vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding and XXXX XXXX XXXX has violated Arkansas Code 4-59-101 ( 2 ) in their attempt to collect an alleged debt and continues to violate the Fair Debt Collection Practices Act by reporting this alleged debt to the consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid off an unsecured loan of {$3200.00} in full on XX/XX/24. My confirmation number is XXXX. The same day I disputed the account on XXXX XXXX and directly with the credit bureaus to ensure the status was updated and changed with the new account information. On XX/XX/24, the status is still the same and nothings changed. The account still shows up as open, active, and behind on payments when in reality the account should state and show paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
basically my account was on hold for XXXX years no one emailed me back I was finally able to login and see you guys still took money out for a maintenance fee on an account i couldnt use and I never got the funds back or a new card ordered or anything Ive included screenshots showing i emailed back and appropriate time to call and also showing the fees

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings
State: GA

Complaint narrative:
My letters were not sent in error I am a consumer, and they are false and not 100 percent accurate accounts and information on my credit report, and this is also unauthorized use of my credit report a result pf identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
My loan was forgiven under the Public Service Loan Forgiveness Program last fall but Mohela continues to report false information about my account balance to the credit reporting agencies. This negatively affects my credit and multiple attempts to have it remedied through Mohela have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a XXXX  complaint with the company XXXX XXXX  regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity so why is XXXX reporting a date last active as of XXXX, while Equifax reports a date last active as of XXXX? Both are untrue, and inaccurate! This account is to be removed from my credit report due to FCRA violations. The correct information is below. I will be keeping record of our correspondence for court records. Also, I have proof from XXXX XXXX  that the information being reported is inaccurate. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Current Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was checking my personal email account that is used primarily for online shopping, and I noticed emails from XXXX XXXX Notifications regarding an online purchase for pickup in a store in XXXX, IL. 

The first email was sent on XX/XX/XXXX regarding order # XXXX. The order was an online order for a curbside pickup of a XXXX XXXX. The email said that the order was waiting to be fulfilled. 

The second email was received on XX/XX/XXXX, and it said the order was ready to be picked up. 

I logged into my Chase Visa account immediately and noticed two charges from XXXX XXXX in my pending transactions. One in the amount of {$540.00} ( for the XXXX XXXX ) and a second for {$410.00}. 

I called Chase Visa immediately to inform them that both charges from XXXX XXXX were fraudulent. 

I then called XXXX XXXX corporate to inform them that these charges were fraudulent. The XXXX was picked up, but the second order was for an XXXX, and XXXX XXXX was able to cancel this order because I called. 

The {$410.00} charge was removed from my pending charges by the next time I logged into my Chase account. The {$540.00} charge took several days to be removed. 

On XX/XX/XXXX, the charge for {$540.00} was added back to my Chase Visa transactions. When I called Chase, they told me it was because XXXX XXXX said that I made the charge, because my Name, Address, and phone number was used. They said that they would send this case back to the fraud department, and some would get back to me within 5 days. 

I also called XXXX XXXX to complain. They acknowledged that I had called them about the XXXX fraudulent purchases on XX/XX/XXXX. They also acknowledged that they were able to cancel the second purchase because I called on XX/XX/XXXX. 

I make frequent online purchases at XXXX XXXX, and my name, address, phone and credit card information is stored on the XXXX XXXX website. 

This purchase is fraudulent, and I believe it is an inside job at XXXX XXXX, because all of my information is saved on their website. Additionally, any other time I have made an online purchase for curbside pickup, XXXX XXXX has sent confirmation communications via text message. 

I called Chase again on XX/XX/XXXX, and they are now saying that it will take 16 days for the fraud department to get back to me. 

