vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear XXXX, I am writing to you to lodge a formal complaint regarding my closed credit card account with your company. I am concerned that your company has violated consumer laws and codes of banking that are in place to protect consumers from credit card debt. 

As you are aware, I have been a loyal customer of XXXX for many years and have regularly used my credit card to make purchases. However, due to medical issues, I am currently not working and have been struggling to keep up with my credit card payments. I understand that I have an obligation to pay off my debts, but I believe that XXXX has been acting unfairly by imposing high interest rates on my closed credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
The servicer, PennyMac, has over collected escrow payments, since the inception of the loan in XXXX, XXXX. They are over paying hazard insurance and double paying hazard insurance. XX/XX/XXXX PennyMac paid {$3500.00} to XXXX XXXX, when the premium was much lower than {$3500.00} and when I changed insurance from XXXX to XXXX to lower the premium and provided proof I paid the XXXX insurance premium out of my own pocket, Pennymac double paid XXXX again, a second time, on XX/XX/XXXX in the amount of {$2100.00}. I am entitled to have the escrow account removed in the XXXX month which is XXXX, XXXX. I have requested Pennymac to start the process to remove the escrow account and for them to do a full escrow analysis on XX/XX/XXXX because I believe that Pennymac has over over collected over {$2000.00} each year, for a total of {$4000.00} they owe me and I have proof they are paying the wrong insurance carrier, over paying them the wrong amounts and double paying them. Pennymac refused to remove the escrow account or do an escrow analysis because it would " increase the payment even more '' and are refusing to account for the monies they are collecting in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: SC

Complaint narrative:
I purchased a Netspend reloadable prepaid card XXXXXXXX  and attempted to register it and the representatives are giving me the run around and refusing to refund my money because they say my ssn is linked to a closed fraudulent account which I have no access to. They refuse to escalate to a higher level of customer service to resolve it or they flat out stop talking and refuse to hang up so they don't violate company policy. I will file a lawsuit if needed. This was my child XXXX birthday money I loaded onto a card so she can spend when she goes off without me. It's a sizable amount and is 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX  XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.

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 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Resurgent is acting as a collector for XXXX internet service. This service was terminated after I purchased a {$300.00} router from them and did not recieve adequate service ( internet never worked and they would never come and fix it ). 
When purchasing the router, I was told that it would be mine, I would not have to pay the rental fee, but if it were to ever break, I would be responsible for purchasing a new one as it was my owned property. This was over three years ago. 
The internet never worked, I paid {$80.00} to have them come fix it, still did not work. I canceled and they tried to hit me with early termination and have me return the equipment that I had purchased. I refuse to continue to pay for internet service that was not being delivered or return equipment that I purchased. XXXX turned me to collections. This debt has been handed down to four different collections because none of them can prove that I actually owe a debt, they just keep sending a fraudulent bill. 

I sent the following letter to each collector, including resurgent. : " Previously I had asked for proof of owed debt to XXXX internet provider. You sent me a bill from which they had charged me, however, those charges are fraudulent as the early termination was due to a lack of service on their end. I am lawfully able to refuse payment for services in which I did not receive. Additionally, they had billed me for the nonreturn for lease equipment, however I had already paid the {$300.00} in full for the modem and XXXX XXXX when they were installed. 

If you can provide me with a signed copy of a contract stating that I would return the equipment that I had purchased without reimbursement, that would then be sufficient proof.However, a copy of a fraudulent billing statement would not suffice as proof of debt. '' They then told me that I had to prove that I did not owe the debt. I explained to them that the burden of proof was not on me. They continue to send me mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: National Credit Systems,Inc.
State: NH

Complaint narrative:
Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: AR

Complaint narrative:
I received an email from XXXX XXXX a representative of XXXXrueAccord a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from TrueAccord stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from XXXX & XXXX XXXX XXXX XXXX. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from TrueAccord. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear Comenity Bank, I am writing to file a formal complaint regarding my credit card account with your bank. I am experiencing a problem with high interest rates on a closed credit card account, which has become a significant financial burden for me. As a consumer, I believe that there are laws and codes of banking in place to protect me from this type of debt, and I would like to request a resolution to this matter. 

