vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 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: DISCOVER BANK
State: FL

Complaint narrative:
My XXXX was in a XXXX in XXXX. He had XXXX XXXX XXXX XXXX XXXX. We have insurance but there were initial problems with coverage and we were to pay out of pocket and seek reimbursement. XXXX plan was to go through his XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested {$500.00} from us to pay for this. All payments are up front in XXXX. They do not work until payment is made. XXXX was set for XXXXXXXX XXXX the next day. Later that night insurance approval came for payment of {$10000.00}. The XXXX than changed their plans and did not due the proceedure for 4 days. Did not perform it properly and did not get the stone. Charged ins co {$3700.00}??? Then waited 3 more days to try again this time getting the stone. And at this point they used up exactly the XXXX of the insurance policy???? They stated, and it was not true, that it was urgent my son than have his XXXX XXXX XXXX XXXX. The charge was {$3700.00} which we paid by {$310.00} through Discover and {$3400.00} XXXX XXXX. The operation was completed but there were problems. After the clinic demanded {$500.00} more as my XXXX was XXXX but they would not allow him to leave until they received this money. It was for a gurantee. Which is not for services made but potential billing issues. I did not voluntarily provide the card. But as my XXXX was being held XXXX I did so. Proper treatment for my son would have been to simply go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out at the XXXX XXXX time the first day of admittence. It would have cost {$500.00} and insurance would have paid {$400.00} of it. Instead my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX. We have filed suit against the XXXX in XXXX, Discover Card is equally liable. The case has already had a hearing where they have determined probable cause. They have demanded a certified copy of all medical records. The XXXX  has denied. A second request has been made. It is a criminal matter not to comply. Medical malpractice is also a criminal as well as civil matter in XXXX. Lots of problems with medical care there. Now we already have a copy of the records from the insurance company which confirm mal practice. The XXXX is aware of this. If they provide the same records there is a problem. If they change them that is a second problem. They are stuck. We have not named Discover on this action as of yet. We are hopeful they will simply honor the charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: FL

Complaint narrative:
I am looking to process disputes on my credit report to delete and remove all inaccurate information that is hindering my credit report. all accounts listed are invalid an not following the FCRA guidelines. I am a victim of identity theft and have no knowledge of the accounts reported. please review an remove all accounts listed to help clear my credit profile asap.

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 2024-07-07 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: NJ

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a cash advance that I paid already that Im still getting interest charges for. I called capital one and they refused to help me, kept repeating the interest rates like a robot. Ive had this card for years and never once asked to have charges removed. They claim that my payments were never fully allocated towards my balance. On my last two balance there is no mention of a balance being carried either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: FL

Complaint narrative:
I have a previous complaint under reference number XXXX that was closed prematurely before a resolution was obtained. 

I have since sought legal counsel and am ready to go to court against MOHELA if they can not comply with placement on a SAVE/REPAYE plan as I am supposed to be and have made several requests for lets just say a very long time. 

Yes, this is a FINAL WARNING to MOHELA that if they do not properly process, with the wealth of information I have continuously provided them, my REPAYE status ; then I will be seeing them in court. 

As detailed previously I have been waiting well over 90 days, and my initial request to be on a repaye plan is well over 1 year old. My information was never processed. Communications were never held nor provided on my status, instead they tried to bill me and even at some points threaten collections on me. 

I have several documented lines of communication that I have attempted with MOHELA that yielded no response. I am attaching in this complaint my documents they requested and my Tax return info to show proof. 

I am tired of this and I am absolutely done. Either use the info provided to grant me the XXXX plan I am eligible for or don't, I will gladly see you in court MOHELA for the abuse and XXXX XXXX that you have thrust upon me. My lawyer is ready... Are yours?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone XXXX my XXXX account and charged my XXXX credit card for XXXX purchases. The items were delivered to the addresses I had on file within my XXXX account. I returned most of items through usps as refused. Chase card services is refusing the dispute and XXXX will not unlock my account or help me at all. I have {$2800.00} in credit card charges that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Hello, I ordered a new physical checkbook from SOFI from my online account. 

