vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase XX/XX/XXXX and did not receive a billing statement ( by mail or email ). I was told that I was enrolled in eBilling but I dont receive the bill. XXXX XX/XX/XXXX I made a purchase and after again not receiving a bill and XXXX coming to an end, I called over the weekend and the automated system said that a bill was mailed on XX/XX/XXXX a payment due XX/XX/XXXX. XX/XX/XXXX Comenity increased my min payment due by {$7.00} without notice and my account was set up with bill pay through my bank because at the time Comenity did not allow auto-pay. Because of the lack of notice I was charged late fees for being {$5.00} short on my payment. The website constantly experiencing issues and statement archives are not available as stated. Comenity is constantly changing its terms without notice ( and making false claims that it did without any evidence of notice ), and and not sending statements. Comenity unethical practices lead to increased fees to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was in the process of trying to buy a home in XX/XX/XXXX from XXXX and my credit credit was run by their finance department, my scores came back extremely low. So they showed me what was on my credit which was multiple credit card accounts that was not mine like Portfolio Recovery, etc. I filed a police report on identity theft with social security being compromised and sent it to the credit bureaus. I disputed all of them and only some of them were taken off my credit. But Portfolio Recovery remain with bill of sale paperwork from XXXX. Meanwhile, i was getting harassing calls from creditor, Portfolio recovery every day twice a day from XX/XX/XXXX till XX/XX/XXXX at work and home. I filled out an identity affividant with their company. Despite it all, in attempt effort to clear my name, they are now taking me to court for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I APPLIED FOR APPLE CARD FROM GOLDMAN SACHS. I APPLIED AND WAS DENIED ON XX/XX/2021 AND FOR REASON UNABLE TO VERIFY IDENTITY. I'VE CALL THIS MORNING TO ASAK ABOUT MY APPLICATION AND WAS TOLD THAT, XXXX XXXX MAKES THE DECISION. I TOLD THE REPRESENTATIVE THAT CREDIT BUREAU DO NOT MAKE DECISIONS ON APPLICATION, THE DECISION IS MADE BY THE BANK TO APPROVE OR DISAPPROVE SUCH APPLICATION. I HAVE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I CONTINUE TO GET DENIED. I WANT MANAGEMENT TO REVIEW MY APPLICATION. MY CREDIT SCORE IS XXXX AND I HAVE NO ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase closed my account unexpectedly about a year ago with a positive balance and never sent the funds. I requested a check but it never showed up. So Im hoping that someone can look into this an help resolve my issue. They said they sent the check to XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX but it never show up. My new address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
Ive sent several letters to these collection agencies to show me proof of accurate debt because my HIPPA rights haven been violated. I believe your company has violated several of my consumer rights. Specifically, you fail to validate a debt at my request, which is a FCRA violation and you continue to report a disputed that to the credit bureaus. Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, Estoppel by silence legally means that you had a duty but to speak but failed to do so therefore, that must mean you agree with me that the debt is false. I will use the XXXX in my defense.

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 2021-06-28 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: AES/PHEAA
State: MD

Complaint narrative:
There is a discrepancy in the number of qualifying payments for my loans. I spoke with XXXX ( XXXX ) from myfedloan on XX/XX/XXXX at XXXX who informed me that they are unable to confirm payments made with direct loans from the periods of XX/XX/XXXX through XX/XX/XXXX as well as from XX/XX/XXXX through XX/XX/XXXX because direct loans no longer exist. 

I have not been given credit for payments made when XXXX XXXX was my loan service provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: First Advantage LNS Inc.
State: MA

Complaint narrative:
I have contacted all credit bureaus some have the wrong contact information number, this account is reporting on my credit with no credit history I have a XXXX credit report to prove this case. 

Also its charged off and still reporting a {$1400.00} balance this account is not mine Ive tried multiple time explaining this collection agency send a copy of a fraudulent signature they claim is mine and 2 otter people Please remove this based on inaccurate reporting to each credit bureaus. 

Also the Original Creditor has NO NAME this is not 100 % accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report it has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX I called equifax to have a credit report freeze removed. After waiting 1.5 hrs I was connected with a representative and asked to upload my license and SS Card. There was an issue on thier end that would not take the upload. I was told to send a fax with the information which I promptly did. I was told it would be 3-5 days to have the credit freeze removed however it has never been removed. 

Today I received a code via mail to signup for myequifax to remove the freeze myself however I get an error that says " We are temporarily unable to complete this request. '' I can get no help from equifax to fix this issue. I'm attempting to refinance my house and can not without the freeze removed. Can equifax just keep putting me off and not fix this? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a letter to XXXX, XXXX, and Experian, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity discriminated against poor and XXXX people by charging excessive fees. If an error occurs, they refuse to refund the fees and shame customers for being poor. I had XXXX dollars that went missing. The merchant said they didnt have it because I didnt authorize the payment and it was returned to the bank. The bank says Im lying and they never received it. I complained about the missing {$170.00} and any fees they attached to the missing moneys, and as punishment, theyve locked my account and I cant even access my ssdi check to pay my bills AND theyre charging excessive fees again. Im terrified to go into my banking center because I know theyre going to steal more money, if they even let me have the money that is sitting in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently sent a letter to TransUnion, XXXX, and XXXX, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently sent a letter to XXXX, Equifax, and XXXX due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC

Complaint narrative:
Frontline Asset Strategies I would like to attach addtional information to be forward to company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MoneyLion Inc.
State: TX

Complaint narrative:
A account/ loan was opened using my personal information and I have no records of this transaction the company is Moneylion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
In XX/XX/2021, I received a notification on my XXXX Credit Report about a collection entry by a company based in Alabama known as AMSHER Collection Services ( XXXX. The debt was for a company known as XXXX XXXX XXXX XXXX XXXX ) On XX/XX/2021, I called XXXXXXXX XXXX  and the lady checked her records and confirmed that I had never had an account with them as they service the Southeast United States and I live in Delaware. She advised me NOT to call AMSHER, but to file a dispute with XXXX which I did. I supplied XXXX copies of my drivers license and passport and about a week later the collection notice on my credit report disappeared. On XX/XX/2021, I received a new entry on my credit report listing the same information and same collection agency. Today, XX/XX/2021, I contacted XXXX by phone and asked them why the inquiry was reinstated. They said AMSHER reported to them that the account was opened using my social security number and that this indicated fraud and for me to contact the FTC to file a identity fraud alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
good day my complain is about the assent i have sold online on a social media specifically on XXXX XXXX  and XXXX, fortunately the buyer has seen the advertisement and was willing to buy the my product and the buyer introduce to me the the special account called PayPal that I must register as he going to pay me on this account and i have register to this account and became a member but i was struggling to link the account to my account on the XX/XX/2021 and i as seller we agree with the buyer that he will pay me on this account called paypal and the money will link to my personal account. XXXX amount was deposited in paypal account that i can use or seee it but the client promise to see to this matter but i manage to trust the buyer and this paypal thing scam, well after shipping the product to XXXX from XXXX XXXX to Mr. XXXX in XXXX the was confirmation on on the paypal account of my money transfer the paypal account says it has i technical problem the money will be available after 72 hours and i have waited till the 72 hours is gone then they introduce the a knew thing that says my money cant be transfer to me as the have deposited more money in my paypal account wish i can not see it with a naked eye ... .up untill i pay XXXX XXXXXXXX to the client for the additions that i can not see or any thing that say they have deposited money in account but i MUST PAY MR XXXXAL THE BUYER XXXX and they will deposite XXXX to my account ( 1 ) i must e wallet this mr XXXX who already have my product the XXXX XXXXXXXX and i will be able to access this shirty account call paypal, i have mange to save all our conversation with the buyer and paypal accounts manager

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I am contacting you about a serious issue I had with BBVA with a cash deposit to the ATM. The branch address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The transaction occurred around XXXX XXXX on Monday XX/XX/XXXX. 

I was not sure which sup-options to navigate through in the form for this complaint since none were specific to my situation. 

My wife had just pulled out {$13000.00} in cash from unemployment backpay from her account and we immediately proceeded to the BBVA branch mentioned and attempted to deposit {$2500.00} into the machine to pay bills, XXXX {$50.00} bills and XXXX  {$100.00} bills were inserted into the drive through ATM. The machine jammed and would not return any bills or apply any of them to my account. My wife was beside me in car during this transaction.

I went into the bank at which time the branch manager came outside, told me to park my car around the front of the bank, and accessed the machine from the front. He then accessed the machine from the inside of the bank while I waited in the lobby. He was alone during both these periods of time. 

The manager told me he only found XXXX {$50.00} bills in the machine ( {$350.00} ) and that no other $ 50s or $ 100s were in the deposit holding section. I was told they would need to contact an ATM tech to audit the machine and that could take 48 hours but they would contact me, in the meantime they deposited the {$350.00} into my account. The following day I called the bank in the afternoon and spoke to the manager ( who never contacted me ) who said they had the machine audited and my money wasnt in it!?!? I called the police who sent an officer to speak with the bank staff but he called me after saying I would have to let them handle it internally first.

I filed a dispute with the branch and with the BBVA corporate number but nothing has come from that yet and I have been given no updates or contact information for anyone involved in investigating the situation. I am not sure if this is a technical/mechanical error with the machine or something more nefarious in nature but I am left out {$2100.00} and with no options at this point. The whole situation is unreal to me that {$2100.00} in big bills just can not be found. So that is my current situation/complaint. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/21 I made a reservation via XXXX for a rental car through XXXX. I have a child who is XXXX to a XXXX and we would need a vehicle that could accommodate his chair. I reached out to XXXX prior to booking through XXXX and asked if they would " upgrade '' me into a vehicle that was larger if I booked the rental from XXXX. They said that it was fine and to just call back once I got my reservation number. Once booked I called back and their answer at that time was I'd get whatever car was available at the rental office. I called XXXX to cancel and they told me they have a no cancellation policy. I booked a XXXX through another company and since then I've been trying to get my money back for a rental I never used and gave ample notice to cancel. Chase told me today via their supervisor XXXX that they have sided with the merchant and I can not reopen the dispute. I was billed {$220.00} for something I never got, had no chance to use and made every good faith effort to cancel. Every rental company over books their product and they suffered no loss.

Company response to consumer: Closed with explanation