vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I was contacted by The CBE Group, Inc - attempting to collect a debt from online seller XXXX for a debt I am not aware of - nor do I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received an email stating that my loan was approved on XX/XX/2023 and expect my funds to be deposited into my account. The funds of {$1000.00} was deposited into my account on XX/XX/2023. I did not apply or request any type of loan from Cashnet USA. I contacted CashNet USA to let them know I did not apply for any loan and they stated they will reverse the funds out of my checking account and close this account with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I received a 1099-INT in my name, address, and social security number for a XXXX XXXX XXXX in the amount of {$740.00} on or about XX/XX/XXXX. I have no XXXX XXXX XXXX nor do I have account with PNC. I have called PNC and visited a local branch in XXXX, XXXX on XX/XX/XXXX. The Assistant Manager promised to investigate but after more than a week could only provide the date of the alleged transaction ( XX/XX/XXXX ). They told me that there was nothing else that they could do. This was a either a blatant error by PNC or they were party to a fraudulent transaction. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I want to open a complaint against American Express for breach of contract. 
American Express allows customers as it is advertised, to transfer American Express points to a number of other airline partners ; XXXX of these partners is XXXX XXXX XXXX ( XXXX ). However, I have been denied the ability to enjoy this benefit because I was given XXXX last names at birth as a XXXX XXXX  descendant. I believe this constitutes a type of discrimination against minority communities. 

Both companies Amex and XXXX have confirmed that a total of XXXX transactions were attempted to transfer from American Express to XXXX for XXXX miles ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to XXXX the registered name that American Express showed is XXXX as the last name and XXXX as the first name when the transfer is initiated. In this sense, I have provided American Express with my full name as it appears on my passport, however, according to XXXX whenever a transfer of points is initiated Amex only send to them " XXXX XXXX '' causing XXXX system to reject the transaction due to name mismatch. 

My full given name is " XXXX XXXX '' and XXXX last name " XXXX XXXX ''. Despite trying to work with Amex to fix this situation they have been unable to offer XXXX. I have not been able to use my Amex points with XXXX to buy my airline ticket, excluding me from using their service, on the other hand, other customers don't have this issue. 

I don't understand why Amex systems when a points transfer is initiated is not sending to the airline partner my full XXXX last names " XXXX XXXX '' as it should be and choose to assign me only XXXX last name. 

In this sense, the only solution I can think of is to buy the airline ticket using cash, however, I believe Amex should accept the responsibility that their inability to offer a solution is what caused me to pay cash for this ticket when I would have used my points like all other customers have the opportunity to do as long as you are given XXXX last name at birth, in this sense, this constitutes financial damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello. Since last year I have recieved countless call from Portfolio Recovery, attempting to collect a debt. At first I answered and advised to send me paper mail but the calls continued and now they come from different numbers. Ive blocked them but now get new numbers under the same business name calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 Wells Fargo accepted a levy  filed from XXXX XXXX on the behalf of a XXXX  XXXX. The account levy did not originate from the state in which the debt was owed. The loan origination was in XXXX  while the account was in XXXX. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied  did not belong to me it belonged to my elderly parents. They opened a savings account in XXXX  for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Shellpoint Mortgage encouraged me post Covid/government shutdown to do fearbearance plan. Said it would go to the end of my loan and was to help me not hurt me. Then they reported this year on my credit report as delinquent but I was not when Id call them! Then they said the only way to fix it was to do a modified loan which added 10 years to my mortgage! I did and all they did was mark the delinquency as late pmts. They also have pmts I made during government shutdown as no record and I have proof of my pmts. Also now they are posting on my credit report again no record of pmts. I credit score went from XXXX to XXXX! I cant even get a small loan or refinance now. Ive made numerous calls and emails and Im always getting a different story! They are no help and this has been a nightmare and has ruined my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
On XX/XX/2023 I sent a dispute via USPS certified mail to Lexis Nexis asking them to update my personal information and remove all wrong names, old addresses, phone numbers, emails, etc. According FCRA 15 U.S.C. 1681 602 ( A )... I have the right to privacy. Also FCRA 15 U.S.C. 1681 604 ( A ) 2 states ... '' a consumer reporting agency, ( Lexis Nexis ), can not furnish an account without my written instructions. I did not authorize any company to access my consumer disclosure report/credit score. I do not have nor want any requisite names, aliases, and/or other inaccurate information to be retained on my report without my written consent. I never received the receipt from Lexis Nexis saying that they received my mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, Transunion, and XXXX. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my Trans Union and XXXX are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
I deposited {$7400.00} of XXXX Formatted USDC crypto currency into my Binance.US account address on XX/XX/2023 Binance.Us customer support stated the network was incorrect. 

