vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
Had a 3rd party call and leave a voicemail saying they were going to show up to my home or place of employment I tried to contact the number given on voice mail. A XXXX XXXX only referred to company as XXXX was very aggressive via phone wouldnt answer questions and was sarcastic conniving when asking for manager

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 2025-02-27 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I'm complaining to CFPB because XXXX company has refuse to resolve my issue and been over XXXX months now. Case number is XXXX & Card number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX BANK NA # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX & XXXX I deposited a total of {$79000.00} to my TD bank account. By the XXXX my account was put into a no check status. I was in constant communication with TD 's XXXX  department until finally on XX/XX/XXXX TD decided to return the funds to coinbase ; which is where the funds initially came from. It has been XXXX weeks since then & the funds have not reached my coinbase account. I have been in contact with coinbase & they have requested a proof of return document that includes the transaction ID, reason for the return, the date the funds were returned & the amount that was returned. Could you please escalate my situation to the members of your leadership team. I have not had my money in nearly a month because TD bank decided not to accept my deposit & it has become detrimental to my life financially & mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a dispute with XXXX  for credit card fraud from identify theft where someone rented a vehicle in my husbands name and charged it to our credit card from XXXX XXXX. I opened a dispute with XXXX who told me the claim was denied despite this being identify theft and despite me letting them know I was in contact with XXXX who advised I must file the claim with them. I reached out on numerous occasions being escalated when asked to provide proof on how this is denied when this is 100 % fraud with no responses. They closed my account sending me my card to collections and never returning calls with information on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Mortgage is not automatically cancelling private mortgage insurance despite XXXX ratio being well below 78 % for several years. My mortgage is current and no payments have ever been late. 

Additionally, I am paying {$51.00} monthly in escrow for private mortgage insurance, however ; beginning in XXXX 2024 through today, PNC is disbursing {$18.00} monthly to the mortgage insurance carrier as proven in my account transaction history. Although, the 2024 Escrow Statement inaccurately shows PNC disbursed {$51.00} to the PMI carrier for the months of XXXX and XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
I received alerts on my phone that my card was used for Fraud for several XXXX XXXX  charges I did not make. I reported to chime that my card was used and I requested a new one. I made a claim for a dispute and days later I saw that Chime denied the claim even though I provided pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX2025 ( date my wages was garnished as I never received an actual court order ) against me, XXXX XXXX for an alleged debt. 


I, XXXX XXXX contacted my Department XXXX  XXXX XXXX and they provide me with the order provided to them from XXXX XXXX XXXX, Court Officer. XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX When, I XXXX XXXX received the paperwork from the Department XXXX XXXX XXXX I notice that the judgment dated XX/XX/XXXX and the court issued dated was XX/XX/XXXX. I, XXXX XXXX was never notified or received any paperwork of either of these dates. 


I, XXXX XXXX contacted Portfolio Recovery to request a tracking number for the documents I was suppose to receive and they did not have such information. I, XXXX XXXX also contacted Court Officer XXXX XXXX XXXX and there was no response. 


On XXXX XXXX, 2025, I XXXX XXXX received a letter from Portfolio Recovery Associates , LLC dated XX/XX/XXXX informing of a Notice of Application for Wage Execution after they had already taken the wages on XX/XX/XXXX. 


XXXX. Failure to Provide In accordance with New Jersey Court Rules and the FDCPA, before garnishment, can proceed, a debtor must properly notified of the judgment and the garnishment order. Specifically : XXXX XXXX XXXX, the debtor must be given proper notice of the right to request a hearing to dispute the garnishment. 


The FDCPA ( 15 U.S.C. XXXXg ) requires to the creditor to notify the debtor of the debt and provide an opportunity to dispute it before taking legal action to collect it. 


In the case, Defendant XXXX XXXX was not served with proper notice, nor was there a meaningful opportunity to contest the garnishment before it was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX BANK # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
On XXXX XXXX I sent a payment from my bank to cover the escrow ( property taxes ) on my mortgage to Village Capital & Investment LLC. I sent a check for {$4400.00} the memo said apply to escrow only ( this payment along with what was in the escrow account in XXXX would cover the property taxes ). The payment was applied to the principle which resulted in an escrow shortage. I have called the company numerous times, I have spoken to XXXX, XXXX, XXXX, XXXX and XXXX, none have been able to fix my account. Now we are in XXXX and XXXX told me today that they will fix it by XX/XX/XXXX. 
I have called, and I get nowhere, I have emailed and have recieved no response. 
Additionally, the company incorrectly imputted my property taxes in the amount of {$5100.00} when the property tax bill says {$5000.00}, they have since resolved this inacuracy. However I have been charged a fee of {$60.00} on XXXX when they recieved my payment on XX/XX/XXXX, my payments have been on time and over the minimum payment. 
I sent an additional {$730.00} to cover my escrow for XXXX and XXXX in addition to what the inaccurate charges that were already paid. This payment was also inaccurately applied. 

