vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
New York and Company Comeity Bank stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX points was deducted on XX/XX/2023. According to Nelnet, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TFC Credit Corporation of California
State: SC

Complaint narrative:
This is not a loan although they call it that. I never received any money. TFC collects tuition installment payments for education providers. 

In my case, in XX/XX/ 2022 I contracted with XXXX XXXX XXXX, the sole proprietor of a business that provided specific vocational training in a four-month program, to pay her installment amounts for the program which was to begin on XX/XX/, 2022. Unfortunately, she died unexpectedly on XX/XX/, 2022, before the program began. It was announced by her husband on the program 's XXXX group and that he had immediately closed her school. 

Her death nullified the contract not only with me but with TFC, a fact about which they are puzzlingly indifferent. They did not know she had died and instead of using their contact information for her to find out if she was deceased wanted me to provide a death certificate. I do not have legal standing in Georgia to request her death certificate. That is reserved for family members and family attorneys. I sent screenshots of her obituary and the husband 's XXXX postings. In any event, the burden of proof is not on me. I and the other XXXX  have sustained the damages in this case yet TFC continues to attempt to collect tuition payments for classes I never received. They even phoned in violation of federal law after I requested all communication to be in writing for legal reasons. 

Fearing for my credit rating, in the months after the death I made payments assuming the husband would rectify and settle with the XXXX XXXXeft in the lurch. He never did. 

I had the barest of contact with XXXX XXXX XXXX before her death. This was a very brief business relationship. I am trying to find contact information for her husband to go to small claims court to recoup my money. I am the one who is owed money in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Back on XX/XX/XXXX, I was all of a sudden unable to transfer the funds I received via paypal, to my bank account or debit card. I never had an issue in doing so previous to this time. I contacted Paypal immediately and they stated that they fixed the issue and to give it up to 48 hrs to correct on my online account. I attempted again a week later to transfer the funds and received the same error message. Contacted Paypal again and after being transferred several times I was told to submit proof of identity which I did. Still no access to my money. I have since called countless times and have been on hold for hours upon hours, and still have yet to access my money. As I am typing this i am currently on hold after calling and asking for a supervisor, for now 1 hour and 36 minutes! I have over {$1300.00} being basically held hostage in my paypal account and the company has been no help and now will not even answer my calls! I need help in getting MY MONEY as I have been trying and trying for 7 months to do so, as it is now XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I asked for them to stop sending me things and to remove the debt off of my credit report because one the debt is over 20 years old and they are reporting it as a new account and two I do not have knowledge of the debt. They in turn continue to call me all the time email me as well as send several notices in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX stating I owe this debit. I have filed report after report that this is not mine and I know around the tine when the account was opened my identity was stolen. I had my wallet stolen and drivers license and ss card was all in my wallet. I had a car bought during that time and now a account opened. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened my Truist Checking account on XX/XX/XXXX And I ACH push two transactions into the account, and that's all the activity of this account. 
Then days later, I noticed I had no permission to log in to my account I try to contact Truist Customer Services, Fraud Department, and several Truist branches. All of them said I must walk into a branch to unlock my account or close my account And the nearest branch is 70 miles away from my current address.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE SENT LETTERS REQUESTING AN INVESTIGATION. I HAVE NOT RECEIVED ANY CORRESPONDENCE FROM TRANSUNION AND I HAVE NOT RECEIVED AN UPDATED 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 non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
My mortgage was just taken over by Flagstar from XXXX mortgage. I finally was able to log in and try to get it set up today. My payment was due XX/XX/XXXX with them following their take over from XXXX. I did not receive an email from Flagstar until XX/XX/XXXX which was after the due date for the payment. Today I logged in and provided my checking account information and made the payment. They would not allow me to set up my auto draft because it was after XX/XX/XXXX. I did not ever have my loan number from them to make a payment on time. They waived the late fee which is seems they were required to do for 60 days. My issue is why can I not set up auto payment? I have to wait and do it after they process my payment they tell me. I had no say in this transfer process but I can not set up auto pay so I can ensure I make my payments timely. I have all of my bills on auto pay so I never miss a payment and do not have to worry about it. Given I can not set this up I'm likely to forget and then I will get a late fee. XXXX did the same thing to me and it should not be allowed. There is no reason I can not set up auto payment given I have logged in and made the payment and provided the routing number and account number so I can ensure I meet my obligations. It feels like they do this to increase the chances they can charge a late fee to consumers by preventing them from easily setting up auto pay.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX points was deducted on XX/XX/2023. According to XXXX, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX points was deducted on XX/XX/2023. According to XXXX, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: IN