I never recevied the physical checkbook in the mail. Then a few weeks later, I saw XXXX forged checks on XX/XX/XXXX in my account. Since my savings is linked to my checking, these checks overdrew my account and then they look all the funds out of my savings. 

Check # XXXX {$1900.00} Check # XXXX {$1900.00} Check # XXXX {$1800.00} Check # XXXX {$1800.00} XXXX : {$7500.00} I called XX/XX/XXXX to start the investigation. I send in XXXX affidavits of forgery. I have emailed and called into SOFI to get this matter resolved. They have not temporarily reimbursed me for the funds and I am closing on a house XX/XX/XXXX and need those funds for my downpayment. 

I have been with SOFI a few years and have never had any issues. Please help me to resolve this and get my money back ASAP. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently pulled my TransUnion credit report on XX/XX/XXXX. I've also noticed account # XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting 30 to 59 days late and reporting in the pay status column as ( Was 30 day past due for XX/XX/XXXX. TransUnion is knowingly reporting inaccurate 30 day past due payment delinquency XX/XX/XXXX in the payment staus column. TransUnion has also exceed the 30 day investigation ( From XX/XX/XXXX to XX/XX/XXXX, they never produced the original contract, nor did they prove any delinquency in the payment History. That I ever had a delinquency for XX/XX/XXXX. This account was paid in full XX/XX/XXXX. According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is INACCURATE. TransUnion did not perform any investigation into this knowing error reporting on my credit profile. ( See Attached Documentations ). According to the reported information in my TransUnion credit report. It clearly shows that I've made 100 % of 19 payments. It also reports that there were know known missed/late payments in the payment History column. It then reports that there were know worst payment status- Current. It also reports know known times XX/XX/XXXX days late - XXXX. So how is it that in the Current Payment Status - It reports XXXX days late. Now According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I ask that XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX be deleted from my TransUnion credit profile.

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 2024-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is my XXXX  complaint to this agency for the account number XXXX. They claimed that I have an obligation to pay them due to a contractual agreement however they have not provided me with any evidence of said contractual agreement, only fictitious billing statements. Additionally, in response to my previous complaints, they claimed that they have given me an initial communication on XX/XX/year>. Please see attached. In order to comply with the procedures stated in the Fair Debt Collection Practices Act, they are required to provide an initial communication with a consumer. I do not recall receiving such communication. So I am now demanding that they provide me with evidence of said communication. Please provide me with the XXXX XXXX number and the green return receipt bearing my signature of said initial communication. They have already failed to accurately verify the alleged account by providing the entire purchase agreement. If they can not provide me with evidence of the initial communication as they claimed, then they are admitting to violating the Fair Debt Collection Practices Act. Furthermore, this would also be a violation of the Fair Credit Reporting Act as they have knowingly and willfully furnished unverifiable information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a notice on XX/XX/year> from JPMorgan Chase Bank which states the following : Update : We're researching the charge ( s ) you disputed recently Your account ending in XXXX Dear XXXX XXXX : Thank you for contacting us about a dispute ( s ) on your credit card account. We're researching it now and will contact you if we need more information.

Here 's what you should know in the meantime Please save all documents and receipts related to the dispute. This could include : Original sales receipt ( s ), credit receipt ( s ), proof of return or cancellation, or A record of correspondence with the merchant acknowledging the billing error.

The documentation you provide us may greatly influence our ability to resolve the dispute in your favor.

You do not have to pay for any disputed amount ( s ) while we research the dispute.

We'll let you know if we make adjustments to your account and when you'll see them on your statement.

If you have questions, please call us anytime at the number on the back of your card.

We appreciate your business.

Sincerely, Card Services If you haven't already done so, you must notify us of potential billing errors in writing at the Customer Service address shown on your billing statement. Please refer to the back of your billing statement for further information on Your Billing Rights, including how the process works. 
CLAIM ID : XXXX My complaint is that this notice does not list out the specific charge ( s ) that are being investigated and that I do not need to pay.

