vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
THE COMPANY, PORTFOLIO RECOVERY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). PORTFOLIO RECOVERY has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XX/XX/2021, I received 31 missed calls from the phone number XXXX ( XXXX ) XXXX within a span of two minutes. 

No voicemails left for me to listen to. 

I have not called the credit card company back ( comenity capital bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XXXX of XXXX I was charged {$59.00} for a specific product that was greatly different than what I ordered. I filed a claim with my credit card company ( Bank of America ) who ultimately closed it out in the merchants favor. The merchant stated they would refund my money and haven't done so yet so I told this to Bank of America and they stated to fax in the documents and write my claim number on the fax and they would re-open the claim. I have faxed in my paperwork twice and they have not reopened the claim and I can not get anyone one the phone to actually help me with this situation

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 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
When we went into forbearance we were with XXXX XXXX, now we are out of forbearance as of XX/XX/XXXX and are with Selene Finance. We have talked to them and said that we would like restart payments for house as the same payment previously, with the amount in due from forbearance {$6500.00} deferred to the end of the mortgage payment. This is one of their options listed for coming out of forbearance. We have not been able to start this and they have sent certified letters to the address, not our billing address which are different locations, which talk of foreclosure.They have sent full application for a mortgage to us. We would like to make payment, monthly amount that we paid regulary before, and we have left 4 messages, sent emails,2 times, and called several times over phone trying to do this to no avail. 
They have not honored the choices that they put on web site to come out of forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX & Equifax you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported balance is {$17000.00} but Equifax I reported balance is {$15000.00} also Highest balance that is being reported buy XXXX is {$30000.00} but my Equifax Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: VA

Complaint narrative:
On XX/XX/2021 my XXXX XXXX savings account was hacked. The hacker used the savings account to access my checking account. The hacker performed XXXX transfers to multiple accounts within the same bank. A total of {$9000.00} where removed from my checking account. The bank stopped a XXXX transaction of and additional {$3000.00} that the hacker was trying to remove from my account. I realized this happened on XXXX, when I placed the fraud call to the bank. I was told the bank would start an investigation and that it would take XXXX business days to resolve. on the XXXX days I called the bank and was told that there was no information on my case and that the XXXX department was very backed up and that it can some times take 15 days. On the 15 day of my claim, I called the bank again and was told that there was no updates on my account. and that they would send a message to the fraud department and that someone will call me back with XXXX hrs. No one called. I called the bank again and was told that there was a {$2000.00} credit coming to my account and that the rest of the money would soon follow. I waited a few days and called the bank again. I was told that there was no more updates on my account and that they would have someone called me back with in XXXX hours. 
It has been almost a month, and the bank has failed to return my money or give me any explanations as to what happened or how they got my {$2000.00} back. They lied and said the investigation would take XXXX business days, and then changed it to 15 days because they were behind. The bank also promised to have someone from their security/fraud department would return my call within XXXX. and no one ever called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX XXXX referred my account to a collections agency. I have contacted them multiple times asking for a copy of the contract I signed saying I would repay them for a free phone that was offered to us if we changed providers. I have no record of it and XXXX has been unwilling to provide a copy of the signed contract. This is now the second collections agency involved. The first one stopped after I asked them to validate the debt. They said they were no longer involved and used that as their excuse for not responding. XXXX, as a cell phone provided is not regulated by CFPB but their collections agency is. XXXX, and now RPM, can not provide evidence of a signed contract. They only offer was bill but that does not validate a agreement or contract, only an attempt to collect on that agreement. I have spent hours of wasted time on the phone with XXXX and got hung up on five times this morning in trying to contact RPM. I was going to pay them just to make this go away because of the amount of time and energy I have wasted trying to get the to prove I signed the contract. After the countless lost hours I want this debt eliminated, not just put to a different collection agency.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
A few years ago I was a victim of identity theft which led me to make a feredal report and collect all the evidence of a bank account opened in my name and tax reported to the IRS under my social. At the beginning of 2021 I received a debt from the IRS which I did not recognize and requested an investigation which was to my credit. I have many fraudulent accounts in my credit report, some have already been eliminated but there is one that continues to report negative I have had several disputes and I have communicated with the company but I have not been able to resolve the case. I have sent them the proof of identity theft and even so they have stopped reporting in collection. Since XX/XX/2021 I am trying to solve this problem without satisfactory answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Well Im having a problem with XXXX  XXXX auto reporting inaccurate late payments on my credit report theres a few discrepancies between two different credit bureau and one report Im showing on-time for month of XX/XX/2019 via XXXX but Late for the month of XX/XX/2019 on TRANSUNION..XXXX XXXX is also not reporting months that Ive paid on time as NO DATA it is unlawful under the FCRA to report inaccuracies on an consumer 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 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am reporting fraud and scam that happened to me 5 weeks ago that Chase mistakenly deny my fraudulent claim. 

On XX/XX/XXXX at XXXX, I received a text message stated I sent money to " XXXX XXXX XXXX XXXX. I was confused because I didnt know who is " XXXX '' nor I didnt send the money myself. I immediately logged into my Chase account and {$1900.00} was sent to XXXX. I call Chase fraud department immediately and file a fraud claim around XXXX. The customer services assist me to lock both of my XXXX account and my credit cards. Meanwhile, the specialists told me it would take a month to investigate. 

On XX/XX/XXXX, again, I received a text message stated I sent {$2000.00} to " XXXX ''. I panicked when I received this text message because someone was accessing my account again! Fortunately, since my XXXX account was locked, the transaction to XXXX was unsuccessful. I didnt lost any money. 

2days later on XX/XX/XXXX, same thing happened again. But this time {$1600.00} tried to send to " XXXX ''. And the transaction was rejected as my account was locked. 

I have been very patience while waiting for Chase to handle this issue. I tried to call between XX/XX/XXXX - XX/XX/XXXX as I was trying to get an update from Chase. However, I wasn't able to reach customer services. 

Until today on XX/XX/XXXX, I reached customer support yet told me my fraudulent claim was denied. 

Something wrong in my account and it is a mistake that Chase deny my fraudulent claim. Here 's are the reasons why : 1. The rejected transaction to " XXXX '' and " XXXX '' proves someone was able to access my account. I wouldn't use XXXX to send money if I know my account is locked. ( Please refer to Attachment 1 : Fraud ) 2. I changed all my log in information as chase suggested. I also rebooted my computer. In addition, I also transfer most of my money out to a different bank. 
3. All of these proves Its definitely someone hacked my account to send money to XXXX. I couldnt prevent it because it is their first attempts to steal money from me. But I did my best to report to Chase Fraudulent department when the transaction is still pending. 
4. All of my previous XXXX transaction are less than {$200.00}. When I send money, I have a habit to write a note and description to state what is the money for. But the transaction to " XXXX '', " XXXX '', and " XXXX '' exceeds a thousands dollars and never leave a note to state what is it for. Those transactions are suspicious! ( Please refer to Attachment 2 : Money sent Overview ). 

In conclusion, It is a mistake that Chase deny my {$1900.00} fraudulent claim to XXXX. 

Thank you for your time for reading this. Don't hesitate to let me know if I can provide any additional information. 

Regards, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAP ONE AUTO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This account is already paid. I demand that your agency reinvestigate the reporting on this account This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My husband and I were getting mortgage from Citibank. We filled out application, locked the rate and, according to our mortgage broker Mr. XXXX XXXX, everything was OK. However just one day before closing Mr. XXXX informed us that he can not proceed with the morgage because we have unsufficient income to debt ratio. So, he made us to pay {$17000.00} ( 2.35 % of loan amount ) to buy extra point to reduce interest rate to 2.125 % ( See attached " Morgage Loan Commitment '' ) When closing finally came, Mr. XXXX increased our rate to 2.25 % ( see attached " Closing disclosure '' ) Please look into this matter.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I, XXXX XXXX am submitting this complaint and no third party is involved. 
I XXXX XXXX, have shown proof of identification along with other documents to Equifax. I've spoken to several representatives about updating my correct address and name. They have yet to put the correct information. There are other addresses on my credit report that should be deleted because it is the wrong information and I do not agree. There has been no update to my name neither my address. I have not given direct consent for Equifax to have the wrong address and name on my credit report. Delete the invalid demographic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my Second Complaint with Equifax first ID was XXXX since the first case was Closed by Equifax with the statement they were going to send me a Letter which they did telling me once again to Mail my Personal Info to their po box or FAX. I have been trying for nearly 2 yrs to get Equifax to allow me to access the Account I created with them in XXXX after trying to access the Account I created in XXXX that Equifax no longer recognizes or excepts the username/Pin/Password and they continue to refer me to their Customer Service number that when I can get thru to I'm told to send all my Identification including my SSN/Drivers license to a Fax or po box in XXXX GA which I did in XXXX and again a Month ago and still have never heard anything from them and still needing them to Unlock my online account and stop the Back and Forth between their Customer Service with the same Poor XXXX XXXX Representative asking Sensitive Questions that I can't even begin to understand and their Ridiculous Expectation to MAIL or FAX and as much as I'd like to Protect my Identity I really don't think Equifax should expect People to Trust them or anyone with all that Information on a FAX or po box somewhere in XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
THE COMPANY, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). XXXX XXXX has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NJ

Complaint narrative:
XX/XX/2021 amount of {$890.00} in flight flees that I didnt authorize. The airline said they would reimburse me but PayPal is still trying to get me to pay the balance of something I didnt use. Ive been in an open dispute with PayPal and Im afraid that if this dispute isnt handled then it will affect my credit score

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. EQUIFAX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received as a gift a {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX Black Hawk Network , Inc ). On XX/XX/2021 I visited the company website at redeem.giftcards.com and successfully assign the dollars to the XXXX restaurant. I was to receive an email, which I never received. I looked in my regular email folder and my spam folder but I didnt find the email. 

I tried using the card at XXXX unsuccessfully. I wanted to file a complaint, but I could not find an email address to do so. The phone number of XXXX on the e-card does not provide any information on how to file a complaint. The website, redeem.giftcards.com reports that the dollars were assigned to a restaurant, but it doesnt indicated which one. 

I have no recourse but to file a complaint with government office of Consumer Finance.

Company response to consumer: Closed with monetary relief