vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX, I was issued this card two years ago. I am in college currently pursuing my XXXX XXXX. A year and a half ago i ran into some issues on making payments, i have contacted the company to resolve some issues with payments and they refused to assist. I am writing this report to tell my story about how i was treated by multiple agents at capital one. I have been a loyal customer since the card was issued. I am disgusted by the way capital one handled the situation. No negotiations was made including lowering fees, lower interest rate, lower monthly payments or postpone payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Spent over {$3000.00} in first three months after opening Well Fargo/Choice Privileges credit card. Had not had a card in many years. So qualified for XXXX choice privileges bonus points. Called to ask what is going on was told all is good wait till next billing cycle. Told that over and over for 3 months then the credit card rep put problem on choice. Of interest is there is no credit card statement in my account for the month points were said to be coming. I had XXXX balance but got statement for following month with XXXX balance. I have many hours of frustration going through the same thing over and over. Reps trained to start at beginning each time and then end at same place. rest assure all is well and it never is and never will be addressed so I am seeking help.

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 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank has repeatedly called me from over 200 different phone numbers. They will threaten me in voicemails, they will call 10+ times a day and I asked them to stop. Ive resorted to blocking all phone numbers but they change it and call 10 more times. They even XXXX searched me and started harassing estranged family members or people I havent talked to in 20+ years. Its non stop harassment. 
Ive attached proof of all the phone numbers and times they call daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My ex girl friend used XXXX to send money to my chase account and than to her XXXX XXXX account - its a clear money trail but chase refuses to assist properly and told me to contact XXXX - I contact XXXX and they tell me to contact my bank. And now shes using my account to pay her rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs. 
The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX  The other banks CDs were redeemed at the end of XXXX. 
XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail. 
I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries. 
Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be? 
This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
I have inquiries on my credit report that are false and did not come from me. I have inquiries from the following that I did not inquire about : 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 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

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 2023-11-29 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: SameDay Auto Finance, LLC
State: TX

Complaint narrative:
This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. Same Day Auto has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account SAMEDAY AUTO XXXX. I initially sent a dispute letter XX/XX/ detailing the inaccuracy and unethical practices of your company and you failed to acknowledge my dispute. Last month I submitted a cfpb complaint XXXX, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter, which is dated, and time stamped, my 3-bureau credit report which shows the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: IL

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I called on XX/XX/2023 to update my mailing address and the customer service representative was rude to me and did change my mailing address but continue with that attitude wich I complained about it. Three days later on XX/XX/2023 after I open the Affirm app and notice my credit history disappeared from my account along with my purchasing power that was {$800.00} just before talking to that person and a credit denial message for a credit request I never made. 
Looks like someone or somehow deleted my credit history from my account. 
After that I called several times and chat various occasions trying to get my credit history back with no results, I can't request any credit because I will be denied for the lack of credit history as it did happened since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .

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 2023-11-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
To : Carrington Mortgage Dispute Department Date : XX/XX/2023 Fax : XXXX Subject : Written request to remove non-payment reporting to credit agencies From : XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX Loan Number : Removed Dear Carrington Mortgage Dispute Department : It recently came to my attention that my escrow account was continuing to be below funding as of XX/XX/2023. I was not aware of this, and I continued to make my {$3200.00} mortgage payment as I have over the years ( never late for 6 years ). I received notice that my payment was delinquent for the month of XX/XX/2023, which I paid on XX/XX/XXXX. I was then informed by my credit monitoring system that there was a delinquency reported. 

The reason this happened was that my mortgage payment had gone up by approximately {$44.00} per month which I just learned by calling your customer service. I have since paid any outstanding balance of approximately {$85.00} and would appreciate it if you would remove this notice of non-payment to the credit reporting agencies. This has significantly impacted my credit rating and was not intentional on my part. 
Please feel free to call me at XXXX or email me at XXXX. I am happy to discuss this in person. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
Requested refund of overpayments for : Loan XXXX Direct Loan Subsidized. Overpayment of {$520.00}. Still shows negative balance, Treasury has recevied no request to refund. 

Loan XXXX Direct Loan Unsubsidized. Overpayment of {$410.00}. Still shows negavtive balance, Treasury has received no request to refund. 

