vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
In XXXX, during a period of personal hardship, I had a credit card debt with XXXX XXXX that I had stopped paying on. The amount was approximately {$6300.00}. In the following years I received voicemails and mailed letters from the debt collector Buckles & Buckles trying to receive payment on the debt. They continued to add fees until they claimed the amount totaled {$19000.00}. In XX/XX/XXXX I received a notice that a court judgement, with no previous notification, was made against me and 25 % of my wages would be garnished. As of XX/XX/XXXX, {$7800.00} has been garnished from my wages. I have sought legal counsel and was told that this was an illegal judgement, and I was directed towards submitting a complaint with this bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day! I need to file a complaint to Paypal for limiting my account without any reason at all. I already submitted all my personal and private documents to them to help me resolve the account limitation issue but still they permanently banned my account which I do have substantial amount of money from their balance. I tried to withdraw my balance recently with all the necessary documents they ask but still they hold my money and refuse to let me withdraw my remaining money from my account. It is been affecting my every living since I have a lot of dues to pay and kids to feed on that money what paypal holds. I am not sure if they are mistaken me from someone else on my account but I'm sure they are. All I am asking is for them to let me have my money withdrawn from them and let them do their job properly. My XXXX account linked to Paypal is XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/22 I spoke with XXXX XXXX about a vacation package timeshare. At that time I agreed to run my credit to see if I was approved for a funds for a deposit on the vacation package. I wanted to take the entire contract to my room and read it. After doing so, I decided I did not wish to purchase any package or timeshare. I have a signed statement from the merchant stating that the deposits previously discussed on XX/XX/22 would be refunded within 15 days. This was not done. I have disputed the charges with my XXXX XXXX. However the Barclays card which is the line of credit XXXX ran will not allow me to file a dispute. They have been stating their system is down for three days, I received no services. I do not owe them money. I also did not want to open this line of credit. Barclays is not cooperating with me. I have also reached out to my contact at XXXX XXXX with no response.

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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Dispute letter and debt validation letter was sent to the company First federal credit corporation no response I even had it escalated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I had used my spouse bank card ending in XXXX of {$160.00} with the conformation # XXXX I went online to pay the {$160.00} and it gave me a conformation # and when i check it again it had a balance of {$200.00} so when the XX/XX/2022 came I pay the other half of that {$200.00} with my card ending in XXXX along with the conformation # XXXX, and the only reason why I used my spouse bank card is because I had a bad cold and my purse was in the trunk of my car I been fussing with Westlake financial services about this for 3 and half weeks and they think I am lying about this which I am not because they did this to me the first time and I believe that this company is stealing people money because I seen the reviews and when I pay the {$160.00} they gave me an conformation number and I am on the phone with them now and they giving me the run around and trying to keep on lying about it and the customers are always right I have evidence stating that I pay of {$160.00} and the conformation # for that and the conformation # for the {$200.00} and they have me on hold and haven't came back to the phone yet I don't know if their doing fraud things on my account or some else.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Upgrade credit line company took an extra {$2900.00} from my account over three weeks ago and refuse to refund the money. My account is paid in full, and this is a double payment which should not have occurred. 

When I call and speak to customer service, including a supervisor, they refuse to give me any information and keep saying its a process. After multiple attempts to get a resolution, they still have not refunded my money, and they keep saying they are waiting for management approval, which never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX and XXXX  ; XXXX XXXX  and most importantly XXXX. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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: 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was violently carjacked in DC and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with Cross Country after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXX, female combat veteran and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact Veteran Affairs, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank, which has now changed its name, delays the processing of payments to generate finance charges and penalties. 
This bank is now adding finance charges of {$110.00} on a XXXX dollar balance.

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 — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and XXXX even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX XXXX XXXX XXXX format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get it .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ Ross associates is paid and is still reporting to my account. This has legitimately paid and it is hindering me purchasing my home. The amounts are {$310.00}, {$230.00}, and {$180.00}.

Company public response: Company disputes the facts presented in the complaint
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 enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Debt validation letter was send and dispute letter was sent numerous of times and no responses were made to the company

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've attempted to submit disputes through the mail for several different accounts that don't and never have belonged to me. There are fraudulent accounts from Credit cards to Auto loans that I never applied for. 
I've been trying to get these fraudulent accounts off my credit reports and off the original creditors for years now and they still appear. 
i need my name and credit restored to the accurate status immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
When i signed up for synchrony banks loans i opted in for their loss of employment insurance. 

Then covid happened and america was declared under a state of national emergency and businesses were shut down! I lost my job. 

I spoke with a nasty rude agent at synchrony bank and told them about my job loss due to covid. The female rep at synchrony bank said you just took out these loans and coincidentally lost your job how convenient and refused to honor the loss of employment insurance i paid for! 

I will not pay a dime! They need to honor the insurance i paid for and cover these losses which is protected under federal law due to covid and the insurance i paid for! 

If synchrony bank continues to refuse and continue this financial fraud i will have our family attorney XXXX XXXX file civil suit for the total amount on all 3 loans in addition to financial hardship caused by their fraudulent reporting on my credit report! 

I went from a XXXX credit score to under XXXX This financial scam is fraud and is a felony! 

Remove these charges from my credit report immediately settle this case positively or face civil suit in XXXX XXXX tn!

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: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
A tax warrant was issued against me for a tax debt owed to the Indiana Department of Revenue. The debt was sent to collections, and I paid the debt on XX/XX/2022 for the total amount owed of {$65.00}. I have since then received numerous calls and letters from United Collection Bureau for attempts to collect the debt, despite me telling them and providing them with proof ( confirmation page from their payment portal, bank statement of funds transmitted ) that I paid the debt. They still insist on calling me and saying that despite me showing proof, their end isnt showing that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a house in XX/XX/XXXX with HUD loan from XXXX XXXX XXXX The maturation date of this loan is XX/XX/XXXX. 
Loan # XXXX The loan is now with CHASE bank. I have consulted with the branch in regards to documents pertaining to loan. They responded with a letter stating they did not hold records past XXXX years. 
In the past XXXX  years, I have made additional payments to the loan that have been classified as unapplied. These unapplied payments are added to the principal, then I am given a misapplication reversal which subtracts them form my principal. So basically I do not get credit for my additional payments. Ex. At the origination date of the loan, I was scheduled for XXXX payments of XXXX. Two payments were made every month the first year of the loan. This was not reflected in any change in principal amount nor change the second years payment amount. I also spend hours at the bank correcting the errors made to additional payments that were unapplied another instance I made a double payment to the mortgage and only one of the payments was applied. I believe my loan has been already paid in full and I would like the CFPB to help me count and review all the UNAPPLIED payments Ive made to close this loan as paid in full. 
XXXX  states that I may request this information regarding the entire length of my loan. I need the CFPB to help me obtain information pertaining to my loan 1. Annual tax and interest statement XXXX 2. A disclosure statement that includes amount of loan, the annual percentage rate ( APR ), finance charges ( including application fees, late charges, prepayment penalties ), a payment schedule and the total repayment amount over the lifetime of the loan. 
3. Any documents pertaining to prepaid funds.

4. Any other documents relevant and pertains to loan Thank you XXXX XXXX XXXX maiden name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX my phone and debit card was used to fraudently cash XXXX money order. Ive been the victim of identity theft and its an ongoing issue and investigation I am working with law enforcement to stop this stuff from happening. But my phone was used to cash XXXX false money order and now my account was debited that money because the bank denied the money order. I didnt have anything to do with any of this but I lost XXXX $ because of it I filed police report Acct number 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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my second time filing a complaint about my credit report. I keep having recurring inquiries appear that i have no knowledge of. The inquiries and/or negative accounts are continuing to affect my credit report.

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