vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Pivot Rock Solutions, LLC
State: CO

Complaint narrative:
A payoff statement was requested in XXXX  and XX/XX/XXXXXXXX Remittance was submitted to pivot rock solutions. A form 1099c was filed for XXXX  tax year without prejudice and accepted by the IRS. A 1099-C was sent to Pivot Rock Solutions at the beginning of XXXX. Per the IRS, consumers are not required to report both the income and pay of the debt after it is canceled or discharged. In re Reed, XXXX  PTC 105 ( Bankr. E.D. TennXXXX XXXX ). Pivot rock ceased communication on Friday  XX/XX/XXXX. I woke up to leave for work and my truck was missing. Per most recent email communication they closed the file and transferred the account back to The XXXX XXXX on XX/XX/XXXX. I was told to direct all communication to The XXXX XXXX. Pivot Rock Solutions is the lender for the buy here pay here program with The XXXX  XXXX. They also have breached the contract with numbers not adding up correctly, and city taxes not being stated on the Department of Revenue Standard Sales Tax Receipt, but they are on the Buying order. I believe the calculations are incorrect. On Friday XX/XX/XXXX XXXX XXXX XXXX, illegally repossessed the XXXX XXXX XXXX. Creating disruption of the quiet enjoyment. Appointments were missed, and emotional distress was caused to the trustee XXXX XXXX XXXX. I spoke with the Finance manager XXXX XXXX at the XXXX XXXX, and she transferred me to General Manager XXXX XXXX. He laughed at my pain, he said the 1099c form was not filed, he told me i should pay my bills and kept laughing at me. I asked if we could solve this and he told me to get my lawyer. I have left several messages and emails to the XXXX XXXX, with no response from them. XXXX XXXX XXXX filed taxes and paid taxes on the income notated on the 1099c ( attached ). A UCC 1 financing statement is on file with the Colorado Secretary of State ( see attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : ACCOUNT IS CLOSED FEW YEARS AGO AND XXXX INSERTED NEW REMARK ON XX/XX/XXXX AND FURTHER I MPACTING ME, MY FAMAILY AND MY CREDIT THIS COMPLAINT IS NOT A REQUEST TO GET LEGAL HELP. THIS COMPLAINT IS AGNIST XXXX, BEEN CAUSING HARMFUL IMPACT ON MY CREDIT, THAT HAS IMPACTED OUR DAY TO DAY LIVES ( FAMILY AND MINE ). 

XXXX HAS BEEN AND CONTINUED TO BE NEGELENT IN RESOLVING THE HARMING ITEM IN MY CREDIT. I HAVE BEEN FIGHTING AND STRUGGLING TO RESOLVE THIS ISSUE IMMEDITELY AFTER THE TRANSACITON OCCURRE IN LATE XXXX. THE CONTINUED ACT OF XXXX IS NEGELEGANT, INCONSIDERATE AND SHAMEFUL. 

I NEED HIGER LEVEL TO BE CONSIDERATE AND RESOLVE THIS NEGATIVE IMPACT WITHOUT DELAY AND DO THE RIGHT THING. 
PLEASE STOP XXXX TO CONTIUE TP ABUSE MY CREDIT AND CAUSING IMPACT ON MY DAILY LIFE. THIS IS TOO MUCH OF THE ABUSE OF POWER TOWARDS NORMAL AVERABGE CONSUMER AND SEVERE IMPACT BY 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 2023-03-27 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. 

XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. 
Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . 
XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. 
XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). 
So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. 

So please help on this, seeking assistance in getting the funds returned. 
CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, 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 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I purchased hearing aid services through Comenity Capital Bank 's XXXX on XX/XX/XXXX. We returned the XXXX XXXX and received a credit for most of what was owed, but had a balance of a few hundred dollars. On XX/XX/XXXX, I paid the balance on the account of {$120.00} online, which was due on XX/XX/XXXX. We assumed the account was paid and closed the account. On the back of the statement, it states if you pay the balance owed, there will be no further charges. 

We received a statement dated XX/XX/XXXX showing our payment of {$120.00} received but the statement showed a minimum finance charge of {$2.00} owed. My wife ( XXXX XXXX ) called customer service to question the charge but they would not talk to her because the account was opened under my name ( XXXX XXXX ). 

We received another statement XX/XX/XXXX charging, {$2.00} late fee, {$2.00} minimum interest charge and the {$2.00} balance from XXXX for a total of {$6.00} now due. I sent a certified letter on XX/XX/XXXX to request correction on the account, stating we had paid the balance in XX/XX/XXXX. I received a letter from Comenity Capital Bank dated XX/XX/XXXX stating they reviewed my claim and were researching it. They noted to allow 90 days to complete their investigation. 

I have continued to receive monthly statements with increasing fees and interest added. On XX/XX/XXXX, I sent an email through their Secure Message Center on their website, asking for a response and why I was still getting charged for an account that was paid off on XX/XX/XXXX. I received an email back on XX/XX/XXXX stating they saw a dispute filed on XX/XX/XXXX and it would take up to 90 days to complete the resolution. 

After receiving yet another statement dated XX/XX/XXXX, with more fees and interest, for a total now owed of {$99.00}, I sent another certified letter on XX/XX/XXXX asking for a resolution. It was now 120 days since my initial letter was sent on XX/XX/XXXX. I have had no response as yet and the account still shows a balance of {$99.00}. 

I have also found out that they are reporting my account as delinquent to credit bureaus. I do not see that they have noted the balance as disputed. At XXXX XXXX XXXX, this has caused me great aggavation and distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
Tried to contact credit bureaus to resolve and dispute item that was not mine, but I have had no luck. I also tried to get the addresses removed that do not belong to me and they have refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I was notified that I had a late payment with XXXX bank when I contacted XXXX bank they admitted that they made a mistake when they purchased XXXX bank and that is all automatic payments did not migrate to their system. I was under the impression that my payments to truest bank are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX bank representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX bank XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by 100 points because of the credit agencies actions as well as XXXX XXXX actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2023, I ordered a tankless water heater from XXXX XXXX for the amount of {$460.00} and paid with my PayPal account. Upon confirmation of this order, I instructed XXXX XXXX to require a signature due to the accessibility to the front door and porch pirate concerns. 
The item was supposed to have arrived the next day. It did not. There was some tracking information provided but I never got the call I requested upon delivery nor was a signature obtained. 
I contacted XXXX XXXX on this and they asked me to file a claim via my payment method which is what I did. I filed a claim with PayPal on this item and I provided them with the documentation on the required signature and on the fact that due to failure to deliver this item, I was forced to buy this water heater a few days later at XXXX. I provided this documentation to PayPal on XX/XX/23 and minutes later, they denied my appeal. 
Paypal is not reviewing or considering this documentation. I am requesting that they reverse this transaction and refund the {$460.00} into my PayPal account promptly. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
An account was placed with Spring Oaks Capital LLC for collection, they contacted me first in XX/XX/XXXX with a dunning letter, not recognizing the debt I immediately sent a validation letter. They failed to respond until XX/XX/XXXX and the validation was a copy of a single card statement, no proof of ownership of the debt by myself, and no proof that the account t had been transferred to their company. I wrote again requesting the information and received correspondence indicating it was the same matter already investigated and they wouldnt investigate it. I sent another email clarifying what I was requesting and that a card statement does not prove ownership, application for the card, or that their company is authorized to collect the debt. They once again responded that the dispute was the same and had already been investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MA

Complaint narrative:
In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with discover. I balance transferred {$3000.00} from my XXXX XXXXXXXX credit card to Discover. Then in about XXXX weeks I noticed the XXXX was on both cards. The discover was up XXXX. The XXXX XXXX still showed the full balance. I called discover. They said that XXXX XXXXXXXX list the payment and was never cashed. Discover said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from discover I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in discover and have lost sbout XXXX points in my XXXX XXXX XXXX one at discover will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXXXXXX. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Every payment had late fees added to the statement. Even though I was never late on those payments. 
Spoke to an agent and he was answering my question with questions and could not be upfront on why I was getting different amounts of late fees every 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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I have a direct deposit come in every month in the amout of XXXX from the department of veterans affairs for XXXX compinsation and it was sent out on XXXX XXXX and now cashapp is saying they dont have it. It has been XXXXhree business days and i need to see if yall can help me find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
I have been hospitalized 5 times this year. I just got out of the hospital and trying to recover. I have no what provider is trying to collect on this debt, where I supposedly received treatment or who provided said treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX. She stated that she could not give me her employee ID number. I called regarding my concern of late payments reporting on my credit profile. XXXX stated that TransUnion never received my letters. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. The late payments reporting on report is inaccurate and by law should not be on consumer report. 
TransUnion decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-03-27 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Sir : I had a previous BJ 's Credit Card issued by Comenity Bank. At some point in XXXX I realized that Comenity bank was going to drop their BJ 's Credit Card Customers and transfer their association with BJ 's to XXXX XXXX XXXX.At this time I closed my BJ 's Comenity Bank Credit Card and paid my bill in full.

After I closed my account I began receiving Bills from Comenity BJ 's that I owed a small amount of money which I did not believe I owed. I sent Comenity Bank a letter hat I disputed the amount owed and wanted their subsequent notice that this amount was in dispute. 
In XXXX of XXXX Comenty Bank transferred {$130.00} bill over to XXXX XXXX XXXX XXXX new Credit Card which hey had sent me to activate for purchases.I did not activate his card and after contacting XXXX XXXX XXXX they reduced the amount owed by taking off {$40.00} which was charged for late fees.The {$130.00} which Comenity Bank states I owe is made up of late fees and interest fees and not any purchases I made on the Comenity Bank BJ 's Card.Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I submitted a complaint on XX/XX/XXXXXXXX  and your company got this information on complaint XXXX ( Included here ). 

ON XXXX you responded with " Company responded '' and " Closed with explanation '' Santander sent a letter, ( included here as well ), stating that they have NO ACCOUNT with my name on it! And they want VIN number, billing statement, contract etc. to verify IF THEY EVEN have an account under my name. 

I have given them my social, name and address as I have no VIN, NO contract etc because this is not my account! 
Would you please have them DELETE THIS ACCOUNT from all credit bureaus including XXXX, XXXX and XXXX PLEASE! 

How can you report this on my credit when you do not know who I am!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXXXXXX 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause 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