vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX says I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ... t XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I tried to contact the company through the website and keep getting 403 forbidden message. I tried to call and couldnt connect to a live person. I was just trying to contact them for an extension in repayment and now Im concerned that I wont be able to repay early and I will be responsible for all the interest, which is A LOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I was sent a letters in the mail claiming that I owe a debt which is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, American Credit Acceptance repossessed my XXXX XXXX XXXX. According to my records I am currently due for XX/XX/XXXX, and XX/XX/XXXX payment. I was given and approved for an ( 3 ) month extension in XXXX. I made the following payments : XX/XX/XXXX, XX/XX/XXXX, which was applied to the month of XXXX. I was going to pay the XXXX payment on XX/XX/XXXX. I called American Credit Acceptance to discuss my account and it was bought to my attention that the extension was never applied to my account. When I went into the borrower portal to check on my account, the transaction history is unavailable and the account is currently due for {$4400.00}. This information is not correct had the ( 3 ) month extension been applied to the account. I was told what was needed for a reinstatement which I do not have at this time. Also currently the interest rate is 20 % and I am still owe {$52000.00}, on this loan. American Credit acceptance never applied the extension and I have done everything to keep up with the payments. They never contacted me to let me know that the extension was never applied. The repossession occurred while taking my kids to their first day of school. The reinstatement department stated that someone from " upper management '' would be contacting me however, they did not explain why. Due to this misunderstanding we are without transportation, and we do not have a point of contact to get this matter resolved. American credit Acceptance has not been easy to work with and their total lack of communication has proven that they do not care or live up to the relief programs that they offer. I have attached all of the documentation that I received from American credit acceptance. According to my records we are due for XX/XX/XXXX, and XX/XX/XXXX, which would make us 29 days past due had the extension been applied to our account. We both signed electronically within the American Credit Acceptance system. We also paid the XXXX payment early as good faith towards the extension agreement. As you can see the payment was credited and then reversed, and then credited again on the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I received a Check for {$5600.00} from Iowa XXXX XXXX, on Thursday XX/XX/22. I went to Bank of America to deposit the check. A banker stated the funds will be available the next day. On Friday the XX/XX/22, I check my mobile bank app from Bank of America, and the funds was not in the account. The bank app stated it was on hold until XX/XX/22. I went to Bank of America thereafter to find out why the check was on hold and didn't clear. A banker by the name of XXXX XXXX, he said it was an unusual amount. I have been a Bank of America customer for over 2 years. I don't understand why my funds have to be put on hold for this length of time.

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 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I went to gas station to get gas my card kept saying declined I called bank of America and went to the bank all they said was they closed my account. They didn't give me a reason. I have XXXX dollars in it and a direct deposit check. They won't give my money I need my money I can't get gas to go to work or get food this is a big inconvenience and it's frustrating they closed my account for no reason!

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
These revolving account were closed and or numbers changed for lost cards etc. 

I am unable to call them to close these accounts because their automated systems only allow me to access the current account that I use. 

I only have a {$800.00} credit limit that i can use. 

So this makes their reporting false. 

There also is no reason for them to report this on my credit report or have the accounts open, when i can not access them.

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 2022-08-29 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: Block, Inc.
State: MA

Complaint narrative:
Hello My name is XXXX I am filing a complaint against CASHAPP on XX/XX/XXXX I sent {$270.00} dollars from my cash app account to my other cash app account that I no longer have access to by mistake i try to cancel the transaction but was unable to. I immediately contacted cash app support and they said they would try and let me gain access to my account I answered All questions and they can clearly see it is my name on both accounts and they denied me access to my own funds I have tried this over 20 times with o help at all I even went to find my debit card number which was an hour drive away to a bank I no longer have and entered it in the cashapp log in and they denied me access once again I need to get my money back because I work hard to earn my money it is not free or given to me I jave all conversations by email and dates I have contacted them which is on a weekly basis and two or three times a week since XX/XX/XXXX This is unacceptable and deceptive of the company that states they can help especially being able to verify all my information address and everything with my current account, as if they are going to steal my money because what will it do just sit there in an account that is not being used

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My card was having a great deal of trouble with their site being down and I could not access my account. Clients were told to call the XXXX number but that was also down. For numerous days. As a result if this outage I could not tell if I had paid off my balance and accidentally overpaid. It was because of the outage and inability to access my account at all for days that I chose to lock and then close the account. I did so and when I finally got an agent I was told the account was closed and what my refunded balance would be. Weeks passed and I got no refund check. I finally called and was told that my refund had been approved on the XXXX of XXXX and the check was being cut. I wait more weeks and still no check. I called again today and was told that my refund check had just been approved on the XXXX of this month, almost verbatim of what I was told last month by a different agent. In the end, I said 3 to 4 months to get my money was unacceptable. I was then told that if I called a special number and got my bank to send proof that I had paid my account off, then they could expedite my refund. They already know this. They have told me that repeatedly. As for expediting my refund, its already been 2 months. If I were to not pay my credit card for 2 to 3 months, you can bet Id be paying some interest. Why is the credit card company able to withhold my money for months, earning interest on it, and have no penalties? All I want it my refund in a timely manner. At this point they are saying XXXX. That is not alright with me. That is literally months late and they told me my refund was approved XX/XX/22. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV

Complaint narrative:
During an emergency room visit to XXXX XXXX XXXX for a medical issue I told the hospital doctor and intake nurse I had NO medical insurance. I signed the forms to that effect and they indicated the bill would be sent to XXXX XXXXXXXX. I left and didnt hear anything until months later when the hospital sent the bill to me demanding payment. I called immediately to patient billing and explained forms were signed and the hospital staff were to send to XXXX. They never followed up and time passed and they never returned my calls to follow up. I dispute this medical debt- it is not mine the hospital assured me it would be paid by the agency. It was not. I have exhausted all attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: PR

Complaint narrative:
Im trying to voluntary resign the car because I move to XXXX XXXX and the bank didnt let me take the car with me. 

I make the calls every week since XX/XX/XXXX and we are on XXXX they pass my to different levels of employees and no one can resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My student loan when I attended XXXX XXXX were federal loans. Somehow Navient is now showing it as an XXXX loan which does not allow me to have {$10000.00} forgiven. When asked for my paperwork showing the change in my loan I was just told that it's in income based deferment till my issue with a for profit school I attended is resolved. I have already paid off that loan through another servicer. I want to see the forms that I signed where I consolidated my original loans from NY State Higher Education from a federal to a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I received dispute letters back from XXXX showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently 4 accounts and 4 collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my Trans Union account after notifying them XXXX has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from TransUnion, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.

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 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Sallie Mae / Navient has made multiple errors recording my payments since XXXX some were made in XXXX XXXXNavient has been extremely irresponsible responding to my requests and demands in order to verify what the actual balance of my daughter 's accounts is. I have been trying to get them to verify they have received every one of my payments for every account. I have been making these requests and later demands since XXXX. I need them to confirm first of all that they have recorded every payment I have made for two daughters with a total of 5-7 subaccounts. They have made errors with the Stafford loans numerous times. When they send me their " disbursements '' records it does not show any total of my payments made since XXXX. Many of their payments appear unfamiliar compared to my bank records. The Consolidated part of the loan is actually the earliest ( previously called XXXX XXXX  in XXXX ) and yet they claim there is still a balance for that portion of the loan. For the past two years they ignore my requests/ demands simply responding : " they have already addressed those issues '' They fail to take responsibility for the mistakes they have made such as entering one of 5 monthly payments to the wrong account, failing to demonstrate they received more than minimal monthly amount on statement when I often added {$100.00} - {$300.00} in order to get loans paid off sooner. They made several errors in XX/XX/XXXX - mixing my Consolidated with Stafford and then sending a refund through the Social Security department and then failing to confirm they received that when I endorsed the chack back to them. That same month they sent a refund to my daughter instead of entering on my account. Those problems are what lead me to warn them 6 months in advance and then cease making any further payments until they provide information I need to verify their records match my XXXX bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
The account was paid in full in XX/XX/2022. Also in XX/XX/2022, I was billed fraudulently. I reported it in XX/XX/2022 when I received my statement with a balance and saw the purchase I never made. Since then, I have contacted them almost every 2 weeks and they keep telling me they are working on it. Each month they continue to report to the credit bureaus my account is past due. It is now the end of XXXX and I have no resolution. An attorney is now my next steps. Absolutely the worst Customer Service/Freud department XXXX Their staff, no matter who answers, is always difficult to understand as well. STAY AWAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: WY

Complaint narrative:
On XX/XX/2022 I was approved for haf funds and they sent. A {$17000.00} to Truist. From the haf funds Another check was sent XX/XX/2022. 
This mortgage company refuses to cancel a 40 year modification that we have never agreed to it. They will not cash the {$17000.00} check so we can go back to making our regular scheduled monthly payments through the deferral. 
Nobody has any answers they keep lying and giving us false information I am completely over it please make them cash that check

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 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
So I Received a " Check '' from someone and they said to pay some money to an orphanage. so I did, a few days later, my bank account ( USAA ) was locked, and they told me after a 4 hour call hold, that I needed to pay {$2600.00} to unlock my account and that it was a scam. they refused to help cover it. 

Its been 3 months, and I'm in the worst financial spot possible. My advice is if you do get a check and then are told to donate to an orphanage or whatever, dont do it. just let the check invalidate without sending money. 

To USAA, shame on you for not assisting me at all with recovering my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
In accordance with the fair credit reporting act American credit acceptance has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
I've ask XXXX to dispute an account by name of XXXX XXXX. The account is been open past 7 years and also paid. They refused to follow the status of limitations.

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 2022-08-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation