vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is not verifying the debt. They let these companies send in anything and tell me it was verified. I ask for proof from both the companies and Experian and I have yet to receive Verifiable proof ( Signed Contract ). I am an Identity theft victim. I am trying my best to clean up this mess. I submitted my dispute in writing and the next day Experian told me all of these accounts were verified. This is a clear violation of the FCRA. They have not supplied me with Verified proof. I have asked the companies and the credit bureaus and no answer just letters telling me it was verified they are allowing companies to send in false information which is fraud and illegal. I want these accounts removed from my credit report immediately. They have 30 days and the companies in question have ignored all 3 letters I have sent out. I then brought it to the credit bureaus ' attention just for them to tell me in 1 day it's valid.

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX I purchased 3 US Bank Visa Gift Cards. All 3 of the cards were properly purchased but all 3 are still not working. The receipt says Activation within 24 hours. I called US Bank Support ( XXXX ) on XX/XX/XXXX. They informed me to fax in the following : 1 ) Receipt 2 ) Front and Back 3 ) DL 4 ) Mailing Address 5 ) phone number to fax number XXXX. I did this and confirmed fax was delivered. I'm providing what I faxed in the attachments. 

I have called about XXXX0 times on various times on XX/XX/XXXX asking for an update as all 3 cards are still not working, but support number says they are busy and to call back later.

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 2022-07-19 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX amount XXXX. I went on line to book a room for my nephew, Web site for XXXX XXXX, XXXX FL. Clicked on button to book room, was suppose to be XXXX plus XXXX tax. Printed confirmation and amount showed total of XXXX. I immediately called number on confirmation XXXX XXXX XXXX XXXX which belonged to XXXX The person that answered the phone told me I could not cancel this reservation even though it says on confirmation free cancellation and I just booked 15 minutes ago. Basically they told me they already had the money and I was out of luck. I called XXXX XXXX and told the owner what was going on he said that he could not cancel because it was booked by XXXX. so now we have 2 players that say they booked one room. Then an additional XXXX service charge.This was a scam not sure if XXXX XXXX is involved or not. Did not use their room and did tell XXXX XXXX he would not be staying there. Not sure what their game is to double charge a reservation fee which I booked myself. It looks like reservation.com got ahold of booking.com and booked the room. I have been trying to get someone at Comenity Bank to help with this issue. They are rude, leave you on hold for XXXX hours and tell you they can't help. I still to this date have not had a letter stating they have declined or approved the charged. I have XXXX letters I have mailed and they always say did not receive. What is going on, is this a real bank. Their system is still down. Now they are putting on XXXX late charge and intreast. Stil have not received a letter telling me their decision. Please help. I read the reviews from Comenity Bank and it is not good!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My HSBC credit card number was stolen and initiated the below purchases without my knowledge XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX NY {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX CN {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX MO {$1200.00} In that same date XXXX the HSBC security team found several other fraudulent charges as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX ND XX/XX/XXXX XXXX XXXX SP XXXX XXXX XXXX FL All of these transactions were blocked as a part of fraud prevention and we reported fraud from our side and and credit card was closed. And a new credit card was issued But the charge we disputed for the amount of XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX MO is reinstated in the statement. Now there is a late fee and finance charge was accrued. Got a statement of Account number ending in XXXX New Balance {$1200.00} Minimum Payment Due {$76.00} Payment Due Date XX/XX/XXXX Neither me nor my spouse XXXX XXXX initiated this purchase and we never received any services from XXXX XXXX XXXX  XXXX XXXX MO for the amount of {$1200.00} And when I called the fraud investigation team, they are saying My spouse XXXX XXXX initiated the purchase, and the HSBC send us the bill of XXXX XXXX and surgical through email stating that the name is correct, verifying the bill from our side which states my spouse name is correct but the address is incorrect, our XXXX number is missing.There are hundreds of apartment units in this apartment complex If his name was used in the above transaction, He was a victim of identity theft dated XXXX and his police report is also enclosed. 
So I filed a new police report under my name for the above said transactions in my local police department. 
And more over the fraud investigation team told us to call this XXXX XXXX XXXX company and we called them they told us to send an email regarding this matter and the send email is also enclosed. And when we call them they are asking us which company are you calling from and the fact is that we dont have a company in the first place and we dont know who is this XXXX XXXX  XXXX company.Moreover it is oblivious that somebody initiated several purchases on the same date. 
We called the HSBC regarding this matter several times, chatted several times, send email but got rejected and even send a register letter to the HSBC billing department and there is no help from the HSBC credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy

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 2022-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX # XXXX NAME : XXXX XXXX XXXX OWED : XXXX 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions 15 USC 1681 Section 602 A States I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
My student loans are financed through XXXX. Or, it was XXXX when I was in school. XXXX is now Aidvantage. I am unable to contact XXXX, and was advised by them that further inquiries should go to Aidvantage. 

I am on an income driven repayment plan. My payments were {$68.00} per month ( this may be rounded up from $ XXXX ) before the pandemic. During the summer of XXXX, I received emails and banners inside my XXXX  account informing me I need to re-certify my income. I have an email from them from XX/XX/XXXX indicating I had submitted my information. I did so because I am an efficient and diligent person who likes to keep an empty to-do list. 

I also have an email from XX/XX/XXXX which shows I paid XXXX {$38.00}. If I remember correctly, this was an elective payment. I was trying to get some of my accounts down to an even {$100.00} increment during the forbearance period. It can probably be disregarded, but I am being as thorough as possible here. 

On XX/XX/XXXX I received an email saying that my IDR was renewed until XX/XX/XXXX, and the amount would be {$67.00} monthly ( which is the actual amount for $ XXXX I mentioned earlier ). On XX/XX/XXXX I received an email saying that my IDR was renewed for the period of XX/XX/XXXX until XX/XX/XXXX, at a monthly amount of {$230.00}. 

It is my understanding that the pre-pandemic-pause IDR plan amounts were to remain valid for some time post-pandemic-pause. 

On XX/XX/XXXX I contacted Aidvantage, who told me that they were going to get the paperwork together to fix this for me. I was on the phone awhile and she eventually came back and just told me no, they can't and they won't do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It has come to my attention that PenFed never resolved the banking errors which occurred back in XXXX. On XX/XX/XXXX Credits were posted to my account. I had initially thought these were the credits I transferred from my Checking Line of Credit to my checking account. These were in the amount of {$240.00}. So I then transferred these credits to my external account. On XX/XX/XXXX PenFed Deducted all of these credits. Resulting in a negative balance. Unaware of the negative balance PenFed then later closed my Overdraft Line of Credit and Credit Card citing that I had not responded to the emails received from PenFed regarding the overdraft share. Now mind you, I never received any calls from them regarding this issue. When I sent them an email confirming that these were placed in my account in banking error then, since I had stated I transferred from Line of Credit and didn't believe this was a mistake. PenFed responded stating that the credits applied on XX/XX/XXXX were supposed to go to another account and that these were done so in error. Then they advised I transferred these credits out and I am being held responsible for the funds since they were withdrawn before the correction could be made to " The account ''. This is obviously absurd, I do not control banking errors from this institution. I do not find this to be fair and equal treatment that I am being held responsible and forced to pay for a banking error, that I had no control over. How many other account 's has this credit union done this to? They then charged off the share and say I still owe it. I believe that I do not owe a balance that I was never responsible for in the first place. Penfed confirmed from XXXX XXXX that this was a banking error via email. Which I still have a copy of. This seems like this is harm to the customer especially when I was only transferring funds I had assumed were from the line of credit. I had no idea these were done in error as these did not have any description to them. I would like for this to be rectified so that I can bring my account 's back in good standing with Penfed. 
XX/XX/XXXX Funds Transfer Credit XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Ach Debit By Member XXXX XXXX Bank Transfer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ending Balance {$8.00} This is from the XXXX statement of 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 2022-07-19 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: Aldous & Associates, PLLC
State: CO

Complaint narrative:
Company name XXXX XXXX I have changed cards ( got reissue ) and didn't know for months that XXXX XXXX wasn't getting their payment from me. I have for the second time instead of an email, phone call, payment missed letter gotten a letter months later after multiple missed payments the first contact of any kind by XXXX XXXX in the form of an aggressive unethical notice from ALDOUS & ASSOCIATES law firm.

This appears to be highly irregular, and incredibly unethical bad business. I pay my all my bills on time. This is the wrong way to do business and CFPB needs to hold XXXXXXXX XXXX and other corporations accountable for their practices. Please help as I know this is likely happening to other customers that could be having a much worse outcome than me. 


The only thing I want is to make sure that this is never on my credit report and that this company be held to fix any reporting on my credit report for me as I have had this exact thing happen now for the second time. Businesses should be fined and regulated in this area. 

