vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
On XX/XX/22 at XXXX EST, I received a call from ( XXXX ) XXXX while at work, which was a number I did not recognize. I answered the phone, and there was a woman who asked my name, and I confirmed it. Then she gave me the last XXXX of my XXXX and asked me to confirm it. At that point in the call I did not verify and asked who she was/where she was calling from. She would not answer the question until I asked for the XXXX or XXXX time, and then she finally told me she was calling from Portfolio Recovery. Since I was at work I disconnected the call, as I was familiar with them and was surprised they were calling, as I had asked them to stop calling before and even changed my number. They tend to call from a different number every time they call. At XXXX the same night, I called them back at the number they called me on and told them I would like to make a plan to pay the debt within the next few weeks but they need to stop with the XXXX  phone calls, giving them the example of not identifying themselves when they are asked to. The woman on the phone, who sounded like the same woman from earlier, proceeded to tell me that that is her job and this is what they are asked to do in their job, and that the phone calls will continue unless I commit to a payment plan today. I did not commit to a payment plan at that time because I did not want to validate the harassment tactics. That is why I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/21 I paid {$500.00} for a XXXX XXXX XXXX. After attempting to activate the card, I was informed that Netspend refused to allow activation of my XXXX XXXX XXXX and a refund would be issued in the form of a check that would arrive in 7-10 business days. 

The check never arrived. I filed a CFPB complaint and was contacted by XXXX in the corporate office. I was told the initial check was sent to the wrong adress. He stated that a new check would be issued. A new check never arrived. 

I was later on contacted by XXXX from the corporate office. XXXX offered the option to do a XXXX pickup for {$500.00}. I was provided reference number XXXX. I attempted to pick up the funds the same day at XXXX and XXXX. Both XXXX agents informed me the XXXX transfer was configured incorrectly and unavailable for pickup. I contacted XXXX and asked her to fix the transfer so I could pick it up. She informed me that she did not know how. So, I asked that the transfer be cancelled and a check be sent. She stated that she did so. 

The check has never arrived. I have contacted XXXX over a dozen times subsequently inquiring as to the status of my check and she never answers the phone nor reply to voicemails and on the rare occasion that she does, she does not seem interested in resolving my situation and making sure I have a check in hand. 

I still have not received a refund for {$500.00}. I contacted XXXX today and they once again verified that my transfer from Netspend was cancelled. The same status is shown on the website with the reference number provided. Netspend responded to my initial CFPB complaint with false information. They stated my XXXX was picked up. That is false as noted above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for the XXXX  over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discriminated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, Transunion, XXXX, and related companies XXXX XXXX XXXX XXXX to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX XXXX XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021, I sent a dispute to XXXX, XXXX, and Transunion. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022, Transunion decreased my XXXX credit score by XXXX points although there are no collections or delinquency on my credit report and my current debt decreased. I had several issues and talked to Transunion about this matter several times and the problem still exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am currently a Chase account number with a college account through my fathers account at some .6 months ago a fraudulent purchase was made on his account they did not notify us of this fraudulent purchase instead they told us six months later that we all need to do accounts we were all worried because we have direct deposit payments which are the Deposited once every two weeks they told us that the accounts would remain open for 10 days the accounts have have remained open from XXXX until now XX/XX/XXXX and response we have all continue to make payments as we previously have with our debit cards chase which has not allowed these payments to go through due to the fact that the debit card was attached to the old Account we have all been into the branch now at least five times and we have still not resulted in having these accounts which have no money in them closed in response multiple companies have not been able to be paid and are now are telling us that we owe them money that obviously we had tried to pay.

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

Complaint narrative:
his is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. Here 's what the original complaint stated. 

The consumer filed a Balance transfer online with XXXX cards. The amount was for {$7700.00} to be transferred to the consumer 's Citizens Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had two accounts and that one was closed. Citizens then sent back the funds to XXXX through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXXXXXX XXXX. The consumer has a copy of this check from Citizens. XXXX says they never cashed it but Citizens Bank says they did. Almost one year later and the consumer can't get it fixed. XXXX has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had 30 days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside 15 days of the completing of your reconsideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: 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: NY

Complaint narrative:
I made a reservation for a hotel room in XX/XX/2021 on XXXX. Once I got to the hotel room, I realized the room was completely different from the images the merchant posted on XXXX There was stains all over the sheets, walls, and towels. There was grease on the furniture and the room had clearly not been cleaned. I went to the front desk and I addressed the issue, I was given another room that was equally dirty. I went to the front desk to ask for a refund and leave. The front desk person insulted me and told me to leave even though I hadn't gotten a refund. I called XXXX from the lobby, while I was on the phone with them, they tried to reach out to the hotel several times but the front desk person knowing that they would call decided not to answer. XXXX opened an investigation and I asked Bank of America to get my money back. Bank of America asked me at several occasions to submit via fax ( the only way you can submit documents ) images from the stains in the room, along with receipts of the hotel I ended up spending the night at and the phone records showing I contacted XXXX After receiving my documents, they closed the claim in favor of the merchant because the merchant claimed I spent the night there which is not true, I gave Bank of America proof that I did not stay there. I have been going back and forth with Bank of America who is giving me the run around at this point. I have tried to call XXXX  days this week and they keep giving me different phone numbers for different departments to call but they are not closing the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: FL

Complaint narrative:
on XXXX XXXX i recived a phone call by a debt collector in regards of a collection that i never have no information about this accounts they are claiming .i do not have any attention on paying this company not a pennies am refusing to pay them.they have herassed me by calling me phone none stop repeatedly.they have violated my rights under fdcpa see15 U.S. Code 1692d - Harassment or abuseA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except i will not pay this company, if they try to contact contact me again i will file a civil law sue..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WV

Complaint narrative:
Our mortgage was sold from XXXX to Loan Care sometime late last year. On XX/XX/XXXX we received modification paperwork from Loan Care. Loan Care received the paperwork on XX/XX/XXXX and it was signed and notarized by their people on XX/XX/XXXX. Somewhere along the way ( not sure when ), the loan was sold to XXXX XXXXXXXX XXXX and we were told the modification paperwork would be sent to them by Loan Care. We have received bills from XXXX  XXXX XXXX and have paid the payments. On XX/XX/XXXX, XXXX  XXXX XXXX sent us paperwork saying our modification was denied because they didn't get our paperwork. I emailed the paperwork to XXXX XXXXXXXX XXXX but they said we have to start all over and go further into debt ( we started out owing {$2000.00} and now we are over {$5000.00} and counting ). When we called Loan Care, they said that it wasn't their fault they didn't send the paperwork over and that we'll " just have to start over ''. Absolutely ridiculous and a total scam of our 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 2022-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint against procollect Incorporated collection agency that is reporting false information on my credit report and I have a paid in full letter from them and they say that I still owe them money and this was supposed to be removed off my credit report and its been pass seven yrs an they still have this on my credit report and keep updating, like I still owe them. This was supposed to have been removed and they keep calling me harassing me about payment. I have to hem to stop calling me I have a proof of letter from them and It was XXXX XXXX  XXXX  who hired this company to collect a debt the letter states I have XXXX debt with them but they still putting false information on my credit report and pulling my credit score down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone opened XXXX different accounts in my name when i never opened them. Someone used my ss # and personal information to open these accounts. The name of the bank is TD Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened an account with Synchrony Bank in early XXXX. My original credit limit was for {$2000.00}. I have paid have paid over {$2000.00} since XX/XX/2020 and still owe {$1800.00}. Synchrony Bank failed to disclose their XXXX, monthly interest rates, and other fees.

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