vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
My daughter took out a loan with this company and I was the cosigner on the loan. My daughter set up pymts to be taken out weekly from bank. They stopped taking pymts. I tried to send a check but the check was sent back. Their excuse is the loan is ahead so therefore no more pymts will be taken out. Now the loan is back up to over a XXXX. I want the loan paid off so we can move on with life. They are waiting for it to accrue more interest before they accept any more payments. That is unfair to allow the loan to continue to rise and we aren't allowed to pay it down. SCAM FOR MORE MONEY IN INTEREST. They will not answer the phone or email. They keep saying you can make extra payments but it will be sent back. No wire transfers, bank checks or anything. They will text back with ahead of payment schedule so no pymts will be taken out. No one will get in contact with us .We need help with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A purchase was made on the card, and the item was returned. XXXX did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.

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 2023-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
I received a letter in the mail dated XX/XX/XXXX that shows a debt collection and then noticed a remark and changes to my credit report via XXXX XXXX on XX/XX/XXXX. The debt collection is from Southwest Recovery Services. I called the company on XX/XX/XXXX at XXXX. A man answered who was very rude and informed me that this is a debt collector for XXXX XXXX and informed me that there is a lot of damage to a property that " I '' rented in Minnesota. The man sent me an email with all of the tenant information and pictures of the property damage. The person used my name XXXX XXXX ( maiden last name ), along with my date of birth and social security number. I then called XXXX XXXX at XXXX and spoke to XXXX XXXX ( director of sales management ). She informed me that this person rented this property from XX/XX/XXXX until XX/XX/XXXX and left willingly without being evicted. The debt is for {$8500.00}. Southwest Recovery Services Account # : XXXX, Client # : XXXX. 
This now is on my credit report and has brought my overall credit down drastically. 
I did not rent this property as I live in New Jersey and own a home here with my family. 
I went to the XXXX XXXX Police Department ( in New Jersey ) on XX/XX/XXXX and filed a police report with all of this information provided. This person is also driving with a Minnesota drivers license with my name on it. 
I was informed today ( XX/XX/XXXX ) by the same gentleman at Southwest Recovery Services that I would need to go to ftc.gov and obtain an ID Theft Affidavit and sent that to the credit bureau in order for this to be removed from 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
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received repeated emails from companies called XXXX XXXX XXXX XXXX . I do not know who these companies are and I do not have an agreement/contract with them. 

Per the 15 USC 1692g validation of debts. I do not recognize how these accounts are reporting on my credit report. 

I do not recognize the account numbers, I do not recognize the account status, I do not recognize the account high balance, nor do I recognize the late payments associated with them. Everything reported here does not meet the FCRA.

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 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Repeated from calls from MRS , Midland Recovery Services. Ive told them to stop calling and mailed a cease and desist letter. Still receiving numerous calls per day from various phone numbers and people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
When I made a complaint ( id : XXXX ) on CFPB regarding unauthorized hard inquiry to XXXX. In response XXXX said, " CITIZENS BANK INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. '' -- - I cooperated with Citizens Bank. Communication started from XX/XX/2023 till XX/XX/2023. 
On XX/XX/2023 | talking to ( XXXX ) XXXX | at XXXXXXXX XXXX | for XXXX XXXX, the representative on phone call upon communicating with Citizens Bank backend team denies to remove it. He says I can't record his denial on phone, he will not email/mail in written the reason behind their denial to remove the unauthorized hard inquiry. When I asked what is the reason all he said was, " I am sorry I don't know. '' I have already provided information and requested documents to XXXX on Thu, XX/XX/XXXX, XXXX from XXXX. 

What else can I do to get this unauthorized thing removed from my credit report? 
-- - Previous CFPB Complaint ID : XXXX XXXX Dispute ID : XXXX Citizens Bank Case Number : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have fraud alerts on all three credit bureaus when credit is applied for I am to be called. These injuries are be made through the fraud alert and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have fraud alerts on all three credit bureaus when credit is applied for I am to be called. These injuries are be made through the fraud alert and block.

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 2023-11-30 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: FL

Complaint narrative:
I did not authorize or consent Transunion or any other reporting agency to the following inquiries to be furnished on my credit report. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
The company is trying to collect on a cancelled debt that has been a charge-off constitutes TAX FRAUD and the matter will be reported to the IRS! I will be filling IRS Form 3949-A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I made a transfer of XXXX XXXX XXXXXXXX the XX/XX/23 to an account of Wise in the XXXX using my premier account of HSBC. After ten days that the recipient did not receive the money and his bank confirmed him that the money was sent back to HSBC because they changed the account details I contacted my bank. I have already contacted them several times and they said they are investigating the issue but do not give me the money back nor does the recipient receive it. 
I asked the bank to give me back the money or send it to the recipient and close my account but they refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
No company involved - money transferred to an imposter. 

Please refer to CFPB XXXX XXXXXXXX previously closed. 

Wish to reopen due to change in changes in XXXX XXXX guidelines. 

Truist Case XXXX My original complaint was disallowed because the transaction was " authorized ''. Due to changes in XXXXXXXX XXXX guidelines, authorized transactions are now refunded if the transaction was an imposter scam which mine was. 

I sent a letter to Truist to reopen my closed case on XX/XX/2023, but Truist has not responded.