Firstly, I want to emphasize that my financial difficulties are not by choice, but rather due to medical issues that have prevented me from working. I have been unable to earn a steady income, and as a result, I am struggling to make payments on my credit card account. I believe that as a consumer who is facing financial hardship due to circumstances beyond my control, I should be protected by relevant consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and this my second complaint against DNF Associates after they failed to rectify my matters. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
Equifax has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have for the past 5 years yet Equifax does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. Equifax disabled my lock and alert and won't let me reactivate it. Additionally, Equifax has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and Equifax has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. Equifax has my address listed as their XXXX XXXX XXXX XXXX  and again that is not my address. Equifax needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. Equifax caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with equifax without resolution. My email XXXX is the email used to sign into the lock and alert but equifax has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX my daughters SSI check got deposited into the local branch US bank account and my account was in the process of being closed due to it being a freeze on it because of fraud so no funds can go in and no funds can go out US Bank cashed my daughters check and I have a outstanding balance of {$900.00} that should be all to me but US Bank is actively holding the funds. It has been 30 days now and I have not gotten through to anyone I reached out to social media to take a stand on trying to get my son so that I can pay my rent. Im currently 30 days back now due to not able to get my funds. I have also reached out to the local branch manager, the fraud department, and online banking, I have not gotten through to anyone that could give me any type of financial help. I am now assessing fees in late payments when my rent. I am now 30 days back on my rent and it is a crewing up to now {$1000.00}. My rent is XXXX dollars.

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX I am disputing this debt and collection in the amount of {$1800.00}. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

This is also a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges. 

Cease any credit bureau reporting. AWA collection reported this to credit bureau affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: IL

Complaint narrative:
My name is XXXXXXXX XXXX XXXXXXXX. I have a bankruptcy XXXX XXXX on my account. I have tried to dispute it with XXXX, Transunion and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time XXXX told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law

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 2023-04-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXXXXXX. I have a bankruptcy XXXX XXXX on my account. I have tried to dispute it with XXXX, XXXX and Equifax, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time XXXX told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Block, Inc.
State: NY

Complaint narrative:
I made purchase through cashapp on XX/XX/2022 for XXXX XXXX of {$120.00} through XXXX XXXX. 

The website states its same day appt but I havent heard from them, so I called and messaged them to have someone call em at XXXX but next me. I didnt hear back so I went to different provider and got medication for cheaper price. 

So when I messaged again for a refund, all of sudden the XXXX XXXX said they wont refund my money due to policy. They have no website about refund policy. So I asked cashapp for refund. Cashapp denied refund BECAUSE ON THEIR END IT SHOWES I MADE AUTHORIZE PURCHASE. they are so dumb. I never said i DIDNT make authorize purchase ; I said I didnt get my appt nor my medication so they need to return my money. I have proofs. Cash app is so stupid, honestly people shouldnt use cashapp as daily purchase transaction really, they are close to scheming scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An unknown collection account was reported to my Experian credit file for {$1100.00} and I have disputed the information online. Recently, I mailed a Debt Validation Dispute Letter to the collection agency certified mail, and it was received by the agency on XX/XX/. Experian will not update the account status on my credit file as being in the dispute process. Therefore, the collection is still reporting as current and late each month. This is a violation of the Fair Credit Reporting Act. I have contacted Experian, and they claim that the collection account is no longer on my credit file. However, when I log onto my Experian account, my credit file still shows the collection and once again, Experian have not placed this account in dispute status. In addition, once an account is in collections, it is a violation of the Fair Credit Reporting Act for the account to still be reporting as late and current each month.

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 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to you to make a formal complaint about my experience with Ulta Beauty. I believe that my consumer rights have been violated, and I am seeking a resolution to my problem. 

First and foremost, I would like to address the consumer laws and codes of banking that are in place to protect us from credit card debt. As a consumer, I have the right to fair and transparent terms when it comes to credit card accounts. I feel that Ulta Beauty has not provided me with this level of transparency and fairness. 

Additionally, I am currently not working due to medical issues and have been struggling to keep up with my credit card payments. Despite my efforts to make payments, I have been hit with high interest rates on my closed credit card account, which has only added to my financial struggles.

Company response to consumer: Closed with explanation