vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I requested and was placed on an interest only payment plan on XX/XX/XXXX ( see attached approval letters ), I set up autopay for the payment ( for both loans ) in the amount of {$150.00} the first payment made XX/XX/XXXX and the gentleman I spoke with pushed the next out to XX/XX/XXXX. 

Navient does not have an indicator you are on such plan on their portal and kept reporting to me and the bureaus that my payments were past due even though they weren't. Due to the fear of additional negative reporting, while trying to get a mortgage, I went ahead and made individual payments on the loans, only to find out that on the XXXX of each month, Navient is still debiting my bank account for {$150.00}. I called and tried to rectify the situation and was told my account was past due from XX/XX/XXXX, which is impossible due to the interest only payment plan I was actively participating with. 

The rep on the phone argued and screamed at me and said I either pay it or I don't get my mortgage. Out of fear, I once again paid and paid double. This month they are now reporting me past due again ( bill was due XX/XX/XXXX ) and it's the exact same scenario, I am still enrolled on the interest only payment plan through XX/XX/XXXX. I am being bullied and threatened and am unable to get out of this loop of double paying my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I initially applied for my Citi credit card back in XXXX of XXXX  and I called several times because I never received my credit card. After 4 calls, I finally received my credit card, not until XXXX. I only applied for this credit card because of the promotion for 0 % interest on balance transfered for the first 3 months. Since I never received my card in time, due to no fault of my own, I asked for my promotion to start because they didn't allow me to transfer unless I received the credit card. I never heard back from them and it's been 4 months now. I also applied for a 2nd card for the balance transfer promotion as well, and it's been the same thing. I've called 3 times now in the course of 3 months because I have yet to receive my credit card from Citi as well. The representative told me I can not talk to the marketing team and told me he had to close my account to try sending the card again. This is fraud as they are not sending my cards to me until the very end, or after the promotion period. They did not honor what they promised and advertised, yet I am stuck with 2 credit dings now with no promotion.

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 2024-06-20 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: PA

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without permission to open two accounts and make purchases with the company ( s ) of which I am unaware. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. I would have contacted these companies regarding the matter, and it has been a bittersweet experience for me. I have sent letters to these companies ' fraud departments, I have called over the phone, and I have sent numerous emails to solve the matter, and I have yet to come to any solution. I request a proper investigation and immediate deletion of these accounts, for the negative accounts, have been hurting my credit for a long time. Following the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. Also, please notify XXXX account number XXXX and XXXX XXXX XXXX  account number XXXXand tell them the debt results from identity theft. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice explaining your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including Account applications made on paper, online, or by telephone ; Account statements or invoices ; Records of payment or charge slips ; Delivery addresses associated with the account ; Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NY

Complaint narrative:
I am a XXXX XXXX XXXX in XXXX. As part of my work, I get a payment from the regulating authority, called XXXX XXXX XXXX XXXX because XXXX XXXX a XXXX XXXX XXXX. This fund that sends me payments is called the XXXX XXXX XXXX. I have been getting my payments with no issue from the XXXX XXXX for years. Last year the XXXX in XXXX of XXXX switched how XXXX would get this money from XXXX XXXX XXXXXXXX to PaypalXXXX XXXX would use paypal to distribute money, instead of a prepaid card. So these payments would now go into a Paypal account and then I can transfer this money to my account. I was getting my payments with no issue until XXXX of XXXX. I had accumulated {$1000.00} from XXXX payments, which can be shown in my transaction history on Paypal. Then in XXXX, Paypal issued a correction, and withdrew {$1000.00} from my account. Since XXXX I have been calling Paypal incessantly to ask why this happened. Paypal customer services say they do not know anything about what happened. I asked what does Correction mean, as this is stated in the transaction. I am told that they don't know what correction means. I ask Where is my money? They say they do not know. Then they say that XXXX XXXX XXXX instructed them to send it back to them, but this does not make sense as I have been getting payments since XXXX of XXXX, and these payments come from XXXX. I called XXXX XXXX XXXX and they have no clue what is going on. Then Paypal said that XXXX knows where the money is and I should ask XXXX. I received a response from XXXX  that XXXX does not have the ability to remove funds from my Paypal account, and as XXXX uses Paypal to distribute payments, the issue is with Paypal. I called back to Paypal so I can get an email to correspond with someone about this issue and I was told that they do not correspond thru writing and emails with private people about concerns. Then the fourth excuse they made was that they sent the money to the NY State Comptrollers office as unclaimed money which makes no sense. I went to them and I had no money there. I have been calling them on a daily basis, and their official stance now is that they do not know anything about this money and they do not know where it is. So they came up with 4 different excuses and now they say this. On one of my calls, I did speak to someone who told me off the record that someone on Paypal 's end took this money, and did not elaborate further. I just want my money that I worked for. Paypal is stonewalling and basically saying they have no clue what happened, but how is this possible. Money was in my paypal account, paypal took this money out as a correction and now I do not have my money. I am attaching screenshots of my transaction history and correspondence with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Subject : Complaint Against Zwicker & Associates, P.C. for FDCPA Violations Dear Consumer Financial Protection Bureau, The Fair Debt Collection Practices Act ( FDCPA ), ( 15 USC 1692 et seq. ), which became effective XX/XX/year>, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The FDCPA also protects reputable debt collectors from unfair competition and encourages state action to protect consumers from abuses in debt collection. 

I am writing to file a formal complaint against Zwicker & Associates, P.C. for violations of the FDCPA. I believe that this agency has engaged in abusive, deceptive, and unfair debt collection practices in my case. 

