vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Yesterday XX/XX/2021, I logged in to my Fedloan account to update some information since in XXXX I will restart paying for my student loan since it was paused due to COVID and I was also looking for information regarding if I qualified for the student forgiveness loan, well today at XXXX I received a call from a suppose XXXX XXXX number XXXX that I prequalified for a forgiveness loan and to call her back at XXXX as I couldnt picked up the call since I was at lunch and of course wasnt thinking to look for the number in the website it self, since it was a coincidence that I was just looking for the information the day before I called back that number, I spoke to a guy name XXXX XXXX who was able to log in to my federal student aid got the information of the amount that I owe along with my social security number. I stopped the call immediately he asked for my debit card information or my banking account and routing number. He then called me back at XXXX from a XXXX number asking me if I wanted to continue the application. I started yo ask him questions about his company and his government ID who he couldnt respond to and hang up on me. 

In the meantime of all of this I also received a message from a XXXX at XXXX saying they were from the XXXX XXXX for the student loan and that my application was put on paused due to a missed monthly obligation and that my program may be subject to cancellation to call their customer service number at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
Hello, My XXXX account was account was compromised ( XX/XX/2021 ) and an item was ordered fraudulent. I first called the merchant ( XX/XX/2021 ) and since the item was already shipped they advised that I file a dispute with my CC. When I called my CC ( XX/XX/2021 ), they did not want a police report nor had me sign any forms. They issued temporary credit, for {$770.00} after I filed the dispute. Now on XX/XX/2021, I received a letter dated XX/XX/2021 in which my CC company said the purchase was valid. And if I wanted to to speak to them to call them. The number they provide for the fraud department does not work. All calls go to voicemail and no one returns my call. I have called over 40 times and no one picks up in the fraud department nor do they return my calls.

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 2021-09-27 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: Porania, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on two credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
We had credit checked in order to refinance a home mortgage ( week of XX/XX/XXXX ). A collections debt we knew nothing about showed up on TransUnion credit report - from XXXX XXXX XXXX XXXX, showing original creditor as XXXX. On XX/XX/XXXX, I spoke to XXXX, who confirmed they have no record of an account in my name, nor any past amount due. They started a fraud investigation. 
I disputed the account with Transunion on same day, but they have come back saying the report is accurate!! I also tried to contact XXXX XXXX XXXX on same day ( XX/XX/20 ), but they wanted me to give them my social security number and other sensitive data just to look up the supposed debt, so there was no way I was going to talk to them.

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 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data System and XXXX XXXX XXXX are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of my HIPPA release form authorizing Medical data system access to my medical file by gotten no reply in that regards yet, they continue to reporting account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to report the payment status positive and update all late from reporting on the following accounts : XXXX XXXX  XXXXBalance {$260.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
need for them to mail me a copy of the transaction of a XXXX  XXXX XXXX  for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
This complaint is regarding Comenity Bank - Victoria Secret Credit Card. In XXXX, 2021 I paid off the entire outstanding balance on my Victoria Secret Credit Card ( Comenity Bank ) of {$56.00}. Following, I did not receive a statement, and did not log into my account as it was paid off. Later, in XXXX, 2021, I received a Victoria Secret statement with a balance owing of {$62.00}. After researching my statements it appears in XXXX, 2021 the bank charged a {$2.00} fee on a {$0.00} balance account. Representatives from a Comenity call center ( offshore, XXXX ) could not explain why I received the fee. The {$2.00} fee accrued additional fees, including late fees, and now I am advised I owe a balance of {$62.00}, due to a {$2.00} fee that was charged in XXXX, 2021. It appears fees have been capitalizing over the past several months. I was advised I must pay the fees, later I was told the fees may be waived as a one time courtesy. 
I would like the fees to be waived, but more importantly, I would like the bank to discontinue the practice of charging fees on a {$0.00} balance account with additional fees on top of fees as well as late charges accruing and charged to an account that has been paid off and has a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
i XXXX XXXX i was a Victim of Identity Theft i am having a problem with Equifax With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} XXXX contacted Equifax and Made A Dispute for this Account and Equifax Denied the Dispute and the Information was not remove from my Credit Report and i Contacted Equifax Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My Equifax Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why Equifax Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
need to get c r for XXXX did not rec the card for which i was chg a fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: COMMERCE BANK
State: TX