Under their Website page of supported assets and networks, it states XXXX format is accepted for USDC crypto , giving no other description of network in which XXXX can be sent i.e XXXX  or otherwise. 

Binance.US does have the currency in their possession. In my wallet address on their exchange. The balance amount of {$7400.00} has not been released into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from Chase Bank XXXX XXXX ) informing me there was fraudulent activity on my account. I looked up the phone number, and it registered to the local chase bank. 

The individual provided me with my backup phone numbers on the account ( i.e, my in laws ), and asked me my chase security questions. He then sent a text message from Chase and asked me to confirm the number sent to confirm I am who I say I am.

Ultimately, he added my chase debit card to his XXXX XXXX He was not Chase. I called Chase immediately, and they thought they stopped it. However, they did not. He was able to take {$380.00} from my savings and {$500.00} from my checking. A total of {$880.00}.

I contacted chase, and even though I filed a police report ( which I can provide if necessary ) and had proof of the transactions taking place at two separate Chase ATMs, ( I can provide the addresses ), they are not refunding the money. Stating that they can not control XXXX XXXX  and they did an investigation and said because I provided him with the text number, I was delinquent. 

I also asked Chase how he knew all of my information from Chase. Including all my security questions. And how he was able to send me the text message from Chase. They did not have an answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
This complaint is directed at Navient regarding a student loan in repayment. Navient has gotten to the point of harassing myself and my daughter both via email and through phone calls. We each receive at least XXXX communications per day. In XXXX XXXX, a payment plan was setup with them. Over the last XXXX  months payments has been made and I personally sent an email to their customer service with an attachment showing the payments had been made and received by their system including a pending payment for XX/XX/XXXX. They continually call and email to harass us for payments, ignoring my communications as proof of payment. 

Every time my daughter reaches out to speak with them you get a different CSR on the phone who has no idea or record of what has been discussed or the payment plan that was agreed upon so it's like starting from scratch once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX  account ending in XXXX, has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am complaining about Equifax 's refusal to provide information about why my credit score dropped and how I can restore my old, higher score. I spoke to Equifax on XXXX XXXX, XXXX  as soon as I was notified by XXXX  about the drop in my credit score. 
Both the agent and supervisor I spoke to at Equifax refused to inform me what factor caused my credit score to drop and what actions I might take to restore my credit score to the old higher score. The supervisor told me that only XXXX XXXX  has that information. Only when I asked for contact information for XXXX XXXX, did the supervisor reveal that XXXX XXXX is not a separate company ; it is the model that Equifax uses to calculate credit scores. I feel that the supervisor was being cagey by not telling me originally that XXXX XXXX  is Equifax 's own internal secret model, and that, therefore, the supervisor has no way of telling me, the consumer, how to reverse the drop in my credit score. The supervisor said it could be that my opening a new credit card caused my score to drop and I might be able to figure that out when I get a copy of my credit report. When I asked if it turned out it was the new credit card that caused the drop in my score, could I improve my credit score by closing the new credit card account, the supervisor said he had no way of knowing. In fact, he said, closing the new credit card might cause my credit score to drop further rather than improve. This refusal to give specific information about what made your credit score drop and how ro repair your score is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX  encouraged me post Covid/government shutdown to do fearbearance plan. Said it would go to the end of my loan and was to help me not hurt me. Then they reported this year on my credit report as delinquent but I was not when Id call them! Then they said the only way to fix it was to do a modified loan which added XXXX  years to my mortgage! I did and all they did was mark the delinquency as late pmts. They also have pmts I made during government shutdown as no record and I have proof of my pmts. Also now they are posting on my credit report again no record of pmts. I credit score went from XXXX to XXXX! I cant even get a small loan or refinance now. Ive made numerous calls and emails and Im always getting a different story! They are no help and this has been a nightmare and has ruined my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, Could you kindly assist me with my PayPal account? 
I regularly use my PayPal account to offer XXXX XXXX XXXX XXXX XXXX. I accept payments from clients using the PayPal checkout button on my website, which is connected to my PayPal. I also withdraw money from my account once per day once the transaction is over.

