vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NC

Complaint narrative:
On XXXX XXXX Lending Club cashed a check in the amount of {$10000.00} that was marked clearly with our account number and intended to payoff our loan with Lending Club. Our account has never been credited. We have contacted Lending Club over a dozen times in an attempt to resolve this. We continue paying our monthly payment and our payoff amount is now down to {$8300.00} and are owed the difference. Lending Club promises to call us back but never does. ( Three separate occasions have promised to call us the next day ). We have offered to provide the cancel check and supporting documents but Lending Club refuses to assist us. We are making this complaint XXXX XXXX because we do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I am 7 days late on a payment to Comenity Bank and they have called me multiple times today, Friday XX/XX/XXXX. They called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They are relentless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/22 dispute letters for Transunion and XXXX were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by Transunion and XXXX. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
Phoenix financial services is claiming I owe XXXX on XX/XX/XXXX from the statement I received via mail ... stated would settle for XXXX Received another statement via mail XX/XX/XXXX stating account was XXXX and they would settle for XXXX I looked back and have medical statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all of those statements from XXXX XXXX XXXX say one amount for XXXX and XXXX. That equals a total of XXXX. 

So now I look back on the 2 statements I received from Phoenix financial and they're stating that one amount is for XXXX and the other for XXXX. Totaling XXXX. I've looked at the original auction numbers, they do match but there is no visit number on these debt collection statements to cross reference with the original ahn statements. And the first Phoenix financial statement said the creditors is " XXXX XXXX XXXX XXXX '' I have never been contacted by this creditor that pheonix financial is claiming. 

Since XX/XX/XXXX I have received 25 missed calls. I've never answered because that resets the debt time clock and no one ever leaves a voicemail. XX/XX/XXXX XXXX missed calls, XX/XX/XXXX XXXX missed call XX/XX/XXXX just once. XX/XX/XXXX XXXX calls, XX/XX/XXXX & XXXX just one call those days. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call XX/XX/XXXX, XXXX, XXXX and XXXX XXXX call per day XX/XX/XXXX XXXX calls, XX/XX/XXXX XXXX call. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call. Not one single voicemail. It's harassment especially since my phone number is on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I witnessed a fraudulent account on my credit report that I had no knowledge of. I called the store and they name several things that was bought that I never purchased or had any knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
After I checked my TansUnuion credit report I noticed several duplicate items on such as follows : Duplicate items from { XXXX  XXXX XXXX Total XXXX  Acc # XXXX } Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX the only difference is the accounts closed dates one is on XX/XX/XXXX and the other is on XX/XX/XXXX one of the accounts is on page 7 and the other is on page 11. 
I will upload screen shots of the Transunion credit report for Page 7 and 11 I did disputed the item for the duplicate errors but transunion refused to delete or correct errors regarding these two duplicate acoounts. I would like transunion to stop reporting the same account twice and delete one of the accounts.

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 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Throughout the life of my student loans I have had several years that I was encouraged to go into forbearance by the loan provider, as I couldnt afford payments. Now I am learning that throughout that time frame, had I even made partial payments they would have counted towards my 120 months for my public service loan forgiveness. I feel as though I was misguided with this and in the long run jipped of a huge amount of time that could have been taken off my loan payment time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I had my identity compromised, LNVN collection agency would not hear me after I told them the debt was not mine. Filed an identity theft report with the police and FTC. They continued to call and harass me and threaten me. They called my job told my boss and coworkers about the debt that wasn't mine. Threatened my XXXX mother by phone that lives two hours from me. And have put a judgement on me and won't stop after I filed everything out for them to prove it wasn't my debt. I'm tired this has been going on for two years! I've had to change my number and my mothers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Today, XX/XX/22, I was notified about a debt sent to collections ( Convergent Outsourcing inc. ) for a bill incurred from XXXX XXXX which was reported XX/XX/22. I have never lived in Texas. I have never cosigned any loans/utilities. The amount owed is {$560.00}. My wife had a fraudulent claim from XXXX XXXX as well ( we both have never lived in Texas. ) I have pulled credit reports from all three Bureaus and am working with my identify theft service to get this addressed. This claim is to further address 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 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I received notification via my credit monitoring service that I had a collection placed on my account. This dropped my score over XXXX points. I never received a notification of owing the debt or that I could dispute the debt. I requested verification of the debt and the only thing they sent me was a bill from XXXX. This debt was previously with another debt collection company and I contacted XXXX and they said I did not owe the debt. I communicated that to Southwest Credit Systems and they told me I owed the debt. I have only received 2 communications from them and that was after they reported my account to the credit bureaus. Additionally this account is from 2015 which is 7 years old but they are reporting it as if it was new.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank is aiding and abetting common criminals, con-artists, and scammers when they allow one of XXXX XXXX cardholders , in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX  girlfriend from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the U.S. Government sent her back.

We did everything that we could, but the test of a credit card authorization under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to a signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( attached ) which he also did.

The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a surgery won't result in the patient 's death.

But either way we did the work, and deserve to get paid, not robbed as was done here, when M & T Bank refused our dispute that this was an unauthorized debit by XXXX XXXX, who unlike XXXX  and XXXX, understands that a lot of their cardholders are scumbag con-artists, freeloaders, shoplifters, and thieves. 

Please investigate and advise. 

XXXX  our duly charged and earned {$5000.00} legal fee payment.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX account # XXXX0 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.