Specifically, the following violations have occurred : Harassment and Abuse : Zwicker & Associates, P.C. has harassed and abused me in the process of attempting to collect a debt. This is a clear violation of the FDCPA, which is designed to eliminate such practices. 

Failure to Send Initial Communication : Zwicker & Associates, P.C. failed to send me an initial communication before initiating a lawsuit against me in state court. This denied me the opportunity to validate the debt, which is a direct violation of 15 USC 1692g. According to the FDCPA : " 1692g ( d ) Legal pleadings : A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. '' Lack of Signed Contract or Agreement : I do not have any signed contract or agreement with Zwicker & Associates, P.C. There is no documented proof that I owe any debt to this company.

Failure to Provide Master Account Sales Agreement : Zwicker & Associates, P.C. has not provided any master account sales agreement between themselves and the original creditor, further casting doubt on the legitimacy of their claim. 


The actions of Zwicker & Associates, P.C. are not only in violation of the FDCPA but also cause undue stress and financial hardship. I am seeking your assistance in investigating this matter and taking appropriate action against the agency to prevent further abuse and to protect other consumers from similar experiences.

Please find enclosed copies of any relevant documents that may assist in your investigation. I appreciate your prompt attention to this serious matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
I returned equipment owned by XXXX on XX/XX/23 by XXXX as directed by XXXX. I was to be credited {$100.00} off my final bill. EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX won't remove the collection from my credit report. I have provided them with the XXXX tracking number but they refuse. I disputed the collection and they have responded it was valid. I have been trying to get this resolved for 3 months and no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: TN

Complaint narrative:
On XX/XX/year> I initiated a money transfer on Xe.com between my own US bank  account and my own XXXX bank account ( transaction ID XXXX ). They said that the {$30.00} US dollars I sent them would amount to XXXX CNY ( Chinese yuan ) on the receiving side. As specifically instructed by their website I entered my own first and last name only ( XXXX XXXX ). 

After a significant delay ( XX/XX/year> ) they informed me that the transaction had been rejected by the receiving bank due a name mismatch with an XXXX CNY fee deducted ( about {$11.00} ). Having already lost a significant amount of the transfer, I asked them to clarify what the issue was since I had followed their instructions exactly. They provided no guidance on how to proceed and told me to ask the receiving bank instead. Not trusting them at this point, I asked them to return the remaining amount to the original US bank account. I received a transfer of {$18.00}. 

I believe the problem with this transfer was that it was to a XXXX bank account, which uses a different name order and was likely looking for a full match in reversed name order ( e.g. " XXXX XXXX XXXX '' ). However, I followed Xe.com 's instructions believing they were accounting for such issues if they were sending it to a foreign bank. I do not believe Xe.com is competent to transfer money to a XXXX if they can not account for such simple issues. Their negligence in providing wrong instructions cost me {$11.00} with no funds transferred to the intended destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$83.00} Account Name : XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY AS THEY HAVE USED MY SSN CARD WITHOUT ME RECEIVING ANY BENEFIT ONCE AGAIN. I KNOW WHAT THESE CORPORATIONS DO WITH CONSUMER CREDIT APPLICATIONS IF THEY ARE DENIED OR APPROVED IT MAKES NO DIFFERENCE THE CORPORATION MAKES MONEY WHILE THE CONSUMER SUFFERS.I HAVE APPLIED TO THIS COMPANYS PRODUCTS IN GOOD FAITH WITH GOOD INTENTIONS, AND AGAIN DOES ANYWHERE IN THE CFR, UCC, STATE THAT CONSUMERS MAY RECEIVE GOODS BASED A CREDIT SCORE. MY SIGNATURE IS THE CREDIT THIS WILL BE MY FINAL ATTEMPT BEFORE I TAKE THIS ISSUE TO FEDERAL CLAIMS. AS I HAVE SENT MULTIPLE LETTERS TO THIS COMPANY AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I had a XXXX account and decided to switch to XXXX XXXX. I called XXXX and while on a recorded line with XXXX we called the XXXX XXXX  costumer service to switch accounts. I asked the XXXX representative if i have to close the account myself to which they replied to as the account will be close automatically. I made sure to do this before the cutoff for my next monthly bill and paid my remaining balance. A couple of days later i got a bank statement charging me for my XXXX monthly account payment, i called the support line asking why i was charged but they told me they can not give me any information because i no longer have a unique passcode with them because i no longer have an account. I disputed the charge through my banking app and the money was refunded back to me. I do not get anymore messages or any mail from t-mobile about the outstanding payment to me and the last email i did get was on XX/XX/XXXX telling me my account is deactivated. Yesterday on XX/XX/XXXX i get a phone call from Amsher Collecting agency telling me i have an outstanding payment of about double of what i owed on my t mobile bill to which i replied to them to stop contacting me about it since i thought the matter was resolved. Today i get an email from the same company telling me to pay them. I gave t mobile a call to check on this issue and they tell me i need to give them a passcode again for an account they emailed me that is closed and i have not had access for almost a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: ME

Complaint narrative:
I received an alert from XXXX stating that there was a hard inquiry on my credit report to US Bank Consolidated for a credit card. I did not apply for any credit with them.

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 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of XXXX XXXX XXXX XXXX trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX  XXXX  {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for XXXX XXXX  because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report. 
This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft

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 2024-06-20 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: CL Holdings LLC
State: TN

Complaint narrative:
I received a debt collection notice stating that I owed the company which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: DE

Complaint narrative:
I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies XXXX experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted

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 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
It was stated that no money was going to be taken out my account a check was processed for a non approved amount when I got the loan checks was signed {$130.00} not the amounts for checks presented constantly

Company response to consumer: Closed with explanation