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 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I first had an issue with the engine light that appeared soon after the purchase of the vehicle in XX/XX/XXXX I also had an issue with getting title information so that I could get a plate and was told that it was being taken care of and I was issued another temporary tag in XX/XX/XXXX and found afterwards in the month of XXXX that the offices were closed because the company declared bankruptcy so I couldnt get my tag for my vehicle and found out that they never sent the title information to the bureau in Tennessee and just recently in addition to the issue with the engine light, on our way home from our XXXX holiday in XX/XX/XXXX our vehicles engine blew up which is related to a pre existing problem an oil leak that our mechanic told me was there had we known we wouldnt have purchased the vehicle so now we are stuck with a loan that which the sticker price was marked up from XXXX to XXXX. This is definitely predatory lending at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: 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: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I received a VISA gift card that I used in XX/XX/2023. The card was then stored away until XX/XX/2023 when I attempted to use it again. The card was used then next day from the date of my original transaction. The vendor is listed in Illinois as possibly a XXXX XXXX XXXX. I advised the card administrators ( Blackhawk network ) and received minimal information on who actually charged the card. They provided very little support to allow me or themselves to inquire with the vendor directly regarding this charge. 

I contacted the Attorney General 's office for my State. Neither their support office handling my complaint or I received any response to their inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My husband has visited the Citizens Bank located at XXXX XXXX XXXX XXXX NY XXXX and each time he visit hes meet with discrimination and differential treatment because of his skin color! My husband has his own accounts with Citizens Bank and he has been banking with them for over 18 years. I sent my husband to cash a check that I wrote to him from my account to pay the contractors working on our home and each and every time hes visited the branch hes told he cant cash the check without coming into the branch. Whenever I go to the branch to cash a check through drive thru I have no issues. I spoke to the manager XXXX and banker XXXX XXXX today and they both told me the tellers are allowed to pick and choose what checks they will cash and what amounts as long as its under XXXX. The Manager XXXX said it depends on the tellers mood. I explain that Ive cashed checks for same dollar amount through drive thru and never had issues. When my husband visits other citizens banks hes not meet with any nonsense or discrimination. The checks I write are personal from checking and has the same last name on the checks not to mentioned mt husband is a client he has his own accounts with Citizens Bank. Ive witness other people cash checks for similar amounts Ive written and they never seem to have a problem in drive thru at the XXXX location. The difference between them and my husband is skin color! That is clear! You cant say mood of tellers because there is no interaction face to face. Their clearly judging the same check written by me and comparing it to the driver license in front of them. How does that constitute as a mood. They could check my account and see that Ive written checks before to the person cashing which would also show a pattern. Therefore using fraud or suspicion is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am currently unable to transfer points to any transfer partners through capital one. I have noticed this issue around XXXX XXXX. I have about XXXX miles in the account that can not be transferred to transfer partners. This seems to be an issue with capital ones 2-factor verification. I can get into the account with XXXX authentication through text and I am even offered a call option or verification thought capital one. I can complete this, get a code, and plug it in. Once in my account on XXXX, I navigate to convert rewards. This opens up another verification page, prompting me to use a text code as my only option. When I click send code I am treated with a message that says, we are unable to verify this number, please use a different method which takes me back to the previous screen with only one method listed - text. I am also getting a pop-up that says this phone number is not a saved contact point. 

Some important details to note : I have been a capital one cardholder for about 5 years and have never had this issue before. My phone number and plan have stayed the same. 

I have called all week and no resolution other than 'we are working on it '. They assured me this was not an issue with my device but something across the board. No timeframe for resolution is given. This issue has been going on for almost an entire month. All of my information is the same and I have been left with the advice to " check back in 1-2months ''. I have been beyond frustrated with this issue as I have missed two award flight bookings because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
After several attempts to dispute the debt via XXXX, XXXX, and XXXX sending the letter I sent to " Resurgent '' Current Owner LVNV Funding LLC and the Original Creditor XXXX. Reference ID : XXXX I received a letter stating that the debt was " valid '' I had not received any of the requested documents, just a letter saying " It's a valid debt ''. 
On XX/XX/2023 I received a letter from Resurgent stating that they needed a copy of the police report attached which was sent to they and the three bureaus. Additionally, I sent over copies of my bills, I sent copies of the police report and yet they have refused to acknowledge or delete this erroneous debt. 
I have been requesting documents since XXXX XXXX 15 U.S. Code 1692g - Validation of debts protects my rights as a consumer and requires they provide substantive proof that this is my debt. There has been willful negligence of their duty as outlined in section 5 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
If necessary, I am willing and ready for all FCRA violations will be heard in federal court. As a former attorney, I am well aware of my rights and the requirements of the bureau to accurately report. We are over 200 days since I've been given substantive proof this debt belongs to me ( which it does not ) which is well past the 30 day mark

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Check XXXX : XX/XX/2013. 
Deposit of a {$3400.00} check from XXXX XXXX XXXX, issued by XXXX XXXX. 

Bank of America placed a hold on the entire check amount. The provided reason was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My subsequent inquiries to the bank were met with a response that the process is automated and can not be manually overridden. 

This is a deviation from my usual experiences with Bank of America, where at least a portion of the funds from similar checks was made available promptly. The hold has resulted in severe financial distress, leaving me without funds for basic necessities. I am now unable to pay my rent and am forced to rely on a food bank for sustenance.

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 monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
Overall, my student loans are more than my home. They say that I owe {$180000.00} + with my monthly payments being more than {$2000.00}. My monthly income is only {$3000.00}. There is no way that I can afford that monthly payment. I've been at my job for 23 years and have my income will NEVER increase to the amount to where I can afford to pay {$2000.00} + a month. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I gain a free copy of my credit report from XXXX and I noticed that my XXXX XXXX account is reporting my account as closed. 

I would not have known my account with XXXX was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from XXXX XXXX upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has XXXX informed me that they would be reporting my account as closed when I have just had their card for one year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with XXXX  in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see XXXX reopen my account and update this status on my credit report.

Company response to consumer: Closed with non-monetary relief