vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pavilion Payments US BuyerCo, LLC
State: NH

Complaint narrative:
I got a call on XX/XX/2022 from XXXX from a woman who said she was from a debt collection agency. She told me that my checking account payment was not cleared by XXXX XXXX and that I owe {$32.00}. I asked her who she was and why she was calling me and that my account was perfectly fine. She hung up on me. I called the number right back and spoke to someone else. I asked who this company is and what do they have to do with XXXX XXXX. She said she couldn't disclose that and asked me for my phone number on my account. I don't have an account with this company. Immediatly I felt uncomfortable. I hung up. 

I then called XXXX XXXX  and reported that this happened. They checked my account and everything was cleared and everything was fine on their end. They asked about the debt collection agency and the person I spoke to had no idea who they were. They asked about the phone call and I gave them the number. Now I'm really freaked out. 

I called the number for the " collection agency '' back and asked to speak to their legal team. I asked them where they got my information and I told them I don't have an account with them. They said I do. I asked them to delete that account information. They said I had to do it in writing. I told them again to delete my information and that I will report them to the police. I asked for their address and they refused to give it to me 3 times. Finally, she said she would give me their XXXX XXXX XXXX in XXXX IL. 

They kept asking me for my personal information. I repeatedly said no. When I ask for their personal information they refuse to give it so why should I give them mine? The person I spoke to was XXXX, and she refused to give me her last name, even though she requested mine. I told her I want all information they have on me mailed. I again requested my information be deleted. She refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have two accounts with Comenity Bank. One being the Ultamate Rewards Card and the other being a Visa with XXXX. 

I paid off these cards on XX/XX/XXXX and they are still reflecting as having a balance with all three credit bureaus. After looking closer to the credit reports it looks like the balances and/or payments have not been reported since XXXX of XXXX. I reached out to their customer service lines today ( XXXX XXXX, XXXX @ XXXX ) and was told in both instances that their credit reporting systems have been inactive since XX/XX/XXXX and they do not have an estimated time of repair. 

Isn't it their due diligence to report accurate information? 

I am in the process of buying a home and this will directly affect the rate I will get. I believe I have disputed this already but will check for details as they then reported the balances shown were accurate. This would then be fraud? 

What can I do to fix this problem since I have disputed with no positive outcome?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
I have been trying to work with Loan Care for almost a year in order to find a solution. My ex husband and I recently divorced. He refused to sign any loss mitigation documentation. I was told by XXXX different supervisors at Loan Care I could sign and take the responsibility for the forbearance. 3 times I was sent documents requiring my ex 's signature. I was finally told that I was unable to do the loan modification with out my ex signature. 5 months had since past. I went to my last option which was the XXXX  fund. I gave the XXXX fund everything they needed, except a letter from my mortgage servicer letting them know we were unable to find loss mitigation options. I have asked for months for something to be sent so that the XXXX fund could distribute funds and we could resolve this mess. Loan care argues with me and tells me they can not send me the letter. I will escalate the issue and speak to supervisors who tell me they will send the letters and get nothing. The XXXX  fund has even reached out to try and get the letters and was told the matter would be escalated so we could get them and we are still not receiving them. I just want to resolve this issues so I can move on. I have done everything asked, I have begged and pleaded with Loan care to find a solution. I just need the letter. Thats all! Please help.

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 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was trying to sell a XXXX wallet on XXXX. First time setting up my account. I had a purchaser interested in the wallet but I was not sure of the protocol. The purchaser ( scammer ) sent me account information that they had paid the amount of {$400.00} for which is the amount I was selling the wallet. The scammer sent me a transaction ID and bank details that the money was being held because my account was not set up. That in order for the funds to be released I needed to setup an account with cash to establish insurance for purchasers. I received an email for what I thought was Poshmark stating instructions on how to setup up the account and I would recieve the refund- I was asked to send multiple amounts of Cash through Zelle in order to sell the wallet. XXXX does not have a phone number and only an email to answer any account questions. I thought I was being contacted by XXXX and it really wasn't XXXX they just used their email address and logo. Since it was the only way to communicate with XXXX is via email they do not have a telephone number I thought it was legitime with and I was scammed out of {$1600.00}. Also how I was ignored when I contacted Poshmark multiple times and finally when they responded it was too late funds had been sent The following amounts and dates are listed that I am requesting a refund from either Zelle, XXXX XXXX or XXXX. 

Sent the following Zelle 's XX/XX/22 : {$500.00} XX/XX/22 : {$200.00} XX/XX/22 : XXXX XX/XX/22 : {$100.00} XXXX XXXX XX/XX/22 XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I have a checking and saving account with TD Bank. My checking account number is XXXX. On XX/XX/2022 ; I requested a dispute for the following transaction : XXXX XXXX Collector for the amount of {$320.00}. I was told the dispute might take 5 to 7 business days to refund the funds back to my account. I called TD Bank on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and to find out the status of the dispute. I was told the dispute is not process as of yet. On XX/XX/2022 ; I received a letter from TD Bank in the mail. The letter stated the amount of $ XXXXwas provisionally credited to my checking account XXXX XXXX. However, the funds were not credited back to my checking account. My checking has a negative balance in the amount of {$340.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: PA