I am scared that I will be stuck paying for a fraudulent purchase. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX 5/3 bank erroneously reported a line of credit that I had paid off over 10 years ago as 1-month delinquent to all credit bureau agencies. Called on XX/XX/XXXX to inform 5/3 bank of the issue. They said it would take 15 working days to resolve. I called back on XX/XX/XXXX and was informed that the dispute was denied because I did not provide proof despite 5/3 not requesting proof initially. Requested to speak to a manager to emphasize the importance - I've never missed a payment in my life and my credit score dropped by almost XXXX points because of the error. She provided # to fax the credit report showing the delinquent report ; faxed on XX/XX/XXXX reports requested. Called back on XX/XX/XXXX, 5/3 could not confirm receipt of the faxed report. Faxed another one on XX/XX/XXXX. Called back on XX/XX/XXXX, associate now said she can not confirm receipt and I have to wait another 15 working days. Meanwhile, my credit still remains in subprime and I can not apply for a new mortgage refinance because of the poor report. There is an urgency to rectify the issue and 5/3 bank does not care and does not share my concern for their erroneous report. I am helpless and at their mercy and they are nonchalant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/23, I was approved for an American Express business blue cash credit card after I applied to a 18 month 0 % interest rate balance transfer. The program was promoted online as a 0 % interest credit card for 18 months and marketed as a card to transfer a balance & have 18 month of XXXX  interest. 

On XX/XX/23, Amex sends me a payment request with interest attached to my balance. I called and told them that I applied to the promotion for 0 % interest on balance and purchases. They assured me that its not going to be applied and will be reversed. They thanked me for my service. 

As of recently, I downloaded the app and saw my bank statements in more detail and see the interest was never removed, and I none of the promotional offers were applied to my credit card. 

I did not benefit from any of the promotional offers advertised. In XXXX, they said my card was not approve for the 0 % promotion & my interest rate is at 29 %. This is drastically higher than what was promoted and I didnt not receive any mail that I was at this predatory rate. I wouldve never signed up for this credit card if I knew it was at 25 % APR. 

Since XXXX, they have charged me in total thousands of dollars for interest, an average of {$400.00} per month worth of interest. I asked for them to remove the interest and Ill pay of my balance in full. 

Im requesting that CFCB investigate this case and enforce AMEX to honor the promotion I applied for to reverse my interest charges.

They currently are marketing the promotion for this card online at 0 % interest for 12-15 months. This ad is misleading and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank made changes to their systems sometime around XX/XX/XXXX and I was not able to use the pay by phone system without speaking live with a customer service agent. In XXXX the agent took my information and processed it incorrectly resulting in a late fee. Webster refunded the fee and at that time I asked if they could tell me why I could no longer use the automated system. They informed me that I would need to go to a bank location and re verify my husband and my identity. We did that in late XXXX and tried to pay the XXXX mortgage by phone but it did not work. I reverted to using my banks online bill pay for XX/XX/XXXX, however, Webster bank does not accept EFT payments so it took almost XXXX weeks for my check to post. I accepted that late fee but planned better in XX/XX/XXXX sending the payment earlier. However, the check didnt post until XXXX after the date a late fee would be assessed and so now I have another late fee. After calling the bank to speak with a manager and summarize whats been happening and asking for the fee to be waived, the representative took my name and said a manager would contact me. A week later no call back from the bank and now Ill have to pay another fee because the bank has an antiquated payment process and made changes that have impacted my ability to pay on time. Using their customer service representatives is not acceptable and often results in errors. Im now reverting to mailing in my own check, which I have not had to order in years, to see if that will fix this issue. I appreciate any assistance from the CFPB to review the payment process of Webster bank as I believe its a tactic to ensure they receive late fee payments from their customers and this is not fair. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted significant documentation to show inaccurate/complete information on my credit report. I have provided each account to point out the inaccuracies and they still remain on all 3 credit reports with inaccurate information. This is my seventh attempt to have accounts reporting falsely to be removed from my credit report. I have AGAIN attached my documentation along with FCRA 611 15 U.S.C 1681I.

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 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: GA

Complaint narrative:
Someone enrolled in XXXX XXXX XXXX in my name without my permission. On XX/XX/2022 this person took out XXXX financial aid loans through Mohela in my name. XXXX for {$3500.00} and XXXX  for {$6100.00}. I contacted Mohela and notified them it wasn't me. I asked them what I should do. They had me contact the school, file a police report, send a few signatures, send XXXX forms of ID, and my current adress lease. I complied with them and a few months later I got a letter from them. The letter said that they thought I was the person that took out the loan. I've lived in north Georgia for almost XXXX  years. I didn't take out the loan, and would like for them to see that it wasn't me who took them out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
My wages were garnished by Midland Credit Management. Each time my employer forwarded a payment to MCM they reported a lesser amount of payment to the credit bureaus. When I inquired about it they said they deducted from the payment for interest, although they constantly added interest to my balance several times while I was being garnished. ( Reporting a false amount is wrong regardless of the reason ). When I called MCM I asked if I had any other accounts with them. The representative informed me that there were three other accounts. I asked her for the balance. She said the balance is XXXX on all three accounts and they were closed. I asked for the previous balance and she said she could not see that amount because the balance is now XXXX. I asked for the name of the original creditor and she informed me they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, all three of my credit reports still showed a balance for three accounts after three weeks. I phoned MCM again and inquired if I had any outstanding accounts with them. I didn't mention my previous conversation with their representative. The second representative said the exact thing the first representative said. The three accounts were closed and the balance is XXXX. I asked if they would update that information to the credit bureaus. I waited a couple of weeks and the information remained the same. I disputed the information to all three credit bureaus. The three accounts on XXXX stayed and the balance increased and then decreased by the same amount. The three accounts were removed from XXXX. After some time they returned to my XXXX report. The balance increase and then decrease by the same amount. The same with XXXX. They continue to remove one or more account, report it back, increase the balance, and decrease the balance to all three credit bureaus. Each time they perform an action they are negatively effecting my credit score. I am trying to get back on my feet after a tragedy that set me back financially. MCM is making it hard for me to do that with their illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I was approved for the credit card. I never received the credit card. Then I got bills for the card. I told them I hadnt had the card or used it even activated it. I was told they would investigate and I never heard anything sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Once I was made aware of the identity theft I tried to log in to my TransUnion account. It kept saying it was sending me an email to verify. However, I never received an email. The online chat people refused to fix it. I have called many times just to be placed on hold and hung up on before I could even talk to anyone! I know through my XXXX law account that many things are not correct on my report and more things are being added daily. They refuse to help me get into my account so I can dispute these items and see what else is on it. Let alone to put a freeze on my credit. No matter how many times in the last few weeks I have tried to get into my account and get my credit report I am unable to and they just flat-out refuse to do their job. I have informed them that I have Identity theft issues and they still refuse to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This debt was reassign to a Third party debt collector who is currently trying to attempt a debt that they werent the original creditor of. Also these two companies have committed identity theft because they are sending and receiving my information without my consent, or me knowing which is illegal. My rights are being violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit 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: Chime Financial Inc
State: NV

Complaint narrative:
I was charged from a merchant I have never done business with unaware of merchant. Reported this transaction to chime back on XXXX was told they would have the outlook of the dispute to provide to me by XXXX I have contacted Chime regarding this matter since they failed to have a update of the transaction on XXXX Chime is failing to provide me with a refund and does not want to provide any information about who made this attempt on my credit card are when I would receive my funds back in my account regarding this dispute for fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: TX

Complaint narrative:
I paid this account in full. it has still been reported on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
Prior to XXXX Navient was my student loan server. During XXXX I received a letter stating with no longer be my servicer, due to federal lawsuit from the U.S dept edu. I have been under the income driven program for the last 4 years. Now I receive notification from Aidvantage - Department of Education Loan Servicing saying I have missed payments and interest which Ive never heard from these people. My first correspondence from Aidvantage - Department of Education Loan Servicing was XXXX XXXX.

Company response to consumer: Closed with explanation