vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I'm a victim of identity theft. I have called and sent certified letters to Clarity Services ( a part of experian ) to obtain PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) Clarity Services all the documents that they required to process a permanent opt-out of prescreened promotions, including copy of my FTC identity theft report, XXXX Police report XXXX copy of my NM driver 's license, copy of my social security card. I have received a letter confirming XXXX extended fraud alert and security freeze. However, I asked for PERMANENT Opt-out of pre-screened promotions and this has NOT been accomplished by Clarity Services ( a part of experian ). I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. 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 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal is intentionally, knowledgeably and willfully obstructing justice by submitting false statements to CFPB or I need help from CFPB with additional questions to stop that power abuse that Paypal is doing constantly not allowing to move money to the bank of my choice. Paypal welcome to add money in to use my money for their benefit as I found along with XXXX XXXX for free one sided without benefit to me, but do not allow me to transfer my money to the bank of my choice. I was not even allowed to move my money to XXXX Bank that affiliated with Paypal. I opened an account with XXXX Bank. I already got a XXXX XXXX card and was able to link it with my Paypal account. But when I tried to add my checking XXXX Bank account to my Paypal account Paypal resist to allow it. Paypal did not allow me to log into my XXXX Bank account to connect instantly, and I tried to connect my XXXX account manually and provided the routing number and checking account number and nevertheless Paypal did not allow it anyway even I already linked the XXXX Bank debit card. I did try it not just one time after I opened new account with XXXX Bank. 
I attempted to do the same from XXXX account. From XXXX Bank account I was prompted to sign into my Paypal account to link instantly. The message stated that it was successfully linked, and it showed the total balance amount on my Paypal account. But, it did not allow me to transfer money from Paypal to XXXX. It stated that it will take some moments for Paypal to appear on my XXXX account and it never did. I did the same thing XXXX more different times and the same thing happened. The confirmation of success initially appeared every time, but Paypal continues blocking link to my XXXX Bank account preventing me to move my money out of Paypal. 
I tried again to do the same on my Paypal account. Paypal did not allow the instant linkage. So manually I provided XXXX Bank routing number and account number and Paypal did not allow XXXX Bank to be linked to my Paypal. XXXX Bank is not the first bank that Paypal continues blocking from my Paypal account. How I can end Paypal 's criminal abusive behavior? Paypal management keep everything in the dark and delete from my account our conversations in writing and refuse to provide a transcript of messages. here is no chat available on my account. Paypal lies that messages kept for records for 90 days, when in reality it is not available for access as soon after it disappear from the screen. Paypal does not allow me to put any issue in Resolution center. Paypal does not allow me to operate with my money. Paypal is blocking my money from my actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: CO

Complaint narrative:
Good evening im reaching out to you in regards to two debt letters that were sent to me from ARSTRAT reference # XXXX and # XXXX both times were i was driven to the hospital without my consent. Ive had XXXX for a little over a year which are minor and I know what to do when I have them as i always have my medication on me. As a full time medical student I cant afford to go into the ER and both times I have written to them stating I can pay about XXXX out of my part time job I have right now. It was very very much appreciated that they were able to send me back letters stating I only owe XXXX for each one but I don't have that type of money. I haven't had a XXXX since XXXX of XXXX which was a major accident and I've been going to XXXX XXXX for it since and staying on top of everyway to get better. At that time i wasnt getting any income because of covid, One of those in XX/XX/XXXX I was taken in because I had had a XXXX in my bathroom and my neighbor freaked out because she heard me grunting in the bathroom and called 911 and they again took me even though I let them know I was ok and refused to go but I obviously didnt let her know what was going on as I felt it wasn't anyone 's business to know i had previously had a XXXX. In the ER they didnt do anything beside wait for my dad to pick me up. I rejected going in because I knew I was ok. Im unable to pay {$1000.00} for both hopsital bills. the highest I can do with my income is XXXX for both. I was hoping we can settle it with paying that for both. I look forward to hearing from you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
One Main please provide me with correct validation of this account XXXX. I have attached a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
its a corporate account that is reporting on my personal credit and Im a victim of identity theft. the account is still under investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CT