Complaint narrative:
i disputed address and phone numbers with Transunion not even 10 seconds in they claimed their investigation was complete no way possible that could happen on XX/XX/2022 i tried to dispute the bankruptcy as well 15 U.S. code 1681 states i have the right to privacy nothing was investigated or researched literally less than 10 seconds the investigation was complete.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
We made a purchase with our TJX rewards card for {$32.00} The purchase did not work out and we return the items the next morning, they said that they had refunded that amount back to the TJX rewards card. So there should be a XXXX balance on the card. 
They sent a bill later with the {$39.00} plus a {$27.00} fees charge for late fee ( {$25.00} ) XXXX min interest fee ( {$2.00} ). 
We reached out to the the credit card to resolve the issue. We spoke with XXXX, company code XXXX. She stated that they didnt see the credit And that they could only file a dispute.She also stated that she was from the collection agency of the bank that works with the TJX rewards card and that she could not look up our transactions. 
She refused to work with us to remove the balance XXXX stated she could only file a dispute. 
If you could please help as they should be able to see both the purchase transaction XXXX the return transaction, this should have been an easy solve.

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 2022-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
My Mother had an account with Comerica Bank, and she has passed. Comerica sent a check for the balance of {$14000.00} to XXXX XXXX, in California. XXXX XXXX notified Comerica that they located me, and that I, as her son, would be handling the matter. When I called the bank, they would not let me speak with a manager, and only referred me to a probate phone number which you can not speak to a rep, or leave a number, but only refers you to their email address. I sent them numerous emails, including the email thread with XXXX XXXX. Only after a lengthy time they responded stating that I should send them the check, and supporting docs, which I did, and that they would reissue a check in my name. I sent it to them that same day ( XX/XX/XXXX ) via certified mail to their XXXX XXXX XXXX My tracking receipt showed it arrived on XX/XX/XXXX. I then emailed asking that they let me know they received it. I got no response until today XX/XX/XXXX stating that I needed to send them the check, and supporting docs., which I had done that previous week. When I called them, again I was told I could not put me through to a person in charge. I asked that they have someone contact me a.s.a.p. concerning the matter, and gave them my number, but again no response. At this point I am at a loss as to what I can do to resolve this, and have some closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone used my info to get a card from Capitol One. Now its a collection on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I sent {$500.00} to XXXX on XXXXXXXX XXXX XXXX  through MoneyGram as follows. 
But the receiver has not received the money yet. 
REFERENCE NO. XXXX ( This number was given by MoneyGram ) Receiver XXXX XXXX XXXX XXXX XXXX USD Receive Amount XXXX XXXX Receive Method Direct to Bank Account Transaction Date XX/XX/2022 Transaction Time XXXXXXXX XXXX Completion Date XX/XX/2022 Completion Time XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 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: I.C. System, Inc.
State: NC

Complaint narrative:
Even after my consumer statement clearly states I will not and do not contract nor consent to any accounts being sold and collection agencies trying to pursue me for an alleged debt. I.C. Systems put a collection on my credit file without my consent for the amount of {$250.00} dollars and has damaged my score and continues to do so.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. 

Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. 

My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.

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 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Bank keeps " suspending '' access to our external bank accounts. This is the case for multiple people in our family who have accounts with Ally Bank. 

The do NOT provide notification of the suspension, and when called, they can not give a reason for the suspensions. 

They are only allowing access to other Ally Bank accounts within a specific login. 

This is causing a serious problem for us specifically, since one of us is POA of an elderly mother 's savings account and funds are used to pay her Assisted Living Expenses. 

The current suspension was discovered when logging in to do a transfer to a checking account which is with another bank. [ No! we will never have a checking account with Ally Bank because of this issue! We can not trust them now. ] To get a resolution requires several days of trying to contact Ally Bank and them doing research before they finally release access to the external accounts again. 

This issue also spills over to access to our funds through XXXX. Ally Bank has several times blocked XXXX payments to people we have paid in the past with no issue, but Ally Bank will not allow the XXXX payments to process. 

When asked, as usual, they can not give a reason why. 

We are beginning to question the solvency of this institution. If that is the issue, then this is very serious.

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 2022-11-04 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: Self Financial Inc.
State: GA

Complaint narrative:
Ive been paying on time with Self Lender since XXXX XXXX with auto draft and Ive just notice today via looking on XXXX that the company hasnt been reporting payments to XXXX, and per the company they report to XXXX, XXXX, and XXXX. My XXXX 2022 payment hand t report either. I contacted Self via chat today and she per CSR they have been notified about this and issue is being investigated by escalation team, but nobody has never reached to inform me. Had Id not check via XXXX  I wouldnt havent know. The purpose of the sign was to help improvement Credit for all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TX

Complaint narrative:
The account was closed after the equipment was returned. XXXX keeps the account open without any services provided and then claim an amount to be paid and tuns it into collection. This way of intimidating customers not to cancel services because of XXXX overpowering forces of illegally misrepresent customers ' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: MD

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. 
XXXX Account # XXXX XXXX XXXX XXXX, & 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 2022-11-04 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: MD

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. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This is a complaint about a debt collection agency contacting me about surprise medical debt. The charges listed against my account were unknown to me all this time and for the charges to be in debt collection now are an issue to me. We are contacting the hospital to discover why we were never contacted about the listed charges by the hospital for years. We are also contacting them for necessary information, proof of benefits and services, and line-item charges for the debt listed against us. We have successfully made all payments for all known charges to us since receiving services at the hospital, so these surprise charges are very odd to us. The charges are from XXXX and XXXX and we have since visited the same hospital and updated their systems for them to approach me successfully about any debt.

Company response to consumer: Closed with explanation