vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I went to play XXXX on XXXX. We went to the counter, and purchased 2 packages to play. We were told that we had to do this as 2 transactions as each player needed their own receipt. We were ( appropriately ) charged for the cards and the XXXX. Several days later, we see on our credit card statement that we were also charged a {$20.00}, or {$10.00} per transaction ( greater than 30 % of our purchase ) as a " cash advance fee '' even though we never received any cash. There was no discussion/notification/prompt provided that this was a cash advance or anything different than a charge in exchange for goods. We contacted the credit card company ( Citi Bank ) who said they can not do anything because the vendor specified the transaction as a cash advance despite the fact cash was never rendered. This practice seems deceptive and leaves a customer vulnerable if the merchant is able to misclassify a transaction as a cash advance without disclosing that to the customer in advance.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Partners Financial Services Inc
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent a certified USPS letter ( XXXX XXXX XXXX XXXX XXXX ) to Transunion informing them that the closed XXXX  account ending in XXXX had late payment for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I informed Transunion that those payments were not late, and the account was reporting incorrectly. I also sent Transunion copies of the my XXXX bank statement ending in XXXX, for the above mentioned months, showing that XXXX was paid {$2800.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Transunion has ignored the proof that I sent them, and has not updated my credit report. 

Please find attached copies of the letter sent to Transunion via USPS certified mail along with copies of XXXX bank statements.

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 2021-08-27 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
I have been in contact with the collection agency named Complete Credit Solutions for some time now. The reason why is that they continue to report a false collection on my credit report for {$1800.00}, supposedly from a payday loan company called XXXX. I have told the reps at Complete Credit Solutions that I have never had an account with XXXX, much less received any funds from them. So there is no way that this could be my account. Instead of deleting it from my credit report, as I have requested, they tell me that I should dispute it at XXXX, XXXX, and XXXX XXXX if I believe it is not accurate. I keep disputing the account, as they say they should, but THEY keep verifying it to the credit bureaus. So this process is getting me nowhere in regards to getting this false account off of my credit report. Furthermore, payday loans are not even legal in the state of North Carolina. So even if this was legitimate ( which it is not ), XXXX could not have even made the transaction legally. So either way, this should be grounds for dismissal. I have been trying to get this false collection off of my credit report now for 6 months, and Complete Credit Solutions is doing nothing but deterring and obfuscating their responsibilities of the Fair Credit Reporting Act.

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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked & submitted documents supporting my case of fraudulent inquires on my credit report & Equifax neglects refuses to correct the issue. They claim they removed the items but there still showing up on m credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: FL

Complaint narrative:
My son underwent a XXXX and the hospital sent us a bunch of bills to pay. Although the bills were confused and disconected, my insurance dealed with the hospital and covered 100 % of them. 
However, the hospital sent the bills to Revco Solutions ( collector ) that has been sending me often collection letters. I sent them several times the payment proofs. But they don't stop bothering me with collection letters and calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc.
State: CA

Complaint narrative:
I have been using grain ( https : XXXX ) since around XX/XX/2021, I have contacted them at least 5 times through email stating I needed to update my banking information so that I can may payments, I had a problem with my checking account so that account was frozen. I absolutely don't want this to negativity affect my credit score, right now I have a balance of {$440.00} that I am ready to make make payments on but the application doesn't allow me to. So yeah I haven't been able to contact anyone from customer service. 
If you could help me with this it would be greatly appreciated Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have been involved in a Consumer Credit Transaction for years now with Hyundai motor finance. Hyundai Motor Finance does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Hyundai motor finance has taken multiple cash payments. 

On XXXX  Hyundai Motor Finance took a Down payment on a Consumer Credit Transaction for the Financing of a Vehicle in Exhibit B which is a Violation of 15 USC 1662.

As a Federally Protected Consumer Hyundai motor Finances has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. 
Hyundai motor finance has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Hyundai Motor Finance has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal 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 2021-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have been working as a social worker working in a public agency since XXXX. I have asked my loan servicer, Navient, several times over the years about enrolling in the Federal Public Student Loan Forgiveness program and each time was advised that I am not eligible because the amount of my loans is too low and would be paid off before the 10 years is up. I recently re-applied during the COVID-19 pandemic in XXXX of XXXX because my loan total has not decreased despite 9 years of consistent payment and it is no longer affordable for me and I was approved. Unfortunately, none of my previous payments were counted as eligible payments and my timeline for forgiveness started at XXXX  months. Despite my ability to prove that I have been eligible and been working for the same agency for the past 6 years, I can not get any of my payments to count towards forgiveness despite the fact that I was intentionally mislead and enrolled in an income-based-repayment plan despite being eligible for a more forgiving plan. I would have had my loans paid off by now had I not been misdirected over several occasions by Navient over the years and believe that this is a form of fraud as many of other eligible graduates have similar stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Sunday XX/XX/2021 on or about XXXX XXXX  I attempted to transfer {$200.00} ( XXXX XXXX dollars ) using Cash App to a friend XXXX XXXX ( XXXX XXXX ) At or about XXXX XXXX  on Sunday XXXX XXXX, she still hadn't recieved the funds which was odd. So I immediately contacted Cash App to request a refund I did this because XXXX and I noticed that her Cash App tag XXXX XXXXXXXX doesn't have a capital letter XXXX " XXXX '' which is how the Cash App tool directed the {$200.00}. Also, I contacted my bank XXXX XXXX and alerted them to the problem so that I could get the funds back. 
Monday, XX/XX/2021 I was contacted by Cash App Customer Service and asked to provide information so that I may get a refund or redirection of funds. I have provided the requested information each day. Today, I notice that each day I have been asked to do something and I do it but, no indication of refunding my {$200.00}. It seems as I'm getting the run around and no refund. This is not right. 
According to the app the original transaction did not complete so it should be no problem getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I went into a Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I saw and spoke with XXXX XXXX, Relationship XXXX  at the branch office. Mr. XXXX informed me he couldnt open up a Bank of America checking account for me because it was coming up in the database system as decline. I showed the letter XXXX XXXX XXXX sent to me stating adverse reporting was removed on previous accounts ending in XXXX and XXXX was removed and he is now able to open new accounts at Bank of America if he chooses to do so, and he informed me he would call and speak with XXXX XXXX, Resolution Specialist Regulatory Complaints in regards to the previous letter Mrs. XXXX sent to me stating I can now open a Bank of America Checking Account after filing for Chapter XXXX Bankruptcy on XX/XX/XXXX, XXXX Review Bank of America letter and Case Number : XXXX dated XX/XX/2021.

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 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I recently refinanced my home and have been having trouble with the originating mortgage company PHH Mortgage, providing accurate information regarding my loan payoff. I initiated this request on XX/XX/XXXX & barely received a payoff quote on XX/XX/XXXX. Aside from the runaround I received in getting an accurate quote due to a 'shared appreciation ' amount they said I owed due to a loan modification done in XXXX ( I also think there should be a limit as to when they can try to recoup any increase in property value ), they have now come back and said the quote was inaccurate & I owed an extra {$1000.00} for the cost of the appraisal they ordered, although the line item only states 'recoverable balance '. Several issues here, I was not told that I would have to pay for the appraisal when I initiated the request. I now have a copy of a letter they said was mailed to me, but was not received by me vial USPS, saying I could order the appraisal or valuation, or they would. I only received a call from an appraiser to do the work, which I assumed was just part of their process, again, not being in receipt of the original letter. Otherwise, I would have ordered my own appraisal. The letter also states that if the mortgage company orders the appraisal, I would have to pay for it and the cost would be 'up to {$520.00} '. I have also called to ask for a copy of the appraisal invoice and the mortgage company 'ca n't find it ' and said they would have to do research to locate it and send it to me. So, they are trying to charge me over the amount stated, they can't provide proof of the amount charged by the appraiser, and they are threatening to return funds for the original payoff until the full balance is paid. I believe this company to be deceitful in trying to gain more funds from me when they can't provide sufficient evidence. They are also attempting to gain more funds by returning the payoff monies, they can then start to charge additional interest. Aside from the additional money being requested, I have 12 different payoff letters from the company, most in different amounts, and so they can't even figure out how much the payoff is in the first place. I'm refusing to pay any additional balances and request this company be investigated.

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 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union and XXXX there reporting agencies are refusing to up date, correct and monater my credit file. An causing my credit sore to to amen aster different information that has stop me from buying a home and landing me to XXXX. Over the lays 60 months the have be in contact have disputed information wiriten email lots of phones to address this is matter an this the second time get in the CFPB in volved in this dispute. So now I am requesting an appeal to the federal Courts this has cause not only a financial cris and discredit my name.

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 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
midland credit management is attempting to double collect on an account that was settled by a debt consolidation company and midland credit management agreed, collected an amount, and cherged off this account in XXXX this is an illegal attempt to collect against that agreed upon settlement and cgarge off .i have attached a agreement between them and bedrock legal with the account numbers

Company response to consumer: Closed with non-monetary relief