Complaint narrative:
In late XXXX I applied for a mortgage ( acct- XXXX ) forbearance due to Covid related health issues. I was granted reprieve and 3 months of mortgage payments are moved to the end of my loan. This essentially waived XXXX, XXXX, and XXXX. However, the escrow Aunt was not sort of that adjustment I was granted 5 years to balance out escrow. I was then scheduled to restart paying XX/XX/2022. I was not able to pay that month until XXXX. In which Case, I called in spoke with a collections representative and paid XXXX and XXXX together a total of {$2600.00}. This amount is not in dispute. I was told this would catch me up. I will then be able to resume normal payments. Therefore, in XXXX I tried to pay through app and could not so I called back in. I was then told that the issue was confusion around the escrow Carry over until I catch that Portion up it will look like Im behind. They then took the payment over the phone. I call in today to make my payment. I was on the phone for over an hour and still was not able to make payment. I was put from customer service to collections to loss mitigation, then ultimately told to leave a message for escalations. XXXX In single point of contact thinks there XXXX XXXX payment was misapplied so the payments Im packing are not posting to account. However, the frustrating part is I dont want to have to go through this each month. I feel it interferes with my account access and it increases the chance of getting a 30 day late. Such as today, Im attempting to make payment on the last day of month which is with in my right. But because of their internal issues they refused to collect although Im not behind they said talk to escalations and Im the meantime theyll send me a payment recap. We reviewed my payment from bank account with no discrepancy but still they refused. An error like this could cause s false foreclose. 
Customer service- XXXX. XXXX- single point of contact in loss mitigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX made disbursements from my checking account that were not authorized. Returned 2 but would not give back the first one they said it was more than 60 days after. I have been trying to get them to handle this earlier than the 60 days. They told me they could not give me a tracking number as requested by citi and they to date have not given me any information as to where the XXXX went. They refused to give me any concrete information as to why they did disbursements and they stilll have not returned all they money back to my account.

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
It is my bad fortune to have accounts with some companies that only offer Comenity as the servicer of their credit cards. However, after several months of poor servicing, I am convinced that Comenity purposely tries to make paying your credit card bills so difficult that you end up paying extra interest or service fees. 
With 2 companies, in particular, XXXX and XXXX, you can ONLY take advantage of the better loyalty programs if you carry their store cards. However : 1 ) for a period of 6-8 weeks ( XXXX to XXXX of 2022 ) you could not even see your balance as their system was not working 2 ) Their online payment portal consistently goes through the motions of accepting your payment but then provides a message that they are unable to complete the payment and directs you to customer service 3 ) the automated customer service goes through the motions of taking your payment ( which takes about 5 minutes! ) & then provides a message it can not be processed and you must speak to a customer service agent & be charged {$9.00} 4 ) after holding for long periods, the agents take your information, make you hold, and hang up with no action taken. 

Today, I had to make that call 3 times. 45 minutes later, I'm still unable to make my credit card payment with no explanation. Each time, after 10-25 minutes for each of the 3 calls, the rep would pick me up from hold and hang up on me. I called and asked to speak with a supervisor and was promptly hung up on. 

On those few times when I have been able to speak with an agent, they tell me this happens to everyone. Can you imagine the extra interest & fees Comenity is collecting with such widespread abuse? One month of issues I wouldn't be so suspicious, but at 4 months, I have to think it is nefarious. 

I feel strongly that this is a scam. The Comenity is intentionally making it so hard to pay your bill ( and I pay mine off monthly ), that you have no choice but to carry a balance, accrue interest, and pay unnecessary service fees. 

While this has been happening to me, I just reviewed their XXXX page, and WOW! The issue is so widespread, that they have to be making a fortune off of consumers just trying to pay their bills. This company needs some government oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was erroneously enrolled into Account XXXX by Express Credit Card. On XX/XX/XXXX I was billed {$24.00}. And again billed {$24.00} on XX/XX/XXXX. I emailed customer service who stated that the charge was added to my account in error. They would cancel me from the program ( Account XXXX ) and would refund the fee. 