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 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX I opened a Chase Bank Premier Plus Checking account. I was told at the time I opened the account that due to being a Veteran, the account was being upgraded which allowed certain extra benefits, one of which was free wire transfers. 
I sold my home on XXXX XXXX, with a sum of money deposited on Monday XXXX XXXX. I called XXXX. to inquire about effecting a few wire transfers and without asking, the service rep offered that due to the upgraded account for Vets, the wire transfers would be free of charge. 
XXXX XX/XX/2022 in went to a local Chase Branch in XXXX, CA to complete the transfers desired and was told each wire transfer would cost me {$35.00}. I protested, but as there is no manager at the branch, I accepted 2 cashier 's checks which i deposited in other local banks. I was charged {$35.00} for a wire transfer to XXXX for a service I had been told by 2 other Chase Bank employees was free. Interesting how the error is always in the bank 's favor!!!!! 
In 60 years of banking, this is only my second complaint.. .but both complaints are against Chase Bank XXXX The first was resolved successfully. It also involved inconsistent communications by Chase Bank employees. Sounds like a lack of proper training.. .or is this a similar tactic to some of XXXX XXXX XXXX profit enhancing ideas?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2022, I realized that I owed {$1200.00} for XXXX 2022, {$1200.00} for XXXX 2022, and was about to owe {$1200.00} for XXXX 2022. That I would owe over {$3000.00}. I had been told that I was in forebearance and that I only had to pay {$390.00}. Suddenly I was about to be in foreclosure and my forebearance would end on XXXX. I had paid the {$390.00} and most of the time over {$1200.00} a month during this forebearance. I was freaking out and was told the only way to avoid foreclosure was to end my current forebearance and apply for a new forebearance. The agent with SPS new that I had no income coming in and that I would not be approved for any new foreberance. They said that the only difference it would make for me to end my current forebearance and start a new one is that with my current forebearance I only owed {$1200.00} and that if I ended my forebearance early and reapplied I would then owe {$1200.00}. I thought the only difference was {$14.00}. That is how SPS tricked me into ending my forebearance early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc.
State: NC

Complaint narrative:
I am formally filing a complaint against Conn Credit Corp/Conn Appliances Inc for deceptive credit reporting practices as well as violating FCRA and Fair Debt Collections Practices Act. Furthermore, they are also in violation of North Carolina General Statute Code 58-70-01 which prohibits a debt collector or credit bureau from engaging in debt collection practices without obtaining a surety bond, and filing said bond with the North Carolina Secretary of State office. 

On XX/XX/2022 I sent a dispute letter to Conn Credit Corp, where I disputed a derogatory tradeline being reported under my social security number for a {$2600.00} charge-off. 

On XX/XX/2022 the dispute letter was returned as undeliverable. Not only are they reporting a fraudulent address, but they are also showing the account 's worst delinquency is a bad debt/collection account on my XXXX, this is in blatant violation of the North Carolina Debt Collection act specifically NC General Statute Code 58-70-01. 

They are also reporting separate company names, and conflicting addresses under my social security number. 

To add insult to injury, they are showing the account as charge-off with no closed date as well as reporting a balance of {$2600.00}. 

They are in violation of numerous FCRA and FDCPA, including North Carolina local state debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a used vehicle in XX/XX/2022. I mistakenly thought my first payment to Westlake Financial was in XXXX, however, it was due XX/XX/2022. Without any telephone, e-mail, text messages or regular postal service communication they repossessed the vehicle within ten days past the due date. I not ever given any opportunity to quickly rectify this before they took such drastic actions.

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to Experian, collections for federal student loans have been placed onto my account from XX/XX/XXXX through XX/XX/XXXX. The second collections notice shows collections reports for another federal student loan from XX/XX/XXXX through XX/XX/XXXX. 

The first loan amount is {$2500.00} and the second is {$1700.00}. 

According to " House XXXX XXXX XXXX '' ( XXXX ), " Every provision contained in or made with respect to any obligation which purports to give the oblige a right to require payment in gold or a particular kind of coin or currency, or in any amount of money of the United States measured thereby, is declared to be against public policy, and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions are contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 goes on to state : " As used in this resolution, the term 'obligation ' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. '' HJR-192 superseded Public Law ( that which passes as law today is only " color of law '' ), replacing it with public policy. 

This eliminated our ability to PAY our debts, allowing only for their DISCHARGE. 

In addition, " 15 USC 812 '' explains that these " debts '' should not have been reported in the first place. With that being said, I am owed {$1000.00} per collections report as of the year XXXX through XXXX. 

Due to these reports, my credit score has been oppressed, ultimately keep me from being able to purchase a home, get approval for loans and other credit based financial opportunities.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved out of an apartment complex call XXXX  at XXXX XXXX on XX/XX/2021 and requested an itemized bill. I also provided my forwarding address and the manager replied they would send me an itemized bill when it was ready, but they sent my account straight to collections without sending me any notification via mail, Email, phone, nothing. I also had a coapplicant And they did not contact him either with the itemized bill or past due balance or anything. The only reason I saw it was because It appeared on my credit. I sent them all my emails requesting bill information and they never responded they ignored me and sent my account to collections.

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/22 dispute letters for XXXX and Equifax were sent off in regards to inaccurate information being reported on my consumer report. It is to my understanding that there are certain laws in place that consumer reporting agencies must follow, or in turn they can be fined {$1000.00} per violation, or even criminally and civically charged if these Federal laws are violated, as they are not above the law. Attached in this complaint is a picture of the inaccurate information being reported by XXXX and Equifax. As we both know to report false information without full validation and verification after being provided proof of inaccuracy is violation of FCRA section 623 which is defamation and willful injury. Also neither Reporting Agency failed to report that this item was in dispute on my consumer report. This account needs to be deleted immediately, you've already had 30 days and have yet to complete or start any investigation of this account. You are now in violation of 1681i ( 5 ) ( A ) ( i ) which states " If 30 days have past information has not been verified within that time of reinvestigation, the information must be deleted ''

Company response to consumer: Closed with explanation