Back in XXXX I was sent a check for overpayment on the escrow and a new lower payment starting in XXXX, I changed my autopay to keep the payment the same amount thus paying an extra {$400.00} to the principle. Village Capital took out the payment and an additional {$400.00} out of my account. Even though they sent it to me in writing what the new payment would start in XX/XX/XXXX. Then I got another statement that the new payment would start in XXXX of XXXX, I guess to cover their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Credit Karma, LLC
State: OK

Complaint narrative:
I have been trying to secure this account with Credit Karma since XX/XX/year> when someone hacked my account and used the virtual card to spend XXXX and XXXX at XXXX XXXX online. they assured me that changing my email and password would fix it and that 2 factor authentication was set up. It was not and the next week the hacker tried to access the account multiple times, then on XX/XX/year> they managed to instant transfer XXXX dollars out of my account after i had told the company I wanted the account frozen and they did not freeze it. Now they are saying that there is no fraud and I authorized it but the documentation shows the IP they are basing the decision on is the same on that initiated the XXXX XXXX charges that were already disputed and returned to me they have failed to properly secure my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I politely asked them to veify that the information reported is 100 % accurate and that you can fully verify it. Otherwise will you please remove it from my credit? 

It was from a debt collecting agency " LVNV Funding LLC '' Of XXXX $ And XXXX XXXX XXXX was another Debt Collector of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name 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 XXXXXX/XX/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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am reaching out to dispute inaccurate information on my credit report and request an immediate investigation. As a consumer, I have the right to ensure that my financial records are fair, accurate, and verifiable under federal law. 
Upon reviewing my report, I noticed errors related to certain accounts and inquiries that should not be listed. These inaccuracies could be in violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding privacy rights, reporting timelines, and data accuracy.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-02-27 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I bank with Santander, I called them XXXX XXXX XXXX because someone was sending money from my account to XXXX XXXX i dont use XXXX XXXX and never did as i have a bank account no point of me using that. They said they will investigate, its been 10 days and they never gave me a provisional credit when they said they will give me a provisional credit. I dont know what to do in this situation.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

ACCOUNTS ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Loan Science, LLC
State: GA

Complaint narrative:
Dear Loan Science, I am writing to formally request validation of the alleged debt associated with account number XXXX, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I recently received communication regarding this debt, and before I take any further action, I require verification to ensure the validity and accuracy of the claim. 

Please provide the following information : The name and address of the original creditor. 

A detailed account statement outlining the amount owed, including principal, interest, fees, and any other charges. 

Copies of any agreement or contract that legally obligates me to repay this debt.

Proof that Loan Science has the legal authority to collect this debt. 

A complete payment history, including any payments made or applied to the balance. 

Until this information is provided, I request that all collection activities, including reporting to credit bureaus, cease as per my rights under federal law. 

If you are unable to validate this debt, please confirm in writing that you will cease collection efforts and update any relevant credit reports accordingly. 

Please respond to this request in writing within 30 days of receiving this letter. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against LOAN CARE for failing to respond to my complaint within the required 30-day timeframe. Despite my repeated attempts to resolve this issue, I have received no response from the company within the mandated period. 

Here are the details of the situation : Complaint Reference Number : XXXX Mortgage Company Name : LOAN CARE Nature of the Complaint : billing errors, incorrect charges, failure to adjust and remove PMI Date of Initial Complaint : XXXX XXXX Expected Response Date : XXXX XXXX It has now been well beyond 30 days since my original complaint was submitted, and I have not received any communication from LOAN CARE regarding this issue. This failure to respond has caused me significant frustration and hardship. I was expecting a resolution to my complaint within the regulated timeframe, but their lack of action leaves me in an unresolved and vulnerable position. 

As a consumer, I feel that my rights have been disregarded. I am requesting that the CFPB take immediate action against LOAN CARE for failing to meet its obligations to respond within the 30-day period, as required by federal law. I would also like to explore legal action or further regulatory enforcement to ensure that this issue is addressed and that my complaint is properly resolved. 

I respectfully request that the CFPB : Investigate the failure of LOAN CARE to respond to my complaint in a timely manner. 
Take appropriate regulatory action against the company for this failure to comply with the CFPB guidelines and federal consumer protection laws. 
Facilitate any necessary legal actions or provide assistance to resolve my complaint and hold the company accountable. 
Please let me know if any further information is required to support this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance.

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