Earlier this week I noticed that I have been cancelled from the program ( Account XXXX ) but was billed again ( on XX/XX/XXXX ). I emailed customer service again which did not resolve the matter. I am thankful that they have cancelled me from a program that I never enrolled into but I would also like for them to refund my account the fees that were billed to me for those services that I never provided authorization for. 

Your assistance in getting this matter resolved is most appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Several months ago I opened a checking account with Citizens Bank based on a promotion in which I was to have direct deposits of a certain amount and would receive a cash bonus. I did receive the bonus. More recently I received an unsolicited email from Citizens Bank encouraging me to open a savings account. The headline and illustration showed three monthly deposits of at least {$25.00} would give me a bonus of {$25.00}. I received the promotional email on or about XX/XX/2022 and immediately opened the account and had a direct deposit of {$25.00} and set up a program wherein two additional deposits would be sent on the same day of the month to fulfill the requirement. Indeed I made three ( 3 ) monthly deposits of {$25.00} each for a total of {$75.00}. Citizens refused to grant me the {$25.00} bonus because I was apparently supposed to wait until XX/XX/2022 to make the deposits. 

Offer states it begins on XX/XX/2022. I did as requested and deserve the {$25.00}. 

Citizens personnel cut me off when I called, argued with me after I called back and gave me no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2022, A judge ruled a judgment in my favor because Consumer Portfolio Services , Inc failed to produce documents to state their claim that I caused them a loss and owe them money. 

In XXXX, I mailed a letter asking fo them to remove the account from my profile with the credit reporting agencies. They have not replied. I demanding that this account be removed as Consumer Portfolio is not able to produce documents confirming my liability. 

This account being reported has held me back from acting as a consumer, and obtaining employment in addition to emotional distress and anxiety trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXX ( XXXX XXXXXXXX ) -Account # XXXXXXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 it also states a consumer reporting agency cannon furnish an account without my written instructions.

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 2022-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX -Account # XXXX ( XXXX XXXX XXXX XXXXAccount # XXXX ( XXXX XXXX ) -Account # XXXX XXXX XXXX XXXX XXXX Orignial Creditor : XXXX XXXX -Account # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX ( XXXX ) -Account # XXXX ( XXXX XXXX ) has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 it also states a consumer reporting agency cannon furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP
State: SC

Complaint narrative:
Republic finance please validate this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington is currently my mortgage servicer and owns my loan. 
( Note : my husband died in XXXX, and his probate is currently active, the administrator failed to perform any duties assigned such as managing the estate and paying debts an i believe she is the cause of default. ) The admin. took possession and changed all locks etc. In XXXX. I paid till XXXX. 
The loan now is in default I submitted an application for a va loss mitigation to Carrington with a stay from forclosure until XXXX XXXX. During this mitigation carrington sent me letter stating the sold my loan to XXXX a sevicing comp. that provide legal services usually pertaing to Estates. Now, the admin is suing me for receivership and her probate attorney was just substistituted with a lawyer from XXXX!! I am in loss mitigation! How is this not FRAUD!! Please forward a copy to all other departments this complaint covers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
To Whom It May Concern : From my reading of the Fair Debt Collections Practices Act, I have the right to dispute the validity of any alleged debt, and Professional Credit Management used abusive practices. According to the Fair Debt Collections Practices Act [ 15 U.S.C. 1692 ] Section 802. Congressional findings and declarations of purpose ( a ) Abusive Practice. The company Professional Credit Management has conducted the following act : 809 Validation of debts ( d ) Legal pleading A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). Before receiving a certified letter of a filing made on behalf of Professional Credit Management, I did not receive any correspondence is mail or phone regarding the alleged debt listed in said filing. 

I have made numerous attempts via phone ( phone records available ) to show that I called Professional Credit Management to address the matter immediately after receiving the certified letter ( first tactic of communication ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation