vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In checking my credit cards accounts ( which i do regularly ) i noticed a charge on my Barclay card account ending in XXXX for XXXX  on XX/XX/XXXX. I have not used my card in over six months. When i went to check where I keep my credit cards in my desk i could not locate the card. I should also add that i hired a professional moving company in XX/XX/XXXX when I moved residences and it is possible someone from the moving company could have taken the card from my desk.Since i couldn't find a number to call to report the card lost/stolen I checked the online transaction and it said I needed to fill out a written dispute and send it to their address in Delaware. I did so immediately. 

Today I received ( 2 ) different computer generated letters from Barclays. One letter said they can not assist me and to call the number on the back of my card to speak with an associate ( I don't have the card ). The second letter said they were beginning an investigation. I don't know which letter to believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I canceled my Experian Credit membership on XX/XX/XXXX and still are being charged {$24.00} each month. I have tried to call experian and they told me I don't have account and it is not possible for me to be charged for this service. But every month I have to call XXXX card and dispute the charges. The charges have been removed from up to XX/XX/XXXX. I sent a letter to experian on XX/XX/XXXX, in regards to these charges. Included with letter was a copy of the cancelation of my membership. Experian asked for me to send them proof that the charges were being charged to my credit card. I have also received out to XXXX card, XXXX and XXXX I called XXXX requesting to put a freeze on this account so no charges could be made. However the charges are still being put on my account. In XXXX I called XXXX again and their suggestion was to close that card and reissue me another card and I was assured at that time, that would fix the issue. But once again the charges from experian were on processed on XX/XX/XXXX. When I called XXXX card they said I would have to contact experian. I have tried several times today and got someone and was disconnected after a few minutes. Tried several more times and can only reach a recording and then it hangs up on me. Please help with this issue.

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 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMERCE BANK
State: TX

Complaint narrative:
This is more of a general complaint towards commerce bank. 

Commerce bank engages in shady practices by not allowing users to enroll in auto pay electronically like 99.9 % of banks that do auto loans. 

When logging into commerce bank with your username and password, you can not make a payment with out entering your loan number. Your loan number is not disclosed in the online account or provided by their " secure message system ''. They will force you to make a phone call to customer service to retrieve your loan number. 

There are no payment reminders or anything by email, with the lack of electronic auto pay enrollment they are hoping you go past their 5 day grace so they can bill late fees. 

Even with ACH they charge you a {$5.00} payment processing fee to pay by checking account routing and account number which is not disclosed by the dealership to the customer when signing for the loan. 

All in all I've had maybe 60 auto loans in the past 10 years and commerce bank is the only institution I've found to engage in shady business practices to make paying your bill hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: FL

Complaint narrative:
National Enterprise Systems has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.

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 2021-06-10 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: TX

Complaint narrative:
My wallet was stolen & I called to let TransUnion that after that someone has been trying to open accounts in my name, They told me even though it may be fraud there was nothing they could do. I told them that was not right & I have sent the paperwork they requested with no outcome. Please help me get these inquiries off my report because I did not do them.

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 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/XXXX XXXX

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 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
I was alerted that my credit score decreased. I looked up the information at XXXX  and called Commonwealth Financial Systems on XX/XX/XXXX. They refused to verify the debt and said they had sent me a statement when they absolutely had not. As they refused to verify the debt, I asked for their license number and was then transferred to a manager who also refused to give me the license number to collect in Virginia and also refused to verify the debt. IOn XX/XX/XXXX, I sent out a certified letter requesting verification and have not had a response. Additionally, I have disputed the information with all 3 credit bureaus. In the meantime, Commonwealth Financial Systems flags my credit every single week, which I believe to be a retaliatory measure. Further, I have tried to contact the original debtor, XXXX XXXX of Virginia, and the company has no contact information other than an address ... no phone number, email, or webpage. As CFS refuses to verify the debt, I have no date of service, doctor, or any other way to confirm this debt on my own. I have no knowledge of this account and I don't recognize XXXX XXXX as ever being involved with my care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: LA