I just got a notice from Paypal when I opened my email address, indicating " You can no longer do business with PayPal ( Ref ID - XXXX ) '' .I assumed that this was a system error. 
As a result of finishing all of my XXXX XXXX, I have a strong selling history and no issues.

There are no pending cases on my verified PayPal account.

I use it for business purposes so that clients can pay me using the PayPal checkout on my website.

When I called customer service about my problem, they said that a system had automatically blocked my account and those of others.

Please assist us in resolving this issue. In addition, would you kindly review and restore my account so that I may continue to use it for business? I am prepared to provide all necessary documentation, including screenshots of my financial transactions and the website where the funds originated. Please lend a hand as My Paypal account was crucial.

I'm hoping I can count on you for this.

I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/23 I received notification from XXXX that a hard inquiry was placed on my credit report. Someone applied for a credit card with Comenity Bank under my name. I have not applied for any credit cards recently. There is already a fraud alert and Comenity Bank should not have allowed an application to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
In 2009 I took out XXXX loans with AES for my higher education. I calculated my payoff time/date and knew when my outstanding balance would be cleared. This company arbitrarily decided, without warning, to under withdraw XXXX monthly payments. A move that was a clear deliberate attempt to prolong my debt and a breach in trust to the indebted, myself, in doing so. My total balance would have been paid off on the XXXX of XXXX had they continued withdrawing payments in the way that I have deliberately chosen to have automatic monthly installments dispersed. They undermined me, my choices, without warning or notification. No email contact, no paper contact through the mail, nor contact by phone. Full well knowing they could squeeze out a few more cents out of me by doing so. They have millions of borrowers nationwide. Imagine how many others they do this to on a monthly basis. You can figure it out with a general idea. By getting over on people like this they are not only behaving nefariously and in bad faith, they are also doing serious harm to people by prolonging their debt. All in an attempt to enrich themselves with a few pennies or a few extra dollars per borrower. Upon calling and speaking to a representative I was told that they can do decide how much to withdraw from me once a single loan in my outstanding balance is paid off in full. So in essence upon seeing that I was about to be paid off they defaulted my withdrawal amount to half of what I intentionally chose and calculated myself to prolong the debt for another month. Complete total XXXX. Absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.

Complaint narrative:
1. XXXX XXXX repossed my car even though i was in the XXXX  and protected under SCRA in XXXX. I called the lender and they said they didnt care and that i have no right because i owed them money. I WAS NOT AWARE OF MY RIGHTS under SCRA.

The reporting of that account is wrong on payment amounts, dtaes the account was closed and the date of last reporting. Its different across all 3 credit agencies and i put a dispute some time ago and they reported that everything was correct. The dates do not match up to eachother from ahency to agency. 
2. XXXX XXXX, XXXX, XXXX  also failed to get accurate date on last reported and last payment dates. Sent dispute to credit agencies and came back validated. Still the dates do not match from agency to agency. I need help. I am trying to fix my credit and I can not tell what debt is mine and what is accurate or what is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On Wednesday XX/XX/2023. 

I contacted all three credit agencies, XXXX, XXXX, and Equifax. I realized that there are credit inquires on all three of my credit reports that I did not authorize. 

XXXX was the only Agency that removed the unauthorize credit inquires.

Credit Inquires that I did not authorize and should be removed from my XXXX XXXX and Equifax are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation