vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made a purchase using XXXX XXXX XXXX ( comennity ) with a promotional rate of 12 months zero interest. I made all of my payments on time for 12 months using the us postal service. Comenity claimed they never received my 12th payment and charged me the deferred interest and late fees based on the missing payment. In my entire life of paying bills with USPS they have never lost any of my payments. I called comennity and asked them to remove the fees and interest based on my payment history. They were very defensive and rude. I cant believe that the payment that was due when my promotion expired was misplaced by usps as it has not been returned to me and every other payment arrives on time. They would not work with me to remove fees and interest or try to find out what happened to my payment. They are taking no responsibility for the missing payment. I believe they lostit to make an extra {$500.00} off a XXXX XXXX. I have no proof of what they did, but that is how they are getting away with stealing from consumers by saying the post office must have lost your payment. I have read other complaints from consumers of comenity taking advantage of people who need to make large purchases on credit. They told me if it was so important to pay my bill on time I should have payed online. I wasnt worried because the usps delivered all of my other payments on time. They dont make money if I pay on time. I believe they are stealing and didnt process my on time payment so they could charge me interest and fees. I wont do business with them anymore but they shouldnt be allowed to steal from consumers who pay their bills on time. Also, the statement they just sent in the mail with the interest and late fees arrived two days before the due date. Are they not required to send statements with enough time for the consumer to send payment? These practices seem very unethical and dishonest to me. I hope my complaint can help other people to avoid being robbed by XXXX XXXX/ commenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Summit Horizon Financial Services
State: FL

Complaint narrative:
Today Monday XX/XX/2021 a company called Summit Horizon Financial Services contacted me about a Student Loan Forgiveness program who can lower my loan payments to reduce the balance. They accessed my studentaid.gov account and had my total balance amount, last four numbers of my social, and the name of my loan servicer. This all seemed legitimate until they began to ask for my credit card number and requested an electronic signature on a service agreement for the monthly payments. Everything happened as I was trying to search online if this was legitimate or a scam. Only after the call was complete I realized this was a scam and they had charged {$700.00} to my XXXX XXXX Master Card. I then called XXXX XXXX to report the transaction as a scam/fraudulent charge which they will investigate and temporarily credit. Then I contacted Studenaid.com who also confirmed this company was a scam and not affiliated with them, I then changed my password for my Studenaid.com account. They suggested I contact my loan servicer who have noted this scam on my account. They then suggested I contact CFPB who then suggested I contact the Dept. of Education. Although all companies have been made aware of this scam my concern now this Illegitimate company has a service agreement I electronically signed and may use it against me to receive the payment of {$700.00} I have blocked. I hope that is not the case and they do not receive any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 45 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have been a member of experian credit monitoring services for quite some time now. I noticed many inquiries on my credit that I did not recognize. I reached out to the companies that pulled my credit and told me that I had to go through the credit bureau. I contacted Experian 's fraud department many times letting them what happened and they have denied my requests multiple times to remove unauthorized information from my credit report. I would like assistance with this matter as the unauthorized/incorrect data on my credit report is preventing me from achieving my financial goals. 

Thank you.

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 2021-07-19 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report from XXXX XXXX on or around XX/XX/2019. I did not give XXXX XXXX permission to pull my credit.

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I XXXX XXXX entered a XXXX XXXX transaction on or about XXXX XXXX with XXXX. I not know who Credit Management L.P, I have never done any business with this company. I sent Credit Management L.P. a letter of debt validation that has never been answered and a Notice to Cease and Desist communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: TN

Complaint narrative:
I signed up for a new XXXX XXXX XXXX  membership with discover card. Didn't get {$45.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Hi, l am a customer of Coinbase. l always seem to have a problem accessing my money to transfer it to another bitcoin wallet address. For instance, when l had {$1100.00} deposit in my account, the system/payment gateway would tell me l do not have enough money for the {$1000.00} transfer. l would have to wait and try and try again to transfer the {$1000.00}. When it finally allow me to transfer the {$1000.00} it only allowed {$960.00}. l would like the Consumer Financial Protection Bureau to have Coinbase change their payment gateway to one that allow for immediate access to the money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I reviewed my credit report from XXXX XXXX and XXXX and seen PORTFOLIO RECOVERY ASSOCIATES listed as a debt collector for XXXX XXXX Bank. 
I called and explained that this is not my account and the address listed was never a used address and this was fraud. I asked them to send me a copy of the signed XXXX XXXX credit card contract with my signature and they told me no. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Title365 Holding Co.
State: OH

Complaint narrative:
On or about XX/XX/2021 I received a letter from XXXX XXXXXXXX stating my mortgage was increasing from {$1000.00} to approximately {$1200.00} due to my escrow have a XXXX negative a balance. I contacted Mr. XXXX, a manager at XXXX XXXXXXXX confirmed that the was accurate. I then contacted the XXXX County, OH Treasurers Office and they informed me that my real estate tax was not paid this past XXXX when I refinanced my home but was paid this past XXXX. The treasurers office did inform me that my property tax had increased this year which I was already aware of. 

I then contacted Title365 who also sent me a check for {$2200.00} back in XXXX or XXXX of 2021. I spoke with XXXX and he told me that " I should not have received that money because it is a VA loan, and it came out of my old escrow account. '' SO, I asked him who was at fault, he said, it was our fault. " ( Title 365 ). Thus, leaving me with a negative balance and to make up that balance, I would have to either make a payment of {$2300.00} to immediately get my escrow in the black or pay an extra {$210.00} plus my mortgage for the next 12 months. This action has put a strain on my finances. 

On Monday, XX/XX/2021 I spoke with XXXX XXXX the funding manager for Title365 and apprised him of the situation. I explained to him that I should not be penalized for their mistake. He told me, " since you received a check from us that should have raised a red flag. '' So, in essence he is putting the blame on me for his company 's mistake. Additionally, he offered to pay the fees and penalties for the late real estate filing which he did not give me an amount. I told him I do not know real estate laws and over 75 pages to look over during signing, anyone who is not in the business can miss something. If this was a reputable company, they should make it right. Finally, if they are willing to pay for the fees and penalties, then they can pay the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
On XX/XX/2021, I received communication from a debt collection agency requesting payment from an unpaid debt to XXXX 's XXXX XXXX XXXX XXXX in the amount of XXXX ( XXXX + service charges XXXX XXXX. The amount is to be sent to TRS Recovery Services XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX. 
Reference # XXXX There is a GA XXXX XXXX XXXX, XXXX, GA XXXX, and inquiries telephone numbers, XXXX, XXXX listed as well. 
I do not owe this debt. My last payment of XXXX was made to the credit card that XXXX 's promotes in XX/XX/2021. XXXX 's has no record of this debt and the credit card company shows a zero balance. 
As you will note that my address is not correct in the letter and this club does not allow products to leave the store without payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-07-19 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2020 I used Chase Banks online payment service to make an electronic payment from my checking account to XXXX XXXXXXXX XXXX for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by XXXX XXXX XXXX that the payment was never received. After filing a dispute with Chase, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to XXXX XXXX XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX ). Chase has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. After filing a complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau, I was told that another investigation was conducted and no payment was received. They urged me to work with Chase to have the payment reversed. I have attached a copy of Chases Proof of Payment sheet and two letters from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I had a car loan with XXXX. XXXX was closed when I sold the vehicle to a dealership on XX/XX/XXXX. XXXX has reported XX/XX/XXXX payment as late to all credit agencies. Per attached documents, the vehicle was sold before XX/XX/XXXX payment was late. When vehicle was sold I got a 30 day payoff amount. This was no longer my vehicle at the time the XXXX payment was late. 

I DEMAND THAT ALL PAYMENTS ARE CORRECTED AND REPORTED AS CURRENT TO ALL CREDIT AGENCIES.

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