Complaint narrative:
XX/XX/2021 I received my consumer report in the mail from Equifax stating the account XXXX was deleted. Days later I got on the phone with Equifax XX/XX/2021 to make sure this account was not on my consumer report and the representative stated that the account was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. Since they stated they investigated it and it is accurate, I'm asking who did they interview pursuant 15 usc 1681a ( e )? They did not interview my family and associates pursuant 15 usc 1681a ( e ). I've also let Equifax know that no factual information can be on a consumer report pursuant 15 usc 1681c. Equifax continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Equifax to delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: LEXISNEXIS
State: MS

Complaint narrative:
I submitted a complaint requesting lexis nexis to provide me with the method of verification they responded they needed proof of my identity. Lexis nexis is stalling on validating their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have an FHA mortgage with Freedom Mortgage Corporation that was temporarily on a Covid-19 forbearance. XX/XX/2021, I called Freedom Mortgage and indicated that I wanted to remove the loan from forbearance and resume payments via an owner occupied modification. Additionally, in XX/XX/2021, I resumed my regular monthly mortgage payments and of note, I have been making my regular monthly mortgage payments, every single month since XX/XX/2021. During this XXXX call, to end my forbearance, I was told that I would receive a loan modification packet within 30 days from underwriting with new terms of my mortgage and my signature would be required to accept this offer. Unfortunately, 4 months later, I never received this packet, and my mortgage is still in forbearance and no one at Freedom Mortgage has been able to help me move my mortgage into a current status after 4 months of waiting for loan modification documents. I call weekly and I do not get any clear information and it quite frustrating and concerning to me. There so many disparities in the knowledge levels in the customer service reps and Freedom has these escalation supervisor and their ability to triage and follow-up on escalated issues is sub-par. My property is held in a land trust and I have sent in the required Land Trust Review and a certified copy of my trust agreement to show that I am the only vested owner on my deed. Can your organization please intervene, regulate, or help enforce a level of fairness and diligence in business operations and efficiencies at Freedom with this situation? This forbearance being reported on my credit report 4 months later after I indicated I am able to pay my mortgage is totally unethical and just irresponsible and there is no one accountable within the entire company to even help me. Overall, Freedom Mortgage has been a very difficult company to work with in general. I can not recommend this company at all.

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 2021-06-10 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: Chime Financial Inc
State: CA

Complaint narrative:
I reported fraud on my chime account on XX/XX/21. my cell phone was stolen and they hacked into my phone, taking over my email accounts and getting into my chime.com app. they then proceeded to change the because email to their own email so I could not log in and transferred themselves XXXX XXXX to themselves through the XXXX XXXX feature in the app. I have been in dispute with them ever since but have gotten refused twice. I included the police report I filed with the fraud and theft report and was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian asking them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Please Review court notes here- XXXX XXXX XXXX XXXX=XXXX  XXXX XXXX XXXX XXXX   I was notified of this debt sometime last year or the year before. I have been continually disputing it as I have no reccolection of the debt what so ever. I tried to contact the company LVNV funding numerous times via email - and I have the documentation to prove it via email. They claim that I owe money for a credit card debt to XXXX XXXX XXXX. XXXX XXXX XXXX  is still sending me mailings all the the time to accept their credit card offers. I have asked them to stop over and over again. 

They took me to court our first hearing was XX/XX/2021 - where the judge had let them know that they needed to send me paperwork. I have called and left several messages and emailed their office - with no response. 

Today we had court again - they have not proven the debt and had failed to send me any documentation in the last 30 days - I requested to the judge that it be dismissed and he said " that is not going to happen today '' - I am not sure why this is not in the court notes. 

Under the Fair Debt Collection Practices Act ( FDCPA ) - a collector only has 30 days to send paperwork - if they fail to do so then they can not collect any futher. 

Today the judge gave them 30 more days. After I requested it to be dismissed, which are against my rights. 


This is the information to the law office trying to collect the debt for LVNV funding. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA, XXXX, MN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
This alarm company that I signed a contract with was XXXX and XXXX was never a company I was in contract with The home was sold I called multiple times provided all the documentation to the original creditor they asked me to sign a new contract for my new home and told them I wasn't interested because getting ahold of them took an act of God. Attached above is the address of the property on XXXX XXXX that had the alarm system installed in it that again was broken multiple window magnets not communicating with the front panel making the system useless. 



I couldn't get anybody out to repair the current system that was inoperable for at least six months they told me if I could get the new buyer to sign a contract for this system I wouldn't be liable. 



I told him the home was sold and that the alarm services were no longer needed. 

plus during the process of the company monitronics you couldn't reach anybody no matter how many times you called. 

If you went on their website the XXXX number would just re-route you. 

I tried filing complaints sending through emails never got a response. 



I've made multiple service calls because there were multiple windows sensors broken no one ever returned my call/ They must have went about went out of business and sold the contract to XXXX which I never had a contract with to begin with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I was checking my credit report and realized they have a debt as a collection with their company that was paid off back in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I opened a checking account with XXXX on the XXXX of XXXX ( over three weeks ago ) motivated by a cash bonus for opening the account and completing some additional requirements. I have deposited over XXXX into the account. This institution does not have physical branches. I have zero access to my money or account through their app or website. I have not had access virtually since I opened the account. I know my user name and password with 100 % certainty. When I enter them it does not tell me they are incorrect. It says I can't login right now and to call customer support or something vague like that. Even so, I tried to reset the password multiple times. When I enter my information to reset the password it tells me there is not a user with that info. They have admitted fault in this issue. They told me that a batch of user accounts were accidently deleted. It has been weeks. Every time I call ( at least 3 times ) they tell me they are working on it. Then a week goes by and nothing happens. I have no access to the XXXX and they can not fix it.

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 2021-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 My daughter was victim of fraud. I was not aware of it because even though it says the account features parental controls did not happened. My daughter shared her login info with a friend and the bank did no make me aware of. Then a check for {$1200.00} were deposited on her account. As the parent never received any notification from the bank. Then my daughter XXXX XXXX {$500.00} from the account and I was not aware of any of these transaction. My daughter 's account was overdrawn yesterday and finally the bank had emailed me on the XX/XX/XXXX, stating the account is overdrawn. This morning my daughter rather came to me and told me what happened " On XX/XX/2021, I received a message from one of my acquaintances from school on XXXX  saying that she needed someone's bank account to put in money and then for that person to XXXX XXXX it back. I assumed it was someone from school because I've had them for a while added and I knew it was them. I agreed and then they gave me their phone number and then they told me to I've them my account info so they could deposit the check. They wanted to make sure that the money worked so they asked me to XXXX XXXX  those XXXX dollars. I did that and then told them to XXXX XXXX it back but they just said I'll have that money back when the money comes through on Monday. It did come through. When the money came through allegedly, they pressured and insisted that I should XXXX XXXX them XXXX dollars in different payments. I did it because I wasn't about to steal someone's money because that's not who I am. Nonetheless, they received and I thought everything was fine. Until the next day when I see my balance is XXXX, I started freaking out and kept asking them why that happened. They told me that that money will bounce back and I believed them because I didn't know better. I finally realized what was going on after this number blocked me. " As the parent and cosigner in the account. I called immediately the bank. I was in disbelieve that with all parental controls this kind of fraud was done to my family. Because the XXXX XXXX  are not optimized in Capital One. I did not received a notification of the transfers my daughter was doing out of her account. I mean this is a XXXX  year old account that had under {$100.00} for her allowance and because the app and the XXXX account lacks a better parental control my family and I had to paid this criminals {$500.00} and bank stated to me that there was nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I attended XXXX XXXX that has since closes in XXXX VA and was told that they would soon have the accreditation that would transfer by the time I graduated. I am a veteran and had my entire tuition paid for except for a total of XXXX that I paid back in full. Years after graduation, I was told that a loan for the exact same amount on the same days was taken out for a campus in Florida. I contacted the Florida campus and talked to the XXXX who assured me that I have never been enrolled on campus or online. I have filed a Borrower 's document for protection.

Company response to consumer: Closed with explanation