vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
They are charging numerous cards I had used with them in the past on loans that have been paid off, they tried to debit my bank card 3 times this week on a loan that had already been paid off. They have been a complete nightmare. They told me they are having system errors. Most of the reps just cop an attitude with me. They are stealing from me. They just aren't doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: GA

Complaint narrative:
CLARK COUNTY COLLECTION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding c/o Resurgent Capital XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter on XX/XX/2024 stating my dispute was fraud, frivolous, or irrelevant. My XXXX  received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ).

I received an email from Experian not a letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 Why is the status of this claim closed??? 
There has been no resolution..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: MN

Complaint narrative:
I changed banks and needed to switch the account my autopay was coming out of starting after my payment due on XX/XX/year>. My servicer would not let me just switch my banking information, I had to set up a whole new auto pay request and cancel my old auto pay, which I did and was provided with email confirmation that it was set up. On XX/XX/XXXX, my next due date for payment, my payment was not withdrawn from the account, so I called my servicer and asked if my payment went through, they told me it can take up to 1 billing cycle for auto pay to work and that it was showing on their system as active. I disputed the interest being charged as I was entitled to the BIP discount of .25 % for having autopay, and the representative I spoke to stated he would note my dispute and that my payment was scheduled to come out XX/XX/year>. On XX/XX/year>, I again noticed my payment did not come out, I again called into the servicer who informed me that I was not set up for autopay and that there was some sort of glitch in their system. I was escalated up to a supervisor who informed me that my previous dispute was on their file, but was never looked into and that I would get confirmation of a resolution regarding my not getting my interest deduction promptly and that now my autopay is properly set up and would be backdated to XX/XX/year>. I then received a letter dated XX/XX/year> stating that my autopay did not properly go through, but their processing team as activated auto pay effective XX/XX/year>. I then received a letter dated XX/XX/year> stating I can not have the BIP reduction because autopay was reactivated XX/XX/year>, in direct contradiction to their previous letter stating it had been activated as of XX/XX/year>. I called my servicer regarding this, and after 30 minutes of back and forth, they refused to locate the letter they sent me and said all they could do was further research the issue, even though I have called in 3 times regarding this very issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a wrong account showing a late payment payment in my credit report. This is a mistake an i need proof for this account as true XXXX XXXX XXXX with a late paymentI formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: VA

Complaint narrative:
I have a few accounts on my report that arent mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XXXX through XXXX Chase has been paying a stranger 's home owner 's insurance policy from my escrow account. Due to this fraud, my mortgage payment has been going up significantly every year. State farm has been made aware and has reimbursed Chase {$9700.00} to cover the amount that was paid out of my escrow account. Chase received a payment of XXXX on XX/XX/XXXX and a payment of XXXX on XX/XX/XXXX from XXXX XXXX. As of today Chase is only willing to reimburse me {$5800.00} of the money that was stolen from me. Chase claims they have mailed a check for {$5800.00} but I have not received it yet. They are claiming escrow shortages that clearly are no fault of mine for the reduced amount. I have always paid my constantly increasing mortgage on time and I am completely appalled that Chase will not reimburse the full amount that was fraudulently taken from me considering XXXX XXXX acted properly and rectified the issue. I spoke to a supervisor today who insisted that I am not entitled to the full amount stolen from me and he refused to transfer me to a manager. The fact that Chase is completely aware of my victimization and still continues to act improperly is absolutely abhorrent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I tried to donate money to the XXXX campaigns of my friends in XXXX, XXXX. Because XXXX nor XXXX does not support Palestinians to create their own accounts and fundraising campaigns, they have to ask strangers living in the XXXX XXXX countries or one with citizenship in one such to set up fund transfers and fundraisers. 

I have tried several times to send money using my XXXX account to my friend XXXX campaign, XXXX puts security blocks each time with an alert message stating " Your donation wasnt successful. Please check your payment details or contact your bank. '' or of this nature. However, my bank as not applied any restriction, which is evident as I have not received an email/text/message through my online banking platform since the first incident of unsuccessful transaction. 

Furthermore, I have had my partner with a joint bank account with a XXXX account completed transaction to the same exact XXXX campaign of my friend in XXXX XXXX without an issue. 

I have attached screenshots of XXXX 's help center responses below as well as the alert that appear with unsuccessful transaction that appeared on the said XXXX campaign page. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I sent a Debt Validation letter on XX/XX/2024. They received the letter XX/XX/2024. They have not responded to the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NM

Complaint narrative:
This account is over XXXX yrs old. This account is not listed on XXXX or XXXX. I didn't approve for XXXX XXXX to sell my loan. Due to these violations, I will seek legal compensation in the amount of {$3000.00} per each violation. Remove this account XXXX Immediately and instruct XXXX XXXX to do the same

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We received a bill from Synchrony ( sams club  ) with the recurring yearly fee to be a member. We called and cancelled our membership and requested the yearly fee waived on XXXX XXXX. We received correspondence stating that the fee was still outstanding about a week later. I again called Synchrony and requested this fee waived. Again we received correspondence via mail or a robo call stating the fee was still pending. Numerous calls were made and each call we were assured the fee would be waved. Each time I requested a letter stating that the fee was waived. On XX/XX/2024 we received a letter stating that we had a XXXX balance. Again after receiving the letter, calls and letters still arrived. XXXX calls were made dealing with this matter and still no result. This is terrible customer service and no consumer should have to endure this type of harassment, especially when we have called numerous times to correct situation. Finally after receiving a call pertaining to to this fee, we called for the XXXX  time. This time we asked for supervisor on XXXX. Supposedly they a correcting this charged fee. Still do not know the outcome yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I used XXXX to get a number for XXXX customers support. When I called the number the representative identified him self as an XXXX customer service agent. He said there were some fraudulent activity on my account and we would need to reverse the payments. In order to get started with the process he asked that I download an app ( XXXX XXXX ) that would allow him to share my screen. From there he asked to initiate a test transfer by sending a certain amount to someone I trust and then have them send it back to my via XXXX XXXX. Afterwards he deleted all of my accounts from XXXX XXXX and added his card on stipulating that it was to cover the {$75.00} charge for the money going back into my bank accounts. The money was not returned to my account and he is asking that I call my bank to raise t my transaction limit. I immediately disconnected the call and called my bank. No one is able to track this transaction because he deleted his card from the XXXX XXXX account once the funds were transfered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/2022 My cousin called me and requested {$300.00} to help with his car on cashapp. He and I both verified the Cash app username and his profile picture was on the account when i sent the money. However we later found out he never received the money and when i reopened the cashapp App the profile picture had changed and my money could not be refunded. On XX/XX/XXXX I messaged Cashapp because this was a software glitch and they told me the only way I could get my money back was to get it refunded from the person that received it. However the person that received it is a complete stranger and did not refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: ID

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulant accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 SIction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On or about XX/XX/2023, I received an email regarding overdraft. I gave the Merchant my card only for a deposit for {$50.00} and after I return the car I suppose to have the {$50.00} returned which the car is returned. I filed a dispute and PNC took {$50.00} from my account and never return it back to me. In addition, car fees that I did not owe to XXXX because {$320.00} was a rental due to no fault accident. 

In addition, I closed my checking and savings account and had {$3.00} I did not receive any funds by PNC bank. Also I did not receive {$.00} that was left in my savings account.

Company response to consumer: Closed with explanation