Complaint narrative:
I was notified ( XX/XX/2023 ) by my bank 's credit monitoring service that a new account had been added, and my wife also received a similar notification from her bank. I ( we ) did not open an account, so I contacted Experian to determine what had occurred. I ( we ) also contacted the " merchant '' ( XXXX ) to determine what was opened, and how it occurred. I was told by the merchant that they had no record of myself on any new account, but we found that an account had in fact been opened under my wife 's name. In discussions with Experian over the course of a few days, it was determined that I had been listed as an authorized user on this fraudulent account, and Experian instructed me to fill out an FTC dispute and submit it to them as well so it could be added to their file regarding my dispute. Which is what I am now trying to accomplish here.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Amazon store card, asked if I would like to enroll in an assistance program. Simply stated that I would pay a reduced monthly fee, did not make it clear that this would be a settlement, would close the account, negativity affect my credit score, etc. Tried to see if account could be reopened ( it has been closed less than a week ) and payed off, they said it was not an option and that this was permanent and that it was clearly disclosed to me ( it was not ). They were very misleading about the consequences and simply made it seem as if they were offering reduced monthly payments.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  withdrew {$6000.00} from my account because of a recurring payment I had setup with a Barclay card.

The problem is that the Barclay card was closed months ago and I forgot to close the account. 
XXXX XXXX XXXX  still processed the payment on XX/XX/XXXX. 
I realized the problem happened in XXXX and gave a call to Barclay and they informed me that the return was submitted. 2 months have passed and I have not received my money back. 
I have called both banks and neither bank can figure out where my money went. 

I am looking to see if you can provided me with information on how to handle this problem.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Auto Financing is still sending me monthly bills after debt has been paid in full, i would like for mail harassment to stop and to correctly report it as account closed and paid in full with a paid to delete order mailed to the address on file. I entered a consumer credit transaction with them on XX/XX/21 and paid in full on XXXX XXXX i would like to receive my monetary compensation mailed to the address on file. Please see attachments for further clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an email from Chase inviting me to upgrade from the explorer card to the quest card. 
The offer included a XXXX mile bonus after {$4000.00} was spent in the first 3 months. 
The offer clearly states this card product is available to you if you do not have this card and have not received a new card member bonus for this card in the past 24 months. 
I upgraded my card based on this offer. Once again, this offer was sent to me. I didnt request it. 
After the 3 month period and spending far in excess of the {$4000.00} I called customer service to inquire about the bonus miles that has not been added to my account. The representative informed me that because it was an upgrade and not a new application, I was not eligible for the bonus. I then requested to be transferred to a supervisor. The supervisor heard my complaint and agreed that I had a valid issue with the offer. She then assured me that I would receive an email within several days addressing the issue. 
Having not received an email, I once again reached out to customer service. This time I spoke with a gentleman who described himself as the most senior person that I could speak with. In spite of him agreeing that I was clearly qualified for the bonus based on the details in the offer I had received, I was not eligible because of the upgrade as opposed to applying for the card. 
I am sure that every other Chase explorer card holder who received the upgrade offer has been denied the bonus miles. 
The supervisor also stated that there was no one in a more superior position that I could address my concerns to. 
I am bringing this complaint to you because of the blatant and misleading advertising enticing the consumer to upgrade to a much more expensive card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Complaint # 1 - I started contacting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXX XXXX  predatory loan service practices.

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