vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NH

Complaint narrative:
My apartment complex said we owed damages upon move out which there were absolutely none. We left the complex in a better condition then when we moved in. 2 months after we moved out, I received notification from IQ data saying they had sent these " damage '' fees to collections, when the complex never even contacted me via mail, phone email etc. I even called the complex and they said they had nothing on my profile regarding any past due balance or damages so I don't know why it would be sent to collections. I reached out to IQ data, they told me to email their dispute department which I did. They then said that the dispute was denied and debt was validated because of proof, but I never received anything from them. What proof is there? No one has even said WHAT the damages were! Nevermind there being no photos or proof of said damages. When I called customer service at IQ Data they were extremely rude and no help, saying the only thing I could do would be to pay this to get it off my credit and was not listening to me at all. I had mentioned that I spoke to my dad about the situation & that I was considering per his advice taking them to small claims court. When I asked them to email me any of the info regarding this dispute, validated debt etc. the agent refused and responded with " Why don't you ask your dad? '' which was very condescending. They said they would re-mail the so called " proof '' that I never got in 5-7 business days but that was it. I have already started a small claims court case. This company is fraudulent and should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I own a sporting goods retail sales shop focusing on skateboarding supplies, hardware, shoes and apparel. Additionally I hold skate camps in the summer in cooperation with XXXX XXXX XXXX in XXXX XXXX Pa. The shop has been known as XXXX since XXXX, I bought it in XXXX incorporated as XXXX, XXXX in Pennsylvania. Since XXXX, for about 3-5 camps a summer, including three this year, XXXX XXXX has reimbursed me for each camper in a check made out to XXXX. This was done about 25 times and each time Santander cashed the check. All good. Santander changed their practices, I guess noticing that the DBA name of XXXX was not in the PA legal entity name of XXXX, XXXX. It will take quite a while for me to change the legal / dba name, which I have started. No problem, understand. What I have an issue with is that instead of returning the money to XXXX XXXX XXXX, and having them re-issue a check to me made out to XXXX, XXXX, their fraud department is just holding the money. They have given me a reference code of # XXXX for the return of the money. The issue is after holding money that was not fraud, and not theirs, they say after 3 weeks that it may take another 30 days. This is unacceptable for the operations of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
mI am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trae Commissions Identity Theft Affidavit. Please delete the items as soon as possible this is affecting my life now that I'm done with school and I was looking to get mortgage for my family and notice I have over 40n inquiries most was from the same company this has shown careless actions on whoever bruisey 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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I HAVE A BJ 'S MASTERCARD THAT PAYS 5 % FOR BJ XXXX PURCHASES. I NOTICED RECENTLY THAT I WAS NOT GETTING ANY REWARDS FOR MY INSTORE PURCHASES AT BJ 'S. I CHECKED MY BILL AND FOUND OUT THAT I WAS NO LONGER GETTING THE 5 % BUT WAS GETTING 0 %. I CALLED CUSTOMER SERVICE AND THEY ADVISED ME THAT STARTING ON XX/XX/2022 THEIR SYSTEM WAS NOT BEING UPDATED BY COMMENTY BANK. NO ONE FROM BJ 'S MASTERCARD CONTACTED ME OR ANY OTHER CUSTOMER AND ADVISED ANY CUSTOMER OF THIS PROBLEM! DURING THIS TIME, I HAVE SPENT OVER {$1000.00} AND HAVE RECEIVED 0 % REWARDS POINTS! THE BJ 'S CUSTOMER SERVICE CLAIMS THE PROBLEM WILL BE FIXED BY THE END OF XXXX, YET THEY HAVE NOT ADVISE ANY CUSTOMER OF THE PROBLEM! I AM NOT SURE IF I WILL BE REIMBURSHED FOR MY LOST POINTS OR NOT! I AM CONSIDERING THE CANCELLATION OF BOTH MY BJ 'S MEMBERSHIP AND CREDIT CARD DUE TO THEIR DECEPTIVE ACTIONS! THEY SHOULD BE FINED FOR THEIR DECEIPT AND DISHONESTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I redeemed points on XX/XX/XXXX from my Chase Sapphire XXXX XXXX credit card for a roundtrip flight to XXXX from XXXX XXXX. In XX/XX/XXXX I decided not to go on the trip and cancelled the reservation. I was told by the representative that I would have an XXXX XXXX flight credit in the amount of {$910.00} for use before XX/XX/XXXX. On XX/XX/XXXX I called to make sure my flight was cancelled because I kept receiving emails stating my itinerary changed. The representative informed me that the previous representative only cancelled one flight and not the roundtrip reservation. She went ahead and cancelled the remaining flight and I asked her to send me confirmation via email of the cancellation. She sent me 2 emails for Trip ID XXXX confirming the cancellation. On XX/XX/XXXX I called to redeem my flight credit for a trip to XXXX XXXX, XXXX XXXX. It was EXTREMELY difficult to understand the offshore rep from the XXXX, XXXX, because she had a very strong accent. She did not explain tome that there were 2 separate flight credits, one for {$550.00} and another {$350.00}. They originally redeemed my points but created separate airline confirmation codes ( not roundtrip ). She failed to thoroughly explain that the unused credit for EACH flight would be forfeited. I thought she meant the unused credit for the entire roundtrip flight would be forfeited. She processed the departure flight for {$310.00} and didn't explicitly state the difference of {$240.00} on that flight could not be used toward my return flight. I asked to speak to someone in the US because I could not understand her. She transferred me to a manager named XXXX who stated that I should have asked for more clarification. I was on the phone with them for 2 hours and 15 mins. This is the worst experience I have had regarding travel ever. Airlines don't process separate transactions for a roundtrip fare so how would I have known this. There was 1 Trip ID for the roundtrip flight reservation. The representatives should state that they are going to process the first transaction for XX amount and you will forfeit XX amount on this reservation for each flight so that consumers understand that the remaining balance can not be used even though it is for a roundtrip fare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!

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 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
On XX/XX/2022 I called creditors discount & audit co. to settle a debt from rehabilitation after XXXX XXXX XXXX. I asked how much they would settle out for and they told me XXXX of a XXXX debt.i called back 5 minutes later to ask them if they would take payments on the verbal settlement over the phone and the representative " XXXX XXXX '' said yes so I them made XXXX payment and called the next week to pay off my balance in full and was told my balance was XXXX so after explaining to her that they said I could make payments she then responds to " I misunderstood '' and telling her all of their phone calls are recorded she then said " yes we messed up and your balance is XXXX '' after that I insisted to talk to a supervisor she then transferred me to her supervisor and left a message and a week later after no phone call I called back because obviously her supervisor doesn't care so after saying I just want to get it over with I said I'll pay the XXXX and circled back to the first conversation and reminded her again that she said she messed up and the balance was XXXX so again asked to speak to her supervisor and left a 2nd message and no call back " 2 weeks ''. So after careful consideration I feel that this is an obvious unfair and deceptive practices. I'm trying to pay my debt to improve my credit score and cant even though I'm honoring to the settlement agreement and they are not " reneging ''. I never thought I might have to sue to pay my debt settlement agreement.

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 2022-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I did not receive validation of debt via mail or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
Southwest Recovery is trying to collect on 2 debits that are due to identy theft. 

They claim i opened a account on XX/XX/2020 and have collections for {$650.00} and {$1300.00} they have not provided me with anything when i called and told them i am a victim of identity theft. They have shown gross negligence when handling the issue. They have no provided me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: FL

Complaint narrative:
Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have a student loan, I went onto my account to see the balance. It said XXXX  when I wen to see loan history, I saw that on XX/XX/22, it was sold. I was given no information about this and can not seem to get a response account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act convergent account number 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 explanation
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I contacted the company regarding their violations of my consumer rights by furnishing information that is not allowed by law, in accordance with the FCRA. There are accounts listed on my consumer file for XXXX XXXX XXXX XXXX, that I have disputed with the company on more than one occasion, requesting physical verification and validation of this alleged debt. I still have not received any physical verification, just a letter stating it was verified, through no proof violating 15 USC 1692g and 15 USC 1681i. I, the consumer, never ever gave and consumer reporting agencies consent to report any information concerning my accounts. Without obtaining my consent, this is identity theft. The FCRA clearly outlines what should be excluded from a consumer report, pursuant to 15 USC 1681a ( d ), income shall never be included in a consumer 's personal file. A charged off debt is a source of income in which a 1099 should be received by the consumer, and this can not be added in the consumer file. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), late payments are to be excluded from a consumer report. There are late payments showing on XXXX XXXX and XXXX XXXX XXXX, that the company refused to remove.

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 2022-08-24 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:
Ongoing Issues due to identity theft. Please see attached FTC Report 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 2022-08-24 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: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an 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 explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: MA

Complaint narrative:
In early XXXX my card would not work twice. I contacted the discover credit card company who informed me that three statements and two letters had been returned to them marked by the United States post office as undeliverable. When I heard that my card had been shut off and that my payments were overdue on that phone call with discover I electronically transferred the entire funds to cover the balance of the account immediately from my checking account. In XXXX I received a call from my insurance agent who told me that my homeowners bill was returned as undeliverable by the post office, after receiving one letter returned... they called me immediately... discover never contacted me. Over a year and a half ago I changed from a post office box to a street address using a address forwarding card with the post office. I thought I was receiving all my mail but evidently only half of it I filed a complaint with the United States XXXX XXXX online in 15 minutes I had a call from the XXXX supervisor I was put on hold and the supervisor returned telling me that my street address was not in the system and that the route driver who was out had not updated his route in a year and a half. I called back to the Discover Card Company and explained what the supervisor told me from the United States XXXX XXXX, Discover waved the late fees but reported me as being delinquent anyway. I asked discover account manager if they would remove the bad marks on my credit my credit... .it had dropped from XXXX to XXXX the account manager said they would not. I asked the postal supervisor if they would contact the credit card company or the credit bureau and explain what happened ... .her reply was we don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In XXXX I starting going to school at XXXX XXXX. I graduated in XXXX. They took out XXXX in private student loans. I didnt realise at the time that they were extreamly high interest. Today I know owe XXXX. 

I have only paid XXXX in principle and XXXX in interest. I have paid XXXX over the origional loans in just interest. I have had these loans for 17 years and owe double the origional loans. 

I have seen multiple lawsuits against ITT tech and others have had their private loans canceled. I have spoken with Navient countless times and their only options are do an interest only payment to get it to a payment I can afford. Thats just adding to the issue. 

Please help get these loans canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Date opened XX/XX/XXXX Charged off XX/XX/XXXX Paid/settled XX/XX/XXXX I have contacted TD bank / target credit. After settling and paying off this collection they told me in 7 days. XX/XX/XXXX they would email me a XXXX balance letter and in 30 days a final settlement will come in the mail. The account is verified paid and not owed. This company is not allowing me to remove and delete the file on my consumer report. This account is closed and settled. It is my responsibility to monitor my consumer report. This negative reporting by this company is stopping me from renting an apartment. I need it removed and deleted off my account immediately. I can provide the information proving leasing desk is using this collection against me and it's hurting me. please remove and delete. I have rights to say who can report on my consumer report. Please contact them, they do not have the right to deny a deletion which was reported on my account deny me my rights and breaking federal law. Thank you again this is an attempt I am asking to politely remove this account which I can no longer use or open. Collection is verified as paid and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase global says I dont have an account Ive contacted them several times since XX/XX/2021 its about those guys the Feds arrested

Company response to consumer: Closed with explanation