every month I paid {$100.00} toward the loan. I then began to get late notices from Wells Fargo stating that no payment had been made. So I made additional {$100.00} payments. They charged me a {$38.00} late fee and a {$1.00} minimum interest charge for a number of months. They initially waived some of the payment fees because they saw that I was making larger than expected payments and the payments were made before the payment was acutally due. They now tell me that I can not pay the amount early since their " system doesn't handle payments that way ''. I believe in the State of Wisconsin a bank can not charge for paying EARLY. I view this charge of a late fee and interest charge as a fee charged because I prepaid this account. No one at Wells Fargo seems to understand that. I will attach copies of two bills showing the late fee and minimum interest charge. I have a spreadsheet of payments I've made to Wells Fargo since the middle of 2020. I want Wells Fargo to REFUND ALL fees charged to my account, report my payment history as such, and comply with the law in the State of Wisconsin.

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 2022-02-03 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: MI

Complaint narrative:
I am a natural person and consumer. EQUIFAX has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EQUIFAX violating my federally protected consumer rights.

Company response to consumer: Closed with explanation