vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/2020 RESURGENT RECEIVABLES LL started reporting on my credit report. last month I personally wrote this company and let them know I did not consent to having them report on my consumer report I actually sent them a notice to XXXX XXXX XXXX all XXXX through ANY and ALL mediums including my consumer report. This company is practicing fraudulent XXXX XXXX practices and continuing to further harm me as the consumer. I have a right to have my consumer report reflect me in an equitable light and this company is in violation of that right. This company is also in violation of buying my personal information without written consent from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Hello, This is in regards to my XXXX XXXX loans with Mohela and XXXX XXXX XXXX loans with XXXX. I completed a XXXX XXXX Applications against The XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XXXX on XX/XX/2022. I am XXXX XXXX XXXX vs XXXX. After I completed the XXXX XXXX Applications, I was advised to consolidate the XXXX XXXX XXXX XXXX loans. Which I did. Now all loans are with Mohela. My complaint is this..I need the loans to be put into XXXX XXXX for as long as the XXXX XXXX Applications are being reviewed by the XXXX XXXX XXXX XXXX While the loans that were originally with Mohela are in XXXX XXXX, the XXXX loans that were with XXXX that are now consolidated with Mohela are not in XXXX XXXX. I have written Mohela, I have tried to contact them via phone, I have done chat on website, but I am either getting no help, no response or the run around with putting these loans into XXXX XXXX. I need all my loans with Mohela to be put into XXXX XXXX while my XXXX XXXX Applications are being reviewed/processed. Thank you for your time and help with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In reference to the complaint number XXXX. The sender 's bank had sent swift messages to the fifth third XXXX times, fifth third did not reply. I received an instruction from a manager in XXXX of the branches of Fifth Third in XXXX on how to send the XXXX form and request the money back. The sender ( XXXX XXXX ) initiated the XXXX form with the instruction given on XX/XX/XXXX, up till now, I have been visiting the branch and also calling the manager if I couldn't go, but the manager is telling me they have not replied her from the fraud protection if they see the request or not. Can someone please respond to my request, please? This is a typical XXXX indiscrimination against me, so humiliating and this is totally not making sense. They are just using my weakness against me. They are just treating me like XXXX, the sender had my car already so she kinda off cares less about how my bank is treating me and I keep paying XXXX XXXX on a car that should technically be sold. I don't have the money and I don't have my car either, this is just causing me XXXX XXXX every day to see a bank treating me this way for no reason. This is XXXX dollars we talking about and the fifth third is sitting on it for this long without a reasonable reason. I need someone to look into this for me. This is so shameful to see this kind of act in the banking sector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Blackhawk Network Holdings Inc.
State: RI

Complaint narrative:
I was provided a XXXX XXXX gift card issued by this merchant with the specific intention of using it on a service that I don't wish to use my personal credit cards for. The purchase was declined despite a complete XXXX XXXX and XXXX XXXX match. There is no excuse for the card issuer to declined purchases on a XXXX gift card that is clearly a valid transaction with a legitimate XXXX merchant. With the inability to use the card with this merchant, it carries no value for me. I attempted to contact the merchant to discuss the issue but the merchant offers no XXXX support of any kind and their XXXX  support was designed not to address this issue. 

