vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GB Collects, LLC
State: NJ

Complaint narrative:
I received a notice for a debt owed to a health insurance company that I have not used in several years. The insurance company has not contacted me, and I have never missed a payment to them. I requested verification of the debt in writing ( via certified mail ) and it was ignored. The company continues to send me letters about collecting on the debt. I sent my response within 30 days and more than 30 days have elapsed since they received it. They are asserting in their letters that I have " simply chosen to ignore '' them, which is not true, and I have evidence : the USPS tracking number is XXXX and I have provided a screenshot of the publicly accessible tracking page below. Furthermore, they have my first and last name reversed, which is another reason to be suspicious about the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Was in the process of acquiring an itemized bill from XXXX XXXX when the debt was transferred to Debt Collection Agency ( XXXX XXXX credit management company ), attempts were made on several occasions to contact the collection agency to inform them that the debt was being disputed but no contact was possible. Since this time debt collection has sent robocall at a minimum once weekly for over one year with no option to contact a human through the call ( an automated message simply gives a number to call with no option to be transferred to a representative ). Upon calling the referenced number youre met with lengthy wait times and frequent crashing of the system. Several attempts have been made to resolve this issue but have not been able to reach representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to let you know that the customer service provided for Capital One Venture card holders has been absolutely unacceptable. The main reason many of us opened this card was for the travel benefits and ability to transfer the points externally to airline partners. I met all of the qualifications to receive the sign up bonus, but when I went to transfer the points I was told I am unable to do so because I recently purchased a new phone. Even though my phone number is exactly the same as it was before, the company has been unable to verify my phone number during the 2FA process. This makes the points completely useless, as travel award flights are in high demand and do not stay available for long. They also have no timeline of when they will be able to verify my account. 

This experience with customer service has been extremely frustrating, and it is shocking that there is no other way for customers to verify their accounts other than a phone number. I offered to verify over phone, email, provide identification documents such as my passport, etc, but they said they can not do anything. It is even more shocking that not a single person in the company can transfer the points on my behalf. Please let me know if there is anyone else this can be escalated to as this has been one of the worst customer service experiences I have ever had with a credit card company. 

The date I received the new phone was XXXX. I called customer service on XX/XX/15 which was the date I was trying to transfer the points. I was transferred to a dozen different customer service agents, all of whom were completely unhelpful and had no idea what to do and said that there was nothing they could do to help me gain access to my account. It is fraudulent behavior to lock consumers out of key features of their accounts for unspecified periods of time without advance notice, especially when those key features are advertised as the main reasons to apply for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo business account They said my physical address from years ago was a Pak mail. I closed that years ago and updated my addresses. 
They sent a letter on XXXX XXXX stating I must go into my branch which I did. It was corrected in computer on XXXX XXXX before cut off date XXXX XXXX. 
I woke up today and my account was closed. I have over XXXX in business checks that are worthless now. I have to change all of my business automatic withdrawals. 
On the website it states I chose to close my AC and that is false 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 2023-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently checked my credit report and noticed that Capital One is listed on it. However, I never applied for a Capital One credit card. This is a clear case of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on Experian, XXXX both have my birthdate as XXXX  which is my father who is deceased. 
Also XXXX XXXX is reporting negative account and can not provide me with an original signed agreement, I believe to possibly be my fathers

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has not removed the fraudulent account XXXX XXXX # XXXX I have no knowledge of this account and I asked Transunion to verify the original address we're this debt started from and send me signature forms from when this account was first opened... I have not received this and this account has been deleted from all other credit bureau as they have done their job!! Transunion is not following the laws and they are breaking the rules!! I demand that this item get off my 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 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have tried many times to set up my mortgage on autopay. Penfed does not allow it anywhere on the website despite recommending 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 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They are reporting a collections account from XXXX XXXX XXXX  in the amount of {$690.00}. This is not my account and is the result of identity theft. This fraud account needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
SPRING OAKS CAPITAL I did not enter into any type of agreement nor sign. Any paperwork contract with this company I requested to have this account removed from my credit report because it is in accurate. And I am not liable for this with XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I contacted the company because I keep seeing them negatively affecting my credit score. After speaking to two representatives they both told me that I need to contact the credit bureau to get this resolved since there is no account under my full name, phone number or social on their records.

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 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
After purchasing the home on XX/XX/2023, we applied for a Recast in XXXX to take the down payment from 05 % to 20 %. The PMI insurance was removed in XXXX however, the principal balance has not been recalculated to lower our mortgage payment. In XXXX the credit bureau informed us that that we have a past-due balance of over 30 days. This is false, as we have made all mortgage payments in full on time each month. Our credit scores have since dropped from mid 800s to 600s because of this report. We have repeatedly tried to contact BSI FINANCIAL, our lender to communicate the concerns but we have not received any escalation or plan to resolve. The recast is over 90 days past deadline. We need help getting this close out and our credit scores corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I submitted my application to the SAVE program through Nelnet in the beginning of XX/XX/2023. I then heard nothing. 
On XX/XX/2023 I received an email request requesting more financial records in order to approve my request, I responded by email on XX/XX/2023 with all the requested documentation. 
Since then my application has still been processing and my student loans are accruing interest. 
I have requested updates on my SAVE application several times the only update I get is that my application is still processing. 
It has been 4 months. When I have tried to call the wait is so long I can not get through to anyone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account on my TRANSUNION REPORT ... XXXX XXXX XXXX XXXX XXXXXXXX ( account number ) address XXXX XXXX XXXX, XXXX, De XXXX XXXX THIS ACCOUNT WAS OPEN FRADULENT!! I never owned this account... Transunion has not provided the information about this account to prove anything being accurate ... all the other credit bureau has deleted this fraudulent account!! I sent in my FTC Reports!! The address that first open this fraud account is not my address and is not on my account or credit report!! I demand this item be deleted or I am going to sue Transunion!!

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On Saturday XX/XX/XXXX I received a text message for my cash reward card ending in XXXX for a purchase of {$1900.00} at XXXX XXXX XXXX XXXX that was declined and asked if I authorized this activity which I immediately answered no and the card was canceled BOA sent out a replacement card, I had a family emergency that day when I got home and couldn't find either of my BOA card I freaked out and checked on my mobile app where I found the same charge with same merchant same dollar amount went through on my other BOA travel reward card ending in XXXX, I immediately called BOA over the phone and reported the unauthorized activity, explained that both cards were not in my possession along with the cardholder I kept them in, the agent filed the claim and replaced my travel reward card. It is ridiculous how the {$1900.00} triggered the alarm the first time but went through right after with another card, if I received the fraud alarm for this {$1900.00} charge on my travel reward card, this charge would never make it through! More ridiculous, on XX/XX/XXXX I received a letter from BOA saying they were unable to refund me because the merchant provided documentation that confirmed I received the merchandise & services. How is this even possible? I don't even know what this {$1900.00} have bought, how can I receive something purchased with a card that was not even in my possession that I have no clue what those were? It is unlawful for the consumer to be liable for unauthorized purchase, I have been a faithful client of BOA since XXXX, but if this is how BOA protects it clients, it leaves me no choice but take my banking elsewhere and take necessary legal actions to protect myself.

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 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XX/XX/XXXX or so, I Open the acount at Citibank. upon opening the account. I deposited a {$150.00} from my XXXX XXXX account into the city priority account. I had did as well as setup direct deposit with XXXX XXXX XXXX which i recieve my XXXX XXXX XXXX benefits from my work. I have never even used my debit card. The reason I opened an account with Citi was because I've had my identity stolen twice this year and they had sign on benefits. I had my XXXX check depositwd around XX/XX/XXXX and Immediately my Account was locked and they called it a fraud alert, i called numerous times and every time it was always redirected to the fraud department, not given much information but telling me i had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse. They went into tell me now my account would be closed within 30-60 days and I MAY rwcieve my money back via Check in the mail. No one could help me. I've called multiole times, seems as i may get some help and they look me up ans then they say the same thing and habg up on me with no explanation. Ive tried every reference online. Sent emails. Left complaints to each agency and nothing. 
I did file a complaint with them directly and got this number XXXX. 
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Idaho XXXX. My phone number is XXXX. 
I am a XXXX XXXX XXXX with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too. How can this be legal?? How can they do this?

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 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
They are reporting a fraud collection account on my credit report in the amount of {$170.00}. This is not my account and it needs to be removed from my credit report immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Subject : Formal Complaint Against Discover Bank for Fraudulent and Malicious Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank concerning their egregious and malicious credit reporting practices, which have had a severe impact on my financial standing and well-being. 

The details of my complaint are as follows : In the midst of the COVID-19 pandemic, I made a purchase of facial masks on XXXX totaling over {$500.00} using my Discover credit card. Subsequently, I returned the product, but the seller refused to issue a refund. 

Despite my attempts to resolve the matter, the dispute case was not ruled in my favor, and I incurred a charge of {$500.00} on my Discover credit card in XX/XX/XXXX. 

In response to this charge, I refused to pay the {$500.00} and, as a result, Discover Bank added a {$300.00} fee to the balance. Ultimately, Discover closed my account in early XXXX. 

Discover marked my account as charged off, and in XXXX, it reported the charged-off amount as income to the IRS. This has had significant consequences on my financial standing. 

Although my account was closed and charged off, Discover has continued to report it as an active account, and more astonishingly, it has sent me a letter dated XX/XX/XXXX, claiming to respond to my inquiries. The letter falsely states that Discover must continue to report my account to credit bureaus as it is a disputed account. 

This statement is factually incorrect, as the dispute was resolved in XXXX, and the account was closed. Moreover, the balance on the account was reported as income, providing no valid reason for Discover to continue reporting my account as late payment. 

The ongoing reporting by Discover is not only false but also malicious and constitutes fraudulent credit reporting practices. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting by Discover Bank. This misinformation is damaging to my credit score and overall financial well-being. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including copies of correspondence with Discover Bank and evidence of the erroneous credit reporting. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue promptly. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
CKS Prime Investments appeared on credit report. When I contacted them concerning this debt I requested who they were, who they were representation, if they owned the debt and did they have a signature with bills of sale if they did, they ignored me. They contiunue to report on my credit report and I can not get them off.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
They are reporting a fraud collection account on my credit report in the amount of {$2900.00}. This is not my account and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has been pass 30 days without notifying me about my dispute

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