Complaint narrative:
For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. 
After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX  card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX  charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX PM CT, I was contacted by a number ( XXXX ) that promptly went to voicemail, wherein a XXXX XXXX was attempting to contact me about a " pending legal matter scheduled to be filed against [ me ]. '' XXXX XXXX than proceeded to call and leave voicemail messages with several friends and family members, threatening that if I did not call back in a timely manner, actions may be filed against me and that by calling, I could " prevent this from taking place. '' I was given a number to call ( XXXX ) and a reference number. On Friday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I was contacted by a similar number ( XXXX ) with the same message verbatim. Once again, XXXX XXXX contacted me and my friends and family, leaving a threatening voicemail with the same threats and instructions. I did not hear anything on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX. I assumed this was a scammer. On Monday XX/XX/XXXX at XXXXXXXX XXXX XXXX, I received a threatening text message from XXXX, made to appear to be an automated message threatening to file a complaint against me in my county court. This text message told me to contact XXXX with my reference number of the filing would be done without my participation. Once again, my friends and family were contacted with the same text message. On Monday XX/XX/XXXX at roughly XXXXXXXX XXXX XXXX, I contacted the XXXX number and was greeted by a receptionist at " XXXX XXXX XXXX XXXX XXXX. '' I provided my case number, and after a hold, was told that this was a civil complaint to be levied against me. Title 15 was referenced. This civil complaint was in regards to an alleged debt accrued in XXXX and owed to CitiBank. This alleged debt was turned over to a collections agency. Frankly, there is no such alleged debt as I've never had a CitiBank credit card and I believe that XXXX XXXX XXXX is attempting to threaten and harass me and my family to collect an alleged XXXX XXXX XXXX debt. I believe that XXXX XXXX XXXX are acting in bad faith and are likely being used as a front to attempt to threat and scam people. I requested the address for XXXX XXXX XXXX to file a cease & desist against them and to file a complaint with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NV

Complaint narrative:
I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.

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 2021-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I notified Professional Finance Company INC. to Validate a debt they were trying to collect. I ask for the following information and actions : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable ; and identify the original creditor. 
Prove the statute of Limitation has not expired on this account. 
Show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Then the company sent a screenshot of charges from XXXX XXXX XXXX and letter that stated the debt was validated and I had no legal right to request such information from their company. After doing my own extensive research turns out that my insurance company paid the charges the company stated I owed. I did send payment for the reminder of the amount I should have been charged but was not. I have proof I do not owe the amount they said I do ant they have been report on my credit invalidated information to all of the three major Credit Bureaus. 

This is a medical debt and should be a HIPPA Violation. The original debtor XXXX XXXX XXXX just sent me to the collection agency not giving me the ability to request an updated of the error.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Received a letter on XXXX from XXXX XXXX XXXX XXXX claiming I owe PayPal, Inc. {$9400.00}. This is not my account and paypalXXXX shows a XXXX balance for my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/2020 i received a check to pay the balance for the debt that i sent to the company, they sent a 1099c and refunded me the funds i had sent as they cancelled the debt and promised to remove. I have reported them to the FTC as well as called several times with no letter or 2nd copy of my 1099c for my mortgage company and was hung up when I requested them to honor the FDCPA and remove the debt as it was forgiven, which under the FCRA then they aren't allowed to be reporting this debt, I have 2 other debts with them that were also forgiven but no 1099c provided and are still on my report from the same company.

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 2021-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame was XXXX to XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not XXXX. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XXXX of 2021 and PHH is just now getting around to updating their insurance records. 
PHH Mortgage sent copies of papers after my initial complaint which were irrelevant to the issue. The paper did not address the fact that they did not know at the time that there was no insurance in place. Secondly, the mortgage contract clearly states that forced place insurance can only be put in place if there is no insurance currently on the home. Prior case law shows that lenders can not force place insurance on prior gaps of insurance, only hwne there is no insurance currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
When calling in to Navy Federal Credit Union for the last two months customer service representatives have been unable to locate accounts and asked me if I am sure I had credit cards with Navy Federal Credit Union, resulting in me able unable to make payments. This is the only payment option available due to the current restrictions on account. When calling in to Navy Federal, Credit Card accounts are not linked to SSN but they report credit cards to Credit Bureaus utilizing SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.

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