Demanding refund of overpayments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I received a call from XXXX XXXX from Huntingtons foreclosure department who asked me to submit a payment of XXXX dollars. Originally, I was asked for payment of XXXX. I sent him proof that I could pay. But, he increased the amount required to stop the foreclosure of my home up to XXXX. When I spoke to a different representative he also told me the ammout desired is XXXX instead of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Ok, I will cover my complaint one last time. Reg E requires pre authorization for ACH payments yes. However, your representatives told me I could not set up a payment arrangement WITHOUT setting up a RECURRING Pre Authorized ACH. Herein lies the problem as your representatives and your business practices are as such that consumers are required to void their rights in order to make payments under a payment arrangement on any debt your company has purchased. This behavior is a clear violation of Reg E and a business practice issue for your company to require representatives to FORCE by threatening litigation/REQUIRE consumers to set up a Recurring Pre Authorized ACH. As far as the other stuff in your complaint validation of debt and/or your right to pursue litigation was never a question. You are only attempting to deflect from the problem. The problem is your business practices that violate a consumers rights. Further your violation of Reg E, as you do not have the right to force via the use of litigation a consumer to grant you recurring pre authorization of payments. I recommend you correct this before someone else does.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I never filled out an application or spoke with anyone at CareCredit. I still haven't ever talked to them. The application was filled out in my doctor 's office and was handed to me to sign after the procedures had begun. I was never given an advanced warning in writing or verbally about what the total costs of my procedures would be. When I received the first bill it was for the sum of {$13000.00}. I was told I was approved for the loan amount by someone in my doctor 's office. I am struggling to make the minimum monthly payment of {$400.00} as my sole source of income is my monthly social security check. I feel that at the age of XXXX, I was taken advantage of not only by Care Credit but also by my doctor 's employees and the doctor himself. I also feel that the procedures that were charged were not proven to work nor have they worked for me. I have made payments with borrowed money so as not to ruin my credit. I never received a breakdown from the doctor 's office in advance or after the procedures were done.

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 2023-11-29 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I called Workout Anytime to cancel my membership, I paid all off my fees that were owed per the customer service rep. Then I got a phone call from a collection agency stating they were trying to collect a debt from XXXX XXXX. I called XXXX XXXX and asked what was going on and thy said that fee was a cancellation fee. I asked why didn't they tell me about this fee at the time of cancellation. She said she wasn't sure why I wasn't told about the fee. I paid the debt off with XXXX XXXX about 5 months ago but the debt collection agency is still reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
MY DISPUTE IS WITH ( XXXX XXXX XXXX ) CREDIT CARD COMPANY, ( COMENITY CAPITAL BANK ) AT XXXX XXXX XXXX XXXX, OH XXXX ON MY XX/XX/XXXX BILLING STATEMENT IT SHOWED- PREVIOUS BAL.+ XXXX PAYMTS XXXX other credits XXXX purchases XXXX other debts XXXX fees charged XXXX interest charge XXXX new balance XXXX On XX/XX/XXXX or XX/XX/XXXX I paid this balance in full XXXX It shows in this XX/XX/XXXX month statement I am already paying a accrued interest fee of XXXX So when I paid off the amount in my XX/XX/XXXX statement of XXXX before the actual due date ( XX/XX/XXXX ) I do not expect any additional cost... but because of this misrepresentation my account was charged additional XXXX which then was reported late on my credit report as XXXX LATE PYMTS!!! 
I have ( XXXX ) late charges in the last XXXX yrs,, This XXXX charge has disrupt my diligent efforts to keep my credit in good standing... 
My QUEST is to have these late payment removed from my credit report, I feel rightfully to do so The closing date for this billing was XX/XX/XXXX payment was made in in full in less than 25 days,, actually was 12 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Ive noticed accounts on my consumer report as I was looking to purchase a home, Ive noticed so many fraudulent accounts that arent mine. 

Please if you can assist me on removing this inaccurate information from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
The Date of Last Activity is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
They call just about every day or every other day. When I answer, it's a bot instead of a person. They request that you call back a different number that they call you from if you want to speak to a human. Once you do get a hold of a person, they are rude and very short with you. I've requested multiple times that they send a debt validation letter but they have yet to send it out. I've requested that they stop calling me until they send a letter and yet they still send automated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation