vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My mail address was changed XX/XX/XXXX. The servicer I have now is not the original loan holder. They have my email and phone number to verify info. 
My bill for XX/XX/XXXX was received 2 weeks late. My bill for XXXX was received several weeks late. I also questioned the rep about part of loan being forgiven due to attending the XXXX XXXX XXXX. They stated I was still responsible for paying the bill on time even though they never contacted my email and just kept sending invoices to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
This XXXX  amount is not owed due to my information being leaked while a customer first of all. Secondly this showed up on my credit report with no warning and no communication so that I could legally exercise my right to a dispute with this company. I want this entire amount of this debt taken off of my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: LEXISNEXIS
State: OK

Complaint narrative:
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
I have been in contact with the MN attorney general and XXXX regarding the unblocked device that I brought to my account that would not work due to how their representative added it. I then could not reactivate that line and they informed me that I would need to add a line which would cost more every month. I told them no as anyone would and they refused to assist. I involved everything I could to get a conclusion that fit both parties and nothing would work. Not even when the Mn attorney generals office got involved. XXXX XXXX XXXX  has a large amount of complaints against them for their business ethic I want this debt completely removed from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My name is XXXX XXXX, a Paypal customer with email address XXXX PayPal has locked my account for over 23 days ago and I was told to submit ID, bank statement and proof of address to unlock it and I was assured it would take XXXX business day. 

But this has taken forever ever since I submitted the requested documents. 

I would want PayPal to put things right for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX agreed to refund XX/XX/2023 purchase, but then only provided store credit. 

Barclay 's then refused to investigate after the charge was disputed, and declined to return my money.

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 monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023, I initiated a wire transfer from my checking account at Citibank to an account at Bank XXXX XXXX XXXX {$110000.00}, which was deducted from my account on that day. 
Neither Citibank nor anyone else informed me that the wire was not posted by the recipient bank. I had no indication of any problem until the recipient informed me on XX/XX/XXXX that Bank XXXX informed the recipient that the bank had rejected the wire. Ultimately, Bank XXXX provided a document claiming to have returned the payment on XX/XX/2023. That did not happen. 

I called Citibank XXXX XXXX on XX/XX/2023 to inquire as to why I had not received the {$110000.00} back in my account, and was informed by XXXX XXXX that Citibank had never received notice of the rejection of the wire, which should have been received. As a result, I initiated a recall of the wire in XX/XX/2023, which I was told by Citibank was my only option. 

On XX/XX/2023 my account was credited with {$110000.00}, representing funds returned by Bank XXXX at that time. However, the returned funds is short by {$4400.00} from the amount deducted from my account for the wire. The explanation given for the shortfall is the change in the exchange rate between XX/XX/XXXX and XX/XX/XXXX. This delay never should have occurred. The wire should have cleared or been immediately rejected. Bank XXXX claims it rejecyed it promptly, at which point Citibank should have demanded the money. Had it done so, I would have received roughly the full {$110000.00} in my account. 

I opened several cases with Citibank, none of which were given any real attention.

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 2023-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

Please remove these fraudulent accounts.

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 2023-11-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

Please remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2023, I saw information on my Chase app that they locked my account due to suspicion. I then called Chase several times, and they said that they could not tell me the specific reason, and they forcibly closed my account and made me wait for review. But as of today, XX/XX/XXXX, I still haven't received my money. The customer service had nothing but gibberish, and they couldn't tell me why and keep me waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Lowes agreed to a pay to delete. The Lowes account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my 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 explanation
Consumer complaint received 2023-11-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance Highest balance XXXX XXXX Account number This account was opened fraudulently and according to 15c U.S. code & 1681 c-2 must be removed in four days according to the fair credit reporting act.

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 2023-11-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the rights to privacy.

Please remove these fraudulent accounts.

