vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MA

Complaint narrative:
The CBE Group has been relentlessly sending letters in the mail and phone calls claiming I have a {$220.00} balance to XXXX. The service address in their claims is not my address, nor was it ever my address. 

I've contacted CBE group regarding this endless amounts of times. I have submitted disputes through the mail and over the phone. I have made complaints to the Iowa Attorney General and the Massachusetts Attorney General. 

I disputed the debt on XXXX. 

The last time I called CBE to remove the debt, they said they can not do that until I prove I never lived at the address. I explained that the burden of proof is in fact on CBE Group to prove I lived at the address and that the debt is mine. Clearly they do not have any standing as the representative said with boredom, " we're just a contracting company '' and offered no support. 

I have exhausted all resources to have this debt removed and to have communications from CBE regarding this bogus debt cease. A quick internet search will tell you that CBE is a scam group, making false claims to many consumers such as myself. 

CBE needs to be investigated and this situation needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I took out a credit card for XXXX. I was not working at the time but had a monthy percapita. Shortly after the pandemic hit. They told me if I didn't pay it back it would follow me for 7 years and never be able to get a loan. I tried to make payments but was unsuccessful. I also made a plea to pay what was initially owed as this is almost triple what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I fervently urge you to swiftly eliminate the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
one day i open my chase app, it was suddenly unlock and I was unable to login in. I called chase and they said they will close my account for no reason, I went to branch and check what happened, they said they do know. but they will give me my remaining balance in next 10 days, but it has been three week I still have not received my check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXXXXXX is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my 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 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a bill pay check payment from my Business checking account ( XXXX XXXX ) to my XXXX for {$700.00} ( the payment was a XXXX  refund for their security bond ). 
The check was cashed by the XXXX once on XX/XX/2023 and the exact same check was cashed again on XX/XX/2023. 
I can not contact the XXXX, but I have raised the issue with Bank of America on 3 phone calls ( attached is the letters from BoA ). Each time BoA admitted it was their error that validated the check twice and promised the money will be returned within 5 working days. After the last phone call I attended the local branch where I was told that I have to pursue the case civilly and the bank will not refund me.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX I attempted an online loan modification on my car loan with XXXX XXXX in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I attempted an online loan modification on my car loan with XXXX XXXX  in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX I attempted an online loan modification on my car loan with XXXX XXXX  in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have TD Convenience Banking checking account and applied for and received TD Cash credit card. The first full cycle was XX/XX/2023 for this card. 

In XXXX I set up " Auto-Pay '' to ON for minimum due on my credit card. My payments are due on first of each month. Auto pay is active since XX/XX/2023. 

On XX/XX/XXXX I noticed Auto-Pay did not go through and {$29.00} late fee was charged. When I log into the app it says Auto-pay has been active since XX/XX/2023 and there is enough balance in my checking account for this payment to have gone through. I have screen-shots from the app available if needed. 

On XX/XX/2023 around XXXX I called TD Banks customer service rep and spoke with " XXXX ''. I mentioned the issue and her answer was that due to a software patch the payments were'nt set up in their system. Yet I can see in the XXXX  app that Auto-Pay is still active and ON. 

This seemed troublesome to me as no mention of this was made by TD Bank in any form of written communication prior. 

XXXX then transferred me to her supeervisor " XXXX '' upon my request. XXXX told me the same thing that a software update effected everyone whose payment was due at month end. 

Since 100s or 1000s of consumers may have been impacted by this, I feel its necessary to report this. TD Bank should have sent a letter informing customers that Auto-Pay for minimum due would not have worked due to this software update error. 

My opinion is this is a form of late-fee harvesting and needs to be investigated. I am available to provide corresponding screen-shots and my notes from discussion with representatives of the bank. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My information was sold and bought illegally because of i was a victim of the XXXX data breach. I want these Items deleted from credit report effective immediately. I am aataching proof that XXXX has admitted that I was in fact a victim. Please see on the credit report attacthed what I am speaking of on my Experian credit report it has 72 addresses and 10 different variations of my name. This is totally out of line and defamations of charater as well as a violation of my rights I want my name and address it listed on my proof provided

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Capital One Financial for their negligent handling of my credit card account, which was unlawfully subjected to fraudulent activities. Upon discovering unauthorized transactions on XX/XX/2023, I promptly reported the issue to Capital One, resulting in the closure of my account due to the acknowledged fraud. Despite this closure, the financial institution has continued to assess exorbitant late fees and interest charges, compounding my financial distress. The lack of a thorough investigation into the fraudulent activities by Capital One is not only a breach of their duty to safeguard customer accounts but also a violation of consumer protection laws. The unprofessional conduct exhibited by Capital One 's customer service, including the use of inappropriate language and abrupt termination of calls, further underscores their disregard for customer well-being. I am disputing all late fees, interest charges, and additional transactions on the account that occurred after its closure due to fraud, and I urge CAPITAL ONE to investigate this matter thoroughly and take immediate legal action against Capital One to rectify the situation. Enclosed with this complaint are supporting documents, including copies of relevant statements and communication records with Capital One, which substantiate my claims and highlight the urgent need for intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested for accounts and address to be deleted due to identity fraud. The company claimed they validated the accounts which is false. Also I asked them to provide me with documentation of how the accounts were validated which they neglected to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX, Equifax and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, Equifax and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
XXXX, XXXX, XXXX and Lexis Nexis Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, XXXX, XXXX and Lexis Nexis Is falsely stating on my credit report and have yet to remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX Bank of America allowed a garnishment of - {$4200.00} from my money market savings account ( attached transaction image ). They did not notify me of the transaction before or after. 

I called to report it as fraud because I didnt recognize Legal Order, XXXX XXXX as an authorized transaction on my account. I was informed that it was a court order and they couldnt provide me with the entity name or information pertaining to the order. I was told I would have to go to a bank branch to get this information and a copy of the supporting document. 

After visiting the bank branch on XX/XX/XXXX, I was provided a copy of a one-page document that contained very little information as a court order ( attached ). I learned that Bank of America allowed the garnishment by the state of CA for a matter that is currently still in dispute. I am a NC resident and have been for the past 36 years. CA, in error, has charged me XXXX resident income taxes vs. an investor in a passive business investment I have in the state. I have never been a CA resident in any capacity. My bank account has always originated in NC and never CA. 

I asked for a copy of the bank policies permitting the garnishment. I was informed I would need to reference my original account documents from when I opened ( nearly two decades ago ). Given the age of my account, I informed them I no longer have these documents. I was handed a booklet that new customers are given when opening an account in XXXX and told that I would need to read through that to find the information I was looking for. I have not been able to locate any clear language in this material to explain the business practices/policies regarding matters like these. 

I recently found the attached article referencing the actions your organization has taken against Bank of America in the past 24-months for situations like mine : unauthorized garnishments and deceptive consumer information regarding their rights ; imposing unenforceable clauses in take it or leave it customer contracts; failing to adhere to consumer protections and acting on garnishment orders without disclosing that the accounts were located out-of-state and protected from the issuing courts garnishment orders.

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 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion : XXXX, XXXX are all reporting inquires that I'm not aware of and definitely did not authorized XXXX XXXX XX/XX/2023. XX/XX/2023 XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

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 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I didn't received any feedbacks and resolution from these Collection departments. I need a Debt Validation for this alleged debt.

Company response to consumer: Closed with explanation