vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I filed a dispute back on XX/XX/XXXX of this year with American Express for a vacation package that I purchased back on XX/XX/XXXX. The day of the vacation my flight was cancelled by the airline. Messing up the reservations. I tried to resolve the issue with the travel agency to get a full refund back since I already purchased insurance on the vacation package. The travel agency started to give me the run around. Leaving me no other choice but to dispute this matter my credit card company which is American Express. The rep that I spoke to via live chat ensure me not to worry that he was going to help resolve this issue. A dispute was initiated and American Express credit back the entire amount which consisted of the hotel fee and the airline fee combine into one. Now the hotel did refund me their portion but it was not the amount they agreed to via email. Now almost three weeks later I received a letter from American Express stating that they are going to reverse the credit siding with the merchant without. Without reaching out to me to request any documents to support my dispute. Like the rep stated in the live chat conversation. A copy of the live chat conversation with one of the American Express rep will be upload to support my claims. It will show were I offered to forward email conversation between the travel agency and I to show proof of them promising a refund of the hotel stay which was about {$750.00}. I also reached out to the airline which is XXXX and they stated that they cant issue me a refund twice. Because the ticket purchase was charged back. I believe every purchase made with American Express is insured but the fact that they decided to side with the merchant as opposed to the cardholder says a lot. There should be some type of investigation on how American Express handle and process their dispute. I copy of this complaint was also sent to my state attorney generals office for further investigation. I have uploaded support documents to support my dispute against American Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
XXXX, XXXXBANK NEW YORK MELLON - DEPRIVE ARBITRATION RIGHTS OF DISPUTED DEBIT CARD CHARGE Bank New York MellonXXXX XXXX  XXXX have , wrongfully, deprived my rights to arbitration. I have tried to invoke my rights to arbitration to dispute a {$10000.00} charge for : *defective work ( libel/slander ), *billed charges for disputing libel/slander *work not requested, but charged - and XXXXwork requested, but not performed. 

There are countless Internet complaints against the law firm that made the charge - alleging similar, unscrupulous billing by this law firm. 

Bank New York Mellon stated in an email dated XX/XX/2022 : " Unfortunately, based on the merchants response we have no rights to continue and submit an Arbitration on your behalf. '' Bank New York MellonXXXX XXXX  XXXX have, wrongfully, deprived my rights to arbitration. 

I, certainly, question how many other consumers have been, wrongfully, deprived their arbitration rights by XXXX, Bank New York MellonXXXX ? 

I, respectfully, seek assistance from the Consumer Finance Protection Bureau to enforce my rights to arbitration regarding this $ 10,000+ matter. 

Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
The auto with Exeter finance was cover with full insurance and gap insurance.. there shouldnt be a balance.. I was carjacked and the carjackers totaled the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My mother deposited a check into my Bank of America account on XX/XX/XXXX. She was told by the rep at the bank that the funds would be available on Tuesday, XX/XX/XXXX after XXXX. That made sense and it helped me plan on how to pay bills. Later in the evening on XX/XX/XXXX, I get an email from Bank of America stating my funds will be held until XX/XX/XXXX, which is XXXX  days because they felt that the check would be returned. This makes no sense and they are abusing their power by refusing to give their clients the money they are owed. My mother is XXXX XXXX XXXX and has never bounced a check. I am telling you this in hopes of holding them accountable for their shady business practices and lies. They have NO RIGHT to hold my money for 11 days. If they done this to me, they have done it to others. My hope is the CFPB will take them to court

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 2022-02-26 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: OH

Complaint narrative:
XXXX loans transferred were the first loans to transfer to Fed Loan Servicing as I'm pursuing Public Service Loan Forgiveness ( PSLF ). Payment was set at {$41.00} on XX/XX/XXXX under the IBR plan. I was then notified on XX/XX/XXXX that my payment was recalculated at {$80.00} under the REPAYE plan. The TEPSLF was announced in XX/XX/XXXX. I consolidated my Navient loans, which were transferred to Fed Loan Servicing. On XX/XX/XXXX, I received notification I had 2 new payments that had been calculated. One payment was calculated under the ICR plan at {$170.00} and the other payment had been calculated under the REPAYE plan at {$160.00}. I've been paying XXXX and Navient every month, without fail, for the past seven years and my payments have always been affordable ; I've never struggled to make meet my student loan obligations or other financial responsibilities. My prior payments were set at {$39.00} and {$28.00} respectively. I've tried, exhaustively, to discuss this matter with representatives of Fed Loan Servicing to no avail. My income has not increased since the initial payment notification dated XX/XX/XXXX. In fact, my tax return indicated that my income actually decreased from last year. No representative can intelligently explain why there are 2 payments when they are a singular servicer, other than to state there are Parent Plus loans, which were consolidated into a loan and no longer stand on their own. Additionally, the representatives I've spoken to insist that the loan that includes the Parent Plus loans is not eligible for an income based repayment plan, contradictory to what is indicated on the Department of Education 's website regarding the Temporary Extended Public Service Loan Forgiveness waiver. Efforts to reach someone at the Department of Education have met with negative results as well. I continue to be given phone number after number only to be told I've reached the wrong department. I've filled out numerous applications for payments plans, been denied, told I've filled them out incorrectly, had them deleted, and have no idea where to turn for assistance. I am petrified of losing everything I have worked so hard to achieve simply due to a change of loan servicers. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
NOT ONLY ARE THE INQUIRIES FRAUDULANT AND WAS NOT PERMITTED BY ME HOWEVER THE CREDIT BUREAUS, XXXX, XXXX, XXXX, CHEX SYSTEMS ARE IN VIOLATION FOR REPORTING IT WITHOUT VERIFYING WITH ME FIRST.

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 2022-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have had an account with discover Bank for many years. I also have a credit card with them that I use regularly and pay off every month. My XXXX  score is over XXXX. 

I received a phone call voice message from discover Bank saying to call the fraud unit at XXXX. They informed me that they closed my bank account citing a business decision as the reason. They further inform me that they're going to send me a check for the money in the Bank account. 

I am a XXXX  XXXX, XXXX  XXXX, veteran and have my account closed for no reason that I know of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I wired transferred {$20000.00} to a Wells Fargo Account for XXXX XXXX with account # XXXX Direct deposit/Electronic payment # XXXX, this person XXXX XXXX was an associate of XXXX XXXX XXXX which I thought was helping me do my investments but it was all a scam. One thing is for sure this person XXXX XXXX in fact did receive the {$20000.00} I wired transferred from my bank XXXX XXXX XXXX  out of XXXX Texas with phone number XXXX XXXX XXXX. I tried contacting Wells Fargo to stop this transaction, I was on the phone for over 4 hours trying to speak to someone every time they answered they sent me to another person and so forth, they took over 2 weeks to respond to XXXX XXXX XXXX  over an email that they couldnt do anything about it because I was not on XXXX XXXX account.

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 2022-02-26 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 — Their investigation did not fix an error on your report
Company: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I had three accounts with XXXX, they were bought out by Citizens. I have tried to contact Citizens, if you call by phone the wait time on all four calls has been 45 minutes to 90 minutes. They offer no chat feature on their website, and they refuse to list a email to contact them. I wish I had the time to contact them, but I don't have 90 minutes to sit on the phone, it speaks volumes for how little Citizens values Customer Service. All I want to know is how do I access my accounts that were transferred, how do I change the auto withdrawal from XXXX to Citizens. I called XXXX, they told me that they have had so many calls complaining about Citizens, but they couldn't help me. I went back through emails, I found one from Citizens, but when you open it, it gives you little info other than Welcome to Citizens, if you hit contact us, you get three options, call us ( see above on the wait ), chat with us ( doesn't exist if you hit link, says coming soon ), email us ( says we wont take emails because they are unsecure ), thus impossible to contact. Since both XXXX and Citizens offer no help, I'm reaching out to you, so that I ca nat least access my accounts. Granted, I dont have a lot of money is the XXXX accounts, typically I use them as a pass through, but still it shouldn't be this difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap

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 2022-02-26 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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

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 2022-02-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Today I received an alert from XXXX XXXX that I have a collection reporting on my credit report. 

I don't know anything about this debt. The debt collector never reached out to me, instead they put a medical collections on my credit report. Plus it says date of service was in XX/XX/2021, I was in XXXX, XXXX. 

This debt is bogus and I wasn't provided anything to verify this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
I received a response to the complaint I initially filed with the CFPB today ( XX/XX/2022 ). I did not receive the items I specifically requested in my initial letter to the collection agency ( XXXX XXXX XXXX ). The collection agency merely forwarded a letter summarizing charges they claim are due. The letter was not even on letterhead nor was there anything provided from the original creditor ( XXXX XXXX of KY ). 

Attached is the letter I sent via certified mail with return receipt today ( XX/XX/2022 ) to the collection agency noting that I would not accept what I received from them to validate the related claim. I am also attaching a copy of the letter I received from them today. 

Note that I demand the related collection account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I saw this first early XX/XX/22 on my XXXX report and instantly disputed it. I saw that it was from XXXX XXXXXXXX years prior and I had closed this account with XXXX prior to activating the card. No attempt to contact after was made. The dispute with XXXX ended in LVNV being removed from that report, however, as of XX/XX/22 they now show as closed other accounts on my XXXX and XXXX reports. When attempting to contact LVNV and XXXX XXXX, the sites are either down or you can not speak with a live agent. Ive read multiple reviews regarding both companies and this seems to be the norm for them. I have even went so far as filing a XXXX complaint against both companies!

Company response to consumer: Closed with explanation