vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CO

Complaint narrative:
Two transactions were wired from my account- {$100.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX by Google Pay for cleaning fees for a house rental. Once I had realized this was all a scam, I had contacted Google Pay twice ( within their 120 day claim period ), to notify them of the scam and dispute the charges. They denied both claims, and tried to tell me this transaction was valid ; that I had actually received the lodging and cleaning services. I tried to put in another claim a couple days ago - XX/XX/XXXX, and they were actually willing to look into it..then they had realized it was past their 120 day claim period, so they just told me they couldnt take care of it. I could understand if this had been my first claim ever a couple days ago, but it wasnt, and Google Pay just kept denying my claim basically until the 120 day period passed, so they wouldnt have to deal with giving me a refund. I kept trying to tell them that its their fault the 120 day period had even passed ; that they didnt investigate this well enough during my first two claims. They are literally allowing scammers to keep ripping consumers off by denying claims! I am going to keep fighting for my refund until I get it back. I will never use Google Pay again after this is resolved. Horrible business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
A credit card a payment I've been paid long time ago and also school loan and stole my taxes XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of American has an account on my credit report listed as a Charge Off and it is not. When I disputed this through XXXX XXXX the report back from Bank of American indicate the account was at maximum delinquency and it is not. There was an agreement made with Bank of America in early 2022 regarding payment on the account. Since that time all payments have been made to date. The account therefore is not charged off nor is it at maximum delinquency since the payments have been made as agreed. I simply want Bank of American to report the account accurately as up to date and payments being made as agreed. They are showing the balance declining, so why can they not report it correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
New York and Company Comenity credit card reported a late payment to all three credit bureaus for an item that was returned in XXXX XXXX. New York and Company partially refunded the credit card three months after the return was processed. Partial credit was done in XX/XX/2022. I called numerous times to request for a full refund. The merchant informed me that while they investigate and work on crediting the full refund back into the credit card, they will not report a late payment. However, they reported a late payment for the months of XXXX and XX/XX/2022. Final refund was processed in XX/XX/2022. I've called XXXX as well as New York and Company multiple times to have the late payment removed. Both companies have not resolved my complaint and the error still have not been corrected. Late payment still shows on my XXXX credit report for XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
There were a string of fraudulent charges on my credit card. This lasted a couple of days since the bank and credit card fraud detection did not notice. I notified the bank, and an investigation was started. The investigation was closed, and my request denied since the person who stole my credit card signed the receipts. I notified customer service of this, and was told that filing a complaint with CFPB was my only recourse.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I received a phone call from a woman I didn't know on a number I didn't recognize. She said she was with PNC and my credit card had been compromised. She said that if I verified my address she would send me a new card. I thought it was a scam. It sounded exactly like a scam. I told the woman I would call the bank in the morning. 

Turns out it wasn't a scam. It is difficult to imagine why an organization that is susceptible to phishing attacks would think it appropriate to make a telephone call like this. They should have simply said " don't be alarmed but we had to change the number of your credit card account. You'll receive a new card soon ... '' I appreciate that the bank is doing everything it can to prevent fraud but I'm sure everyone will agree that their telephone call was inappropriate and less than professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and Experian are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the Experian, XXXX and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have contacted Affirm many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through Affirm it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't understand why accounts are returning verified when I've complained about not receiving information to verify this alleged debt placed on my credit report by you and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: FL

Complaint narrative:
I pay my balance in full on my XXXX XXXX XXXX  but I noticed that even though I pay it before my statement date it does not reflect on my report as the statement date direct balance of XXXX instead I if I use my card the day after day 100 % it will show as 122 % in this case! 

This is either -Perjury -credit bureau fraud -credit card company/industry bias -Extreme prejudice/XXXX of religious sect ( w/ ongoing litigations pending Supreme Court investigations documents to support my claim and of course the statements between cycles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
There is no way to contact XXXX XXXX owner by the name of XXXX XXXX XXXX XXXXXXXX miles when I purchased it it had a faulty transmission was not in the description and I soon suffered after again there is no contact I have paid XXXX down payment {$10000.00} this and it turns out that it is on my credit now I need it removed! No contact! 

-Also he had to pay to get my tags I could not get my tag because coronavirus hit the same week I purchased a vehicle again indicating to meet a governmental plot again : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Credit report goes down every time you apply, really! 
XXXX XXXX XXXX XXXX send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX ups. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by XXXX  XXXX XXXX. 

Then amazon credit application denied by chase. Already have card with chase.

Site said, get XXXX dollars from Amazon and 12 months free payment plan with azmazon card. Got denied by chase. So Now I put it under my XXXX XXXX. The purchase. 
In XXXX, I will transfer XXXX  balance to XXXXr. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! Chase represenative told me go to credit bureau, ok, so I did!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is not the first time that Wells Fargo has been irresponsible with the handling of my account, they did the same exact thing during my Mortgage Closure and did not bother to offer me a solution. Now, they are mishandling my Escrow payments and deducting more than required without my knowledge or consent! 

I finalized my Home Insurance for {$580.00} from XXXX XXXX and they agreed to bill my Mortgage company XXXX Wells Fargo ) for that. But when I reviewed my Escrow statements, I found that Wells Fargo has deducted {$600.00}, which is {$26.00} more than what is required. 

I tried contacting the bank via phone and their agent told me to route all enquiries regarding Escrow payments to " XXXX '', so that their Escrow team will review the information and get back to me. 

Now my concerns are : 1. Why did Wells Fargo charge my account more than what was required?

2. I sent the email on XXXX and has not got a response yet! 

Like I said, this is not the first time Wells Fargo has mishandled my account. They conveniently forgot to deduct the Broker Commision from my Final Closing amount, which was around {$10000.00}. When I asked about their apparent failure & responsibility they just said " sorry '' and corrected the issue. I don't think I will be granted the same privilege if I miss a mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: FL

Complaint narrative:
-I how was illegally XXXX after being on XXXX seeing the judge the same week - reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - had car towed even though my brother stayed five minutes away and could have received the car - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- it was the day before XXXX it was a XXXX act I have all the information in the court system- I need you to remove repossession XXXX XXXX  from that time frame off my report - Criminal negligence of police officer and discrimination acts The event was misled my tags were expired but it was within the same month a few days after my birthday and the only reason why I didnt change my tag because the same day my mother told me I should wait to the end of the month and she is my witness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until my judge came back from a month long holiday vacation which indicated to me that it was a plot from the government

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I currently have 2 private loans with navient. One is cosigned by my mother who is currently retired and another larger loan is cosigned by my sister. I have requested that navient lower the amount that I pay monthly due to decreased pay rate and increased cost of living. navient lowered the loan under my mother 's name because she has no income, but due to my sister 's income they refused to lower that loan, instead asking me to have her help me make payments.My sister has XXXX children of her own and her own student loans, she can not assist me with these payments. I am willing to make reasonable payments however my private student loans toke up a 1/4 of my income and soon will take up 2/5. I am pay check to paycheck sometimes having to borrow with high interest loans to make ends meet. Because of this I have not been able to improve my credit sufficiently to have my sister removed from my loan, if I could do that, I could have a more reasonable payment plan. I recently had a child and this has further impacted my funds.l, navient does not offer any plans to accommodate this change. All I want is that my payment plan be based on my income and not my sister 's so that I can make somehead way on this student loan, it has been almost 10 years of payments and my loan has increases. This seems like a unbreakable circle at this point with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I dont owe this debt. Its not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4

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