As I'm sure CFPB knows, this is a known tactic XXXX XXXX issuers use to essentially keep the funds. By declining transactions as they see fit, they hope the user gives up and forgets about the card or ceases trying to use it. I've experienced similar issues in the past with some prepaid cards being declined at multiple XXXX merchants w/o cause. Since their XXXX liability is such a tiny inconsequential monetary amount that they disclaim liability for anyway, the only logical explanation for declining the transactions is to discourage the cardholder and keep the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2023 I was contacted by Bank of America by email that my account was XXXX. There should have been well over XXXX in my account. I immediately logged into my account and realized my account/XXXX XXXX was as XXXX. I also called and filled a XXXX  claim as I was out of the country and I hadnt authorized any of the XXXX that caused the account to be overdrawn. After XXXX weeks went by and I hadnt heard from Bank of America I called again and learned a claim was never opened originally when I called in XXXX. This time a claim was opened and immediately closed stating XXXX XXXX XXXX XXXX to file. I immediately called and disputed and had the claim reopened. This time Bank of America took well over the XXXX days to investigate and upon calling at day XXXX they denied my claim again. I called back to ask why, they stated that I logged into my account in XXXX prior to filing a dispute so the claim was denied. Obviously Bank of America is in violation of XXXX regulation XXXX and XXXX XXXX  regulations. Ive sent Bank of America XXXX documents proving I never made these transactions and no one was authorized to make purchases on my account. Bank of America refused to investigate this matter and not within the regulated XXXX day time period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was making monthly payments, Mr. Cooper Morgate company claimed I missed two payments and it disappeared off the website then demanded I make two additional payments for two months otherwise they would foreclose me and then when I tried to pay the second month they said the website was down and the phone was down because it was hacked and when I tried to make a payment they sent me to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Since XXXX i have been trying to pay my loans and they keep rejecting my payments. Now it is charging me late fees and RUINING my credit score. Customer service said they dont know and refused to give me any information, my bank says they arent seeing anything on their end, my banking information is correct. I dont know what else to do because its about to ruin any chances i have moving out of my parents house and its charging me interest!!! i feel like im being taken advantage off and need to take legal action to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: IL

Complaint narrative:
There is a XXXX credit card listed on my credit report stating I owe a balance, I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: IL

Complaint narrative:
There is a XXXX credit card listed on my credit report stating I owe a balance, I have no knowledge of this 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 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: GA

Complaint narrative:
I am currently applying to take the XXXX  Bar exam and the Character and Fitness Application requires a credit check. When I checked my credit on XXXX and XXXX, my credit was clean, but when I checked XXXX, a delinquency of {$6100.00} appeared on my credit report. The collector is Prince Parker and Associates and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. It says the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I. have never used XXXX XXXX XXXX and I have never been to XXXX, XXXX. Note that I have had several issues with fraud this past year. XXXX, XXXX, XXXX, and XXXX XXXX credit cards have been opened in my name fraudulently. Each company opened investigations into the matter and determined it was fraud. I received letters from each company stating they closed the account and cleared all debt. However, it seems now that whoever stole my identity opened an account with XXXX XXXX XXXX. Note that the XXXX fraud took place in XXXX, XXXX  as well. A police report has been filed regarding this new XXXX XXXX XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NC

Complaint narrative:
BY law these companies are violating my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: NC

Complaint narrative:
BY law these companies are violating my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Previously a student with XXXX XXXX XXXX XXXX XXXXXXXX ) enrolled in XXXX XXXX XXXX XXXX XXXX the school lost XXXX, discontinued courses, and no longer offered a degree program. I contacted the Department of Education ( loan carrier ) and they filed a suit against XXXX to have accreditation revoked. Accreditation issues were a longstanding issue with school and has been communicated since 2008 which XXXX XXXX XXXX XXXX of XXXX placed them on probation and later revoked accreditation again. Students had no acknowledgment of these issues until the bill was created. I contacted the XXXX XXXX  XXXX to dispute the amount balance, which should be XXXX XXXX but never agreed, could not produce accurate information from the school or come to a fair agreement. I filed numerous applications to later be informed by staff, we never received your application. On a couple of occasions and now recently on pending status. Because, of the count attempts to fix the loan amount and the court documents finding the school incompetent to render services.I am filing a complaint to ask for assistance with this matter so I can address my credit, buy a house and avoid higher interest rates and larger down-payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I went in person to XXXX XXXX. ( XX/XX/XXXX ) to file this dispute I then received a letter stating that the merchant did not violate any XXXX rules and regulations. They never provided me any information as to why they denied my claim or why they closed my case. They claim the merchant provided proof that it was a verified charge. I did agree to the charge but I never received my product or the service I paid for. 

I ordered a XXXX and the service was sub par absolutely horrific. It should last XXXX month. I asked the merchant to just give me XXXX and she said she could fix it. She did something and charged me again. XXXX times from XX/XX/XXXX to XX/XX/XXXX a total of XXXX and I still had to go to another hair salon to fix what she didnt do correctly. 

I have been ripped off and XXXX is allowing it. They have a fiduciary responsibility to me. They never provided me with any substantial information regarding my dispute. 

On XX/XX/XXXX I paid for a XXXX. I gave permission for the amount of XXXX ( XXXX charged to the card and XXXX in cash ). I never received the customized XXXX.. I want my money back immediately. 

TRANSACTION : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX XXXX Case Ref No. : XXXX. I feel like these credit card bank companies should give me XXXX time courtesy for what I went through. I want the case to be re-opened. I'm a senior citizen and XXXX on a fixed income.. She took XXXX  my XXXX income. I did not receive any documents from XXXX regarding the case. I never got the service that I paid for. 

I have been ripped off by this merchant by XXXX Im on a fixed income. I never got what I paid for. 

I want at least XXXX of my money back 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 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was attempting to rent an apartment from a " XXXX XXXX '' on XXXX on XX/XX/2022 and was told to leave a deposit for the apartment. After multiple deposits were sent to the person, to different email addresses and names, I became suspicious and visited the property in person and spoke with the owner and they had informed me that the apartment was not available to rent and the posting was false. 

In total, an amount of {$5300.00} were scammed from myself and I reported this to my bank, with a follow-up on XXXX XXXX to investigate the claims. I was told that these claims could not be reimbursed since I sent the money and they ignored my comments of being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX I attempted to close my XXXX XXXX XXXX  account due to XXXX XXXX orders. I was told by an XXXX technician/rep that if I received orders at any point then I would be waived of ALL fees. Ive had services since XXXX, I would have cancelled services years ago, however, I would have been charged, so I waited for my next assignment and orders to reap the benefits. Suddenly, the time came and I proceeded to ensure that I would be waived of ALL fees, again I was reassured so I cancelled services during a stressful time of XXXX  relocation. ( If I knew I would have been charged I would have NEVER cancelled during this time ). I was charged {$1100.00} soon after cancelling. I spoke with countless representatives, often times I would be on hold for over an hour and I also e-mailed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX when XXXX never responded again. I continued to argue I should not be held accountable for being mislead by XXXX  technician. I was not made aware of this. I did not authorize this. Im XXXX XXXX and relocate often. I did NOT agree to this. I was told being XXXX XXXX all fees would be % 100 waived. What do I do moving forward? I cant relocate across the country with {$1100.00} garnished from my check. I would have NEVER cancelled service during this time if I knew this. This isnt ethical, its not fair and mistreatment of service members. Fraud, waste and abuse is being conducted by XXXX technicians across the country to make sales. There has to be a way to waive this fee. I shouldnt be held accountable for the misleading sale tactics presented to me., however, nothing was done about it. I brought this issue to my bank and disputed with them on or around XX/XX/XXXX. Finally, on XX/XX/XXXX my bank followed up with the results and concluded my claim/dispute was valid. Now in XXXX, XXXX is sending me mail stating they will send me to collections. I would like to report this issue and end the harassment followed by this company. Please assist! Im currently going through a clearance upgrade and can not afford to be sent to collections by XXXX. Please advise. Thank you so much! Very respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXXXXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States | have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Nation Credit Systems is continuing to communicate negative information regarding a debt I do not owe them. The company has furnished the inaccurate information to credit reporting agencies and has damaged my credit reputation. 

I have notified the company to cease all communication on several instances but the company has continued to report the information with no authority or consent. 

Please see attached.

Company response to consumer: Closed with explanation