Hope you guys can help all those affected by these bad practices. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am XXXX XXXX I been a victim of retail consumer fraud since XXXX until XXXX which is now I have bank accounts open in my name XXXX XXXX XXXX XXXX  for 20 or more something years I received a letter from another consumer being notified the items was trying to be bought from my credit card accompany I immediately contacted the company they tell me that I have two accounts open one has been open since XXXX and one has been open since XXXX the company that was XXXX was XXXX XXXX second the XXXX XXXX XXXX company and they were very excited to tell me yes you have two accounts open with us and I'm not understanding how come I was never notified about these reports and who's the person that opened up these accounts at this time these accounts were open I was the age of XXXX XXXX XXXX so really came to my understanding of not knowing how without no identification or anything then I'm finding out being stopped by the police that I have a XXXX XXXX  driver 's license in my name which I've never had a XXXX XXXX license in my name so I was trying to find out how did all this stuff happen to me and why is it going on and as of now I'm still going through this it is very harmful I am going to XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspokenly I went to Social Security to switch my social they wouldn't do it for someone reason I had to go to court pay signs because of the XXXX XXXX  license trying to get my license I am very sick and tired and emotionally stressed I honestly want I feel like XXXX XXXX XXXX XXXX XXXX because my human rights has been took it I would like to be contacted about this I need some help I need help with this because it's still going on money has been still not of my accounts out of my work accounts I want to bring this to a notice to be seen and for people to be penalized for this for whomever I'm thinking this is not right I even saw the case with police courts the XXXX  and no one 's trying to help me out so now I'm following the case with you guys please contact me thank you I have much more to say just couldn't put every word and everything into it

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 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I am trying to sell a couch on XXXX XXXX XXXX  and I got scammed. The scammer convinced me that I needed to send {$300.00} to the Zelle agent in order to up my credit limit. 

I reluctantly did because this was my first time selling something on marketplace and the email looked like it came from a Zelle accredited email. 

This all happened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: MA

Complaint narrative:
Albert bank offered a new checking account bonus of {$500.00} for completing completing the following actions : * Direct Deposit $ XXXX every 30 days for 90 consecutive days * Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days Albert also offered a {$500.00} bonus for referring others to open an Albert account XXXX up to a maximum payout of {$1500.00}. On XX/XX/2022, Albert confirmed in writing that I had referred 5 people. 

Here is my timeline : * Opened account XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * Albert paid me {$500.00} for a referral on XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 At this point, according to their terms, I should have been paid a {$500.00} bonus for opening the account. Additionally, I should have received my remaining {$1000.00} for referring others to Albert. 

I have reached out to albert inquiring about the remaining bonus money. Albert told me they would look into it, then stopped responding. Additional attempts to inquire about the promised bonus resulted in no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: PA

Complaint narrative:
My personal information was exposed in several major data breaches, including XXXX and XXXX data breaches. There is a now an unverified, inaccurate and false collections debt listed on my three credit reports that does not belong to me. Bay Area Credit Services sent me a collections letter in early XX/XX/2022 regarding a {$320.00} debt with XXXX ( XXXX XXXX XXXX  ). Within 30 days, I immediately responded and wrote a letter to Bay Area Credit Services on XX/XX/2022, via certified mail with delivery confirmation, disputing the validity of this debt and demanding verification as required by law. Instead of complying with the Fair Credit Reporting Act and providing documentation as required, Bay Area Credit Services illegally reported the unverified and fraudulent account to the three credit bureaus without investigation or verification documents. I am demanding removal of all inaccurate information from my credit reports, specifically the unverified Bay Area Credit Services collection account in the amount of {$320.00}. As they are aware, I have filed a police report and identity theft report with the Federal Trade Commission and provided copies of the report to Bay Area Credit Service, XXXX, XXXX and XXXX. As required by law, the unverified and inaccurate account should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NV

Complaint narrative:
I filed for fraud when I realized my direct deposit was transfered in XXXX XXXX they don't have a direct customer service number or representative only a advocate online chat. I have had many other fraudulent purchases and transfers since and was not aware of them or contacted when it was noted. I triedcntacting cash app may times and got a lot of run around and waiting with no end resolution. Not once was I properly contacted by cash app and as my money has been in the hands of a FDIC insured company I feel as such standards should be used in accordance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NY

Complaint narrative:
TransUnion Credit Report Numbers # XXXX TransUnion refuses to take action in regards to Four fraudulent inquires made without my permissible purpose or authorization. 
-XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DATE XX/XX/2021

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 2022-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Ive contacted the credit bureaus to investigate and initiate the fraud alert on the scam thats under my name and the creditor seems to be ongoing about this situation.

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