Please inform me of the charge ( s ) that this specific letter refers to.

Please not that I intend on following the instructions in this letter and I intend on not paying them as directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-07 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: EQUIFAX, INC.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for unauthorized and excessive credit inquiries on my credit report. The dealership 's actions have significantly impacted my credit score and violated my consumer rights. 

Incident Details : On XX/XX/XXXX, XXXX XXXX XXXX XXXX conducted multiple unauthorized credit inquiries on my credit report from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite my objections and warnings, the dealership repeated this behavior on XX/XX/XXXX, with additional inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In total, twelve credit inquiries were made within a span of three days. This number of credit inquiries is excessive and abusive to the consumer. 

Violations : Lack of Notification and Consent : I was not notified or warned that my credit would be pulled multiple times to this extent. This lack of transparency is a clear violation of my consumer rights under the Consumer Credit Protection Act ( CCPA ). 
Excessive Credit Checks : The dealership 's actions have resulted in a significant negative impact on my credit score, which is unjustifiable and excessive. 

Actions Taken : We worked with an individual named XXXX, who can be contacted at ( XXXX ) XXXX. XXXX was made immediately aware of the situation when XXXX sent me credit notifications. After being notified, and my feelings made clear, XXXX justified the behavior of the dealership 's financial office and claimed that it would not have a negative impact on my credit report. This all occurred on XX/XX/XXXX. Despite this, the dealership ran my credit a second time on XX/XX/XXXX, twice with the same credit companies in some instances.

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 2024-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Im requesting the CFPB to investigate Resurgent Capital Services and its business practices. 
Regarding Debt Validation Rights Violation by Resurgent Capital Services Introduction I am writing to file a complaint against Resurgent Capital Services XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR 1006.34 ( c ). 
Resurgent Capital Services Violation On XX/XX/year> I sent out a request 12 CFR 1006.34 ( c ) and Resurgent Capital Services has failed to provide me with a written notice for debt validation within the required 30 days as mandated by federal law under 12 CFR 1006.34 ( a ) ( 1 ). I have not received any validation information from Resurgent Capital Services XXXXdespite them attempting to collect a debt from me. 
My Rights Under the FDCPA The FDCPA protects consumers from unfair and deceptive debt collection practices. One of these protections is the right to receive a written notice for debt validation within five days of the first communication from a debt collector. This notice must include : The name of the creditor The amount of the debt A statement of your right to dispute the debt Request for Action I request that the FTC investigate Resurgent Capital Services debt collection practices and take appropriate action to ensure they comply with the FDCPA. This may include requiring Resurgent Capital Services to : Cease all collection efforts until they provide proper debt validation.

Correct any inaccurate information on my credit report.

Be subject to any other penalties the FTC deems necessary. 


Thank you for your time and attention to this matter. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year>, XXXX XXXX XXXX {$3400.00}. Simply put. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the next day. We were to pay cash up front {$500.00} for this. Later insurance company approved a {$10000.00} payment. The XXXX did not happen. It happened XXXX days later. They did not get the stone. Went down a second time XXXX more days later and did get it. They stated he must have a XXXX XXXX XXXX that he did not have to have on the XXXX day. Proper treatment was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he is XXXX, out of XXXX and fine. Instead of a {$500.00} operation it was {$10000.00} in insurance and {$4200.00} in cash. Chase stated to me they needed a XXXX opinion from a XXXX, which we could have given them XXXX at the time. They initially turned down the dispute as they stated they tried to contact me to provide this. They did not. I di not get a message via email. No message through their portal. No telephone call. Now we have started litigation with the clinic. A hearing proving probable cause has already happened and the suit is going forward. The judge has demanded medical records that the XXXX can not provide. And will not. As we have provided the medical records sent to the insurance company that this along with medical professional testimony have established billing fraud, as well as medical malpractice. It is a court order to provide these records. A second request has been made of the court. This time they are enforcing criminal action if they are not in compliance.

Company response to consumer: Closed with explanation