vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: Regional Management Corporation
State: WI

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on XXXX is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise will you please remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I need my Zelle to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on Zelle and unenroll both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please look at the screenshots of the issue I am facing with XXXX XXXX Zelle enrollment etc and if yall cant enroll them or unblock it or restrict it please tell me what bank have blocked it or restrict it etc?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have had a mortgage payment since XX/XX/XXXX yet my credit reports show since XXXX my first loan was in XXXX or XXXX of XXXX ; XXXX 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 2024-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX by comenity bank charged me {$2.00} after my bill was paid in full and on time the month prior. Not only that, they charged me an additional {$4.00}. So now they want {$6.00} from me when my bill should show a XXXX balance. Never before have I experienced this with another company/ bank. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I ordered a cashier 's check from my bank. Capital One on Riday XX/XX/XXXX. On Monday XXXX XXXX, I received an email from Capital One that my account was restricted due to suspicious activity. The email was received at XXXX ; XXXX XXXX  Central time. I called them at XXXX XXXX  central time. The representative I spoke to informed me that the suspicious activity was my ordering of the cashier 's check. I informed that that I did indeed order the check. They then told me that they had stopped payment on the check already- before even speaking to me. Based on this information, I was forced to make my property tax ( which the certified check was intended for ) payment using a credit card and incurring a {$71.00} service fee. 

I then tried to determine when I would have the funds from the cancelled certified check back in my account including the {$20.00} service charge for sending the check. The customer service rep told me the funds would be back in my account by XXXX XXXX XXXX XXXX. 

I check my account this morning XXXX XXXX and then funds had not been restored. Subsequently I called Capital One again. I was disconnected twice before finally getting someone on the phone who I asked not to put me on hold. She informed me that it appeared the certified check had not been stopped but was still valid. Which basically meant I would be double paying {$3300.00}. 

Fortunately I was able to reach the recipient of the check, XXXX XXXX, Treasurer for XXXX PA and they agreed to send the check back to Capital One. 


I requested from Capital One that since the check should now be stopped and the check was being returned that the funds should be placed back in my account immediately. I was informed by the customer service rep that it would still probably take several business day but since the check was being returned I would not have to complete an affidavit. 

Unfortunately the customer service rep I spoke with did not have the authority to fix this and she said the people who could fix this were not available for me to speak with. 

Subsequently I received an email requesting the I complete an affidavit for a lost, destroyed, or stolen cashier 's check none of which apply to my situation. The affidavit als said that I would indemnify and hold Capital One harmless which I am not willing to do since this whole situation arose from their mistakes. 

The case # for this is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A vehicle was never returned after several late payments and was eventually written/charged off. The credit union did not provide a 1099-C for this and is still reporting the balance to the credit bureaus.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: PA

Complaint narrative:
Today XX/XX/year> I received a card in the mail that I did not sign up for. The company is netspend.com. It is a XXXX  debit card. I called Netspend and asked why I received it and was told it was a promotion and to throw it away. I probed the agent further and asked why I received the card, and the agent asked for the card number. They then told me the card was active. When I asked to close the account immediately and that I never opened it, the said they would. When I asked for proof in writing or via email they said they can't do that.

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: CO

Complaint narrative:
Credit report says i owe a debt to a credit service company and i have no knowledge of this account. I am disputing it as a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I was issued a refund from PayPal on XX/XX/XXXX, which was completed early on the XXXX, however this could not be possible because the XXXX XXXX XXXXXXXX account that the money was sent to was closed in late XXXX. I have been going back and forth with PayPal and XXXX support, but to no avail, as PayPal will not help me to locate my funds even though the bank automatically rejected the money and it was immediately sent back to PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I paid for a membership and never received the onboarding email for me to sign up on they've taken my money off my card and didn't provide me with a onboarding email and the refused to send another one to my email so I could sign up for the membership. They have my money off my card already

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: DE

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX there was a fraudulent purchase on my PayPal credit. I disputed the charge with the credit card company but I found out today XX/XX/year> they filed it incorrectly as an item not received dispute, not a fraudulent charge dispute. They have tracking information they did not give me and as per the customer service rep does not come up as valid when the item is attempted to be located. They are refusing to adjust the charge even though I did not order or receive anything.

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 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Novation Inheritance LLC
State: CA

Complaint narrative:
I applied for an probate advance with the company name PROBATE CASH with a man named XXXX over the phone on XX/XX/year> it was a Friday. I sent him my ID, SSN, along with application and he said he would get back to me the following Monday to let me know if they could advance me XXXX. I said I would take less just enough to pay my rent. I have not been able to reach him or anyone on the phone since I gave him my SSN and the estate info. I've left voice messages and called numerous times even texted the his direct number and not a peep. I requested a followup call, email or text to let me know the status of my application. No response. Ive searched for this business on XXXX  and no results could be found for non accredited or accredited. It's odd especially since I stressed the money was to avoid eviction. I'm concerned my personal information is at risk of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Nelnet, Inc.
State: TN

Complaint narrative:
All of my loans were supposed to be discharged due to the Borrowers Defense for XXXX XXXX. I have only attended one school - XXXX XXXX. Well, all of my loans were discharged except one - a Direct Consolidation Loan. I called Federal Student Aid/Department of Education to ask why that loan was not paid and was told to call the Borrower Defense number , which I did. When I called them and they sent me to Nelnet, the current servicer - who did not do the consolidation. XXXX did the consolidation, but they are now defunct. Nelnet told me to call the Borrower 's Defense number, which I did. And, they directed me back to Federal Student Aid, who then told me that my loan had not been discharged because it is a Direct Consolidation loan without a school name or because the loans were already discharged and there was an error associating the consolidated loan with the previously discharged loans. So, my consolidated loan has not been discharged. I need my school 's name put on the consolidated loan so it can be discharged, or I need Nelnet to recognize that my individual loans that have been discharged are part of the consolidated loan.

I just finished speaking with a representative from the Borrower 's Defense Department today - XX/XX/2024, who advised me to add a note to my claim. She stated that all of my loans were supposed to be discharged ; however, the {$28000.00} Direct Subsidized Consolidated Loan is still in Administrative/Borrower Defense Forbearance . The representative mentioned that this loan should also be discharged and suggested there was a mistake either during the transfer from XXXX to Nelnet or after it was transferred to Nelnet. She could not determine exactly where or when the error occurred. She also recommended filing a complaint here. My total loan amount was {$83.00}, XXXX, but the {$28000.00} loan remains active with no explanation. Neither Student Loan Aid nor the Borrower Defense Department can see any details about my loan due to the error and government litigation. I would like the remaining {$28000.00} Direct Consolidated Loan to be discharged or an explanation as to why it was not discharged, especially since I have only attended one school, XXXX, and all my other loans from XXXX have been discharged. I feel like my loan was discharged but then the {$28000.00} was re-added to my loan which makes no sense. Asking me to pay the {$28.00}, XXXX when it was supposed to be discharged feels like fraud. I have an additional document that shows that my loan was discharged, and I even have a letter from Nelnet stating that I should get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} TU

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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SinglePoint GI
State: PA

Complaint narrative:
General Revenue Corporation has been provided my with a collection notice that is not mine and that they are unauthorized to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have an account with Citi Costco for over a decade however, my biggest complaint is the customer service and the lack of security, anyone can call in and have your account cancelled without showing prove of who they are as this bank hires weak, incompetent people that don't even speak English, all their customer service is routed overseas. If you try to get anything done as simple as activating your card, they will mess up and block your account, so you have no access. My complaint stays and I will not remove it because I am telling the facts. I had my account closed which I am an authorized user on it and recently had someone call and get it cancelled without any evidence or security check or verification at all from customer service showing how weak and easy it is to breach and mess with someone. I am owed rewards points at least {$600.00} which I won't receive, these people are unethical, sloppy and have no accountability at all. There are millions of one-star negative reviews for Citi Bank and all of their products including their credit posted online along with all the scam and frauds associated with them. Additionally, another problem I had with them is their random decrease in spending limit without warning or reason despite ruining your credit, additionally they already ruined my credit history by shutting down my account so easily due to one malicious call from an unauthorized user and now are trying to lie through their teeth about it. I am not receiving a credit score from XXXX due to this mistake as it now unscoreable and the quick and appalling and abrupt closure of my credit 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The account I'm referring to is account number XXXX in the amount of {$2500.00} opened XX/XX/year>. Regarding a debt that your agency Lockhart Morris and Montgomery is attempting to collect. I am requesting clarification on several points related to this debt and the actions being taken on my credit report. The first point is the Purchasing Agreement from Original Creditor. Please provide a copy of the original purchase agreement or assignment agreement between your agency and the original creditor. I request proof that the debt in question is legal and valid. Point 2, I have noticed that your agency has conducted a soft inquiry on my credit report. I request a detailed explanation for why this inquiry was made. 
Point 3, I want proof you have a signed agreement or contract with Lockhart Morris and Montgomery and alleged debt owner,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the XXXX party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on XXXX  is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was leaked in a data breach of over XXXX XXXX people and for the past few years someone has been using my information in XXXX creating open accounts and debts that I didnt accumulate and according to 15 USC 1681 these go against my rights and I would like them to be removed. Ive been living in XXXX and have not lived in XXXX.

Company response to consumer: Closed with non-monetary relief