vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I have took out a loan with Affirm INC on XX/XX/XXXX in the amount of {$600.00}. Affirm INC sold my account to XXXX XXXX with the balance of {$590.00}. I settled the account in full to XXXX XXXX on XX/XX/XXXX in the amount of {$350.00} via debit payment online. I have disputed the inaccurate reporting and settled in full information twice on XX/XX/XXXX. I have received the dispute results on XX/XX/XXXX with no changes being made to the reporting on XXXX. Affirm is currently reporting the account with an unpaid balance as of XX/XX/XXXX after disputing with the updated information of the XXXX  being settled in full with the third party agency, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX I noticed portfolio recovery reported I had a credit card balance with XXXX XXXX I submitted a dispute through XXXX XXXX and called portfolio recovery. Portfolio recovery said I had open a credit card in California, I explained I lived in northern Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX was closed and ignored by both the CFPB and NewRez. See attached the foreclosure documents left on my front door to indicate a sell of my property in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This XXXX, upon move out notified me that there was a charge. After contacting them via email they stated it was due to a carpet charge. I provided them with a video of where my apartment was left in the same condition it was leased to me in including the carpeted area where they stated had " heavy traffic ''. They sent pictures of someone else 's unit and demanded I make a payment in 30 days. I asked that they provide proof with actual pictures from unit again and they did not '. What they did do was turn me over to a collection agency less than 30 days after telling me I had 30 days to resolve the matter and without providing sufficient proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Unable to use this gift card for any online purchases. Tried on XXXX XXXX XXXX XXXX XXXXXXXX. 

All transactions come back and say that the transaction was denied by issuing bank. 

Gift card amount is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX added a derogatory mark to my credit report per Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX  violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: SD

Complaint narrative:
My XXXX account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various XXXX accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/year> - {$4800.00} Transaction 2 : XX/XX/year> - {$990.00} These transactions were significantly higher in value compared to my usual XXXX activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with XXXX : Upon discovering the fraudulent transactions, I promptly filed a dispute with XXXX. Unfortunately, XXXX dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical XXXX usage. I am now facing chargebacks and bank reversals for transactions I never initiated. 

Now, XXXX has turned over {$4800.00} to a private collection agency, American Coradius International LLC, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My personal information was given to a person who stalks me and I have an active injunction against harassment on. The girls name is XXXX XXXX XXXX, her date of birth is XX/XX/year>. She posted my personal credit information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: AL

Complaint narrative:
This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt collector engaged in XXXX, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
This is in reference of Google pay complaint responding to there message complaint # XXXX... The accounts that have been compromised are XXXX, XXXX, XXXX, XXXX, under XXXX they have alot of credit cards under Google pay that I have never been able to have access there was at & t phones that were financed under my name I have documents to prove it was fraud I have accounts that were hacked into .All together from all my Google accounts ( Google Pay ) that was fraudulently taken from me was XXXX dollars and these are all the accounts that were on my Google pay but had no access XXXX. I didn't recognized the devices that were in my Google accounts .I would say don't recognize and it would allow me to change password but the devices that were unfirmiliar kept appearing .I had no control over my accounts or my phone and just recently my husband 's debit card appeared in the Google pay app which I neither him nor I use Google pay and there wasXXXX dollars withdrawn from my husband 's debit card that was on Google pay XXXX He is trying to dispute with his bank as of this moment. I have filed a police report and filed and continued one and filed with the federal trade commission # XXXX the police report numbers are XXXX XXXX this has been so depressing and has put me in a financial bind and I can't even pay my bills or rent because my accounts have been fraudulently used.thank you for your consideration in this matter

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX - Chase Bank restricted my account leaving me without access to my funds XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( amount {$640.00} ) showed on said account XX/XX/XXXX - Chase officially closed the account XXXX - Chase mailed a letter and responded to initial complaint that the account was closed and a check was issued for {$640.00} to be mailed to my address within 7-10 business days. 

Today is XX/XX/XXXX and although I have received every single letter Chase has sent me since, I HAVE NOT RECEIVED MY CHECK! It has been an entire month now without access to my funds and no one can provide me an answer except that it was mailed. We are way beyond even 10 buisness days at this point. It has been 18 business days since my account has been closed, and 13 business days since the supposed check was mailed.

This is inexcusable. Chase used their discretion and closed my account, that is fine, however, it doesnt take this long for a check to be mailed/ received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spent {$100.00} on utilities with this credit card to fulfill the {$15.00} offer, but the {$15.00} was never issued : XXXX, receive a {$15.00} statement credit when you spend {$100.00} or more in select categories between XX/XX/XXXX and XX/XX/XXXX with your Amazon Visa. * Plus, you continue to earn your rewards by setting your card as the default payment method. 
You have already enrolled into this offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This company stole my private information and sold it to credit reporting agencies without my knowledge or permission. Let alone my consent. This company has used deception and abuse in order to extort me for a debt not owed. I sent them a cease and desist order, yet they are not complicit. They continue to report false information to my credit report. They have not shown proof of any contract. The refuse to respond, let alone verify and validate the claims. They are in direct violation of FCRA 15 USC 1692. Theyve furnished my alleged consumer report with false information. We never had an agreement nor a contract. This action has caused me great damage without my due process of law. This ruining of my reputation has caused me harm and has limited my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC
State: PA

Complaint narrative:
I filed a complaint on XXXX XXXX ( plz refer to complaint # XXXX. Thre has to be some mistake because this complaint is not a duplicate. It stems from a new issue that has not yet been grieved and is as followed.. This company is being willingly non compliant to which is violating my federal protect right or what should be my federal protect rights. Once again I mailed this company a request for debt verification on XX/XX/year> to which you can see from the tracking receipt and what was stated to me by XXXX agent to which I was told staff at Oliphant reschedule delivery of the mail then refused to sign for the mail on the following delivery scheduled date to which denied me my right to request debt verification.Oliphant Failed to provide XXXX and in doing so did violated 15 usc 1692gb and PROOF OF CLAIM and All disclosures listed in this this correspondence Makes a false representation of the character of the herein above-referenced alleged debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I tries to pay my dept but they told me they couldn't find my Information in there system and I was never notified by this collection agency that they had bought my debt from the previous dept collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTION OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSET IS IDENTITY THEFT! I am demanding the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries as they were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22 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: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
Goldman Sachs has refused to fix a problem. My apple credit card has been hacked by XXXX XXXX XXXX XXXX charge 12 times this month XX/XX/year>. I have spoken to several customer service people and 3 Managers at Goldman Sachs and they refuse to stop this attempt to charge my card. 12 times my account number has been changed my 3 digit number code changes several time a day. Still XXXX XXXX has tried to charge my account. I would say Goldman Sachs has been hacked and won't admit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX deactivated for no explained reason by Wells Fargo rep or XXXX customer care rep. Just another way Wells Fargo has kept timely funds or access to the account from this XXXX veteran. 

multiple issue with accessing his funds in a timely manner resulted in the following as stated below - Loss of extended stay Temporary homelessness - Borrow funds and unexpected travel. 
- Credit score drop affected by lack of auto-payment and funding See past complaints have been targeted by Wells Fargo on numerous occasions declining transactions and collaborative actions from multiple accounts displaying refusals of corrective action for lack of funds. 
Note : XXXX XXXX currently have a good condition card in hand that he was forced to replace ( pending ). He is currently borrowing money or food and has XXXX XXXX.He has a card that he was forced to replace due to declining action of the bank. ATM recognized card but would not give funds. See pic of card currently in possession.

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 2024-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I'm unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name, and signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
I own a XXXX XXXX Credit Card through Comenity Bank. On XXXX I paid the total balance due of {$190.00} on or before the due date. This was to pay off the total amount due on the card. There was additional interest and fees that Comenity Bank tacked on, and I was unaware of at this point. I did work with the company to make an additional payment of payment of {$11.00} on XXXX. I didn't think that I owed that but may have made a mistake. After the payment on XXXX they have tacked on {$150.00} ( as of XXXX ) in late fees and interest with a {$0.00} balance owed on the card. Comenity Bank refuses to work with me by removing these late fees and interest on no purchases. I had asked to cancel my credit card with them, and they have not cancelled it, and I am not going to pay for junk fees they keep tacking on. Comenity Bank has decided to retaliate on my XXXX XXXX XXXX by reducing my spending limit from {$1400.00} to {$100.00} as of XXXX. Both of my store cards with Comenity Bank I have paid on time. Please help in resolving this issue so I can be done with Comenity bank once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I previously sent a Notice of Identity theft to the Credit reporting agency known as EQUIFAX however, the address i was given seemed to be incorrect. So for this reason I have decided to contact the CRA through this portal to ensure that my Notice is received. My consumer credit file is extremely important to me and I have noticed information is currently being reported that Is as a result of identity theft. I have not authorized the nor conducted the inquiries that are listed on the attached Notice and police report. This information is fraudulent and pursuant to 15 USC 1681c-2 ( a ) must be blocked and removed immediately from my consumer credit file within 4 business days of RECEIPT. No individual has certified that this information, it is unverified and fraudulent. I have verified that this information is not authorized by myself as the consumer involved and I have used the attached documents as my proof. See the attached Identity theft police report and Notice of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NY

Complaint narrative:
Experian and XXXX has unknown inquiries on my credit report and its holding me back from loans mainly from experience. I cant obtain anything and experience loads inquiries on my credit report for no reason I do have evidence. My experian credit report doesnt add up with my XXXX XXXX XXXX XXXX credit report so therefore, experience is all the way in wrong for them to have my credit score like that also its giving me and my family mental anguish. I cant even get a proper loan from anywhere having car problems. Im back on rent and its a lot of other things thats going on in my life this just top it off and I just want remedy tired of looking at my credit score because experience thats the only one thats low. The other two are proper experience has wrong information and they miss using my credit score and information which is putting mental on me and my family

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