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 2023-11-19 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: NC

Complaint narrative:
XXXX XX/XX/2023 I submitted a dispute with Equifax about the Account XXXX XXXX XXXX with a FTC report fraud report. The account came back Verified. I asked Equifax for description of investigation under section 15 USC 1681 ( 7 ) of the FTC. Never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am XXXX XXXX, I am a customer of PayPal with email address as XXXX Recently about 24 days ago PayPal to lock my account and asked for ID card bank statement and proof of address in order to unlock it. 

I have submitted the requested information but it's taking forever for PayPal to unlock my account and because of that I am laying this complaint for PayPal to fix things right for me and I'll remove this complaint as soon as my account is unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I contacted Discover in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called Discover today to get this delinquent reporting removed from my account and here is what they tell me : 1 ) when I called there was no balance and they agreed thats what the agent told me.

2 ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 
3 ) Discover NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?!

4 ) discover never texted me to let me know I was delinquent 5 ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side.

6 ) discover will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about.

7 ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 
8 ) why wouldnt discover call or text me to let me know?

9 ) why wouldnt I get multiple letters telling me I would be reported delinquent?

10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating Discover communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 
11 ) I would like Discover to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly discover sent a letter but I never got that either. Very possible we threw it away because discover mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a stupid error like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A mispayment was placed on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've paid the balance of {$44.00}.

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 2023-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/2023 Chime sent me a temporary credit of {$450.00} for fraudulent activity happening in my account. XX/XX/2023 fraudulent activity happened again my account was at a balance of {$740.00} fraudulent activity occurred again. I regained access to my account filed a dispute and chime did not reimburse me for my money that was stolen by identity thieves. I have been fighting day after day since XXXX waiting patiently for there investigation team to pay me but that are committing fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX comenity bank again. 
so this is 3rd complaint. they tell cfpb they have fixed my account etc. no they haven't. I just got a credit bureaus notice where they reported my account delinquent. eyh. I never git a bill to make a payment. plus they just noticed me 6 days ago they fixed all payments and have corrected my account. what did they do they can't find my payments they lowered my credit limit and then reported me delinquent comenity bank is really screwing up my credit and my payments. they need to be investigate for false pretenses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is attempting to collect on a debt for XXXXXXXX XXXX. XXXX XXXX  informed me that the account was being handled by another company XXXX in which the account was paid. XXXX XXXX updated the paid account to my credit report, but Portfolio Recovery has refused to remove the account and hasnt responded to any of the disputes. Verification can be viewed at XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I've had my current mortgage since XXXX. It's been sold a few times. 
It was bough earlier this year by Newrez. I received a letter dated XX/XX/XXXX that they didn't have documentation that I had required XXXX hazard insurance and they would be buying an expensive version of this insurance " for me ''. I called XXXX XXXX who confirmed that I did have this insurance with them ( I've had it for many years ) and that they had already informed Newrez when they bought my mortgage. They already had the info on file that Newrez had bought my mortgage. They uploaded the info *again* to Newrez while I was on the phone with them ( on XX/XX/XXXX ) and said it should all be good. 

I called Newrez back on XX/XX/XXXX with this info and the details of my insurance. They claimed they did not have this info and I emailed them photos of my XXXX XXXX insurance *again myself*. The Newrez agent confirmed that she received these documents and uploaded them to my account and all should be good and that NewREz would cancel their plans to buy me expensive XXXX insurance and that I'd get a letter to that effect. 

Instead, on XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) that was a " Second and final notice '' that i didn't have this HOA insurance and they planned to buy it for me at the ridiculous cost of $ XXXX ( my current insurance with XXXX XXXX is under XXXX XXXX  ). 

I now need to call NewRez a second time ( their hold time is long of course ) to fix this. Can your group be of assistance to assure this is fixed? Can NewRez be fined if this is a common practice of theirs? It smells like a scam to me to sell overpriced insurance to low-information homeowners. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

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

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 2023-11-19 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: SC

Complaint narrative:
I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.

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 2023-11-19 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: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.

Company response to consumer: Closed with non-monetary relief