vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
All the details remain from my previous complaint. 

However, since then, they charge me again, after specifically being told, they do not have permission. Because of this, I am unable to eat. 

The payment below was not only unauthorized they were specifically told not to charge my bank account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I want to pay my bills, but just can't pay now. I'm planning on making sure they get paid, have notified all my creditors involved and asked that they note that XXXX XXXX XXXX is helping me with these negotiations. I have sent emails to customer service documenting this as well as stated it to representatives when called. Also, I sent written and email notification that the creditors are not authorized to contact me at my place of business since I am not allowed to accept personal calls, and this could jeopardize my job. Comenity Capital Bank is the lender for several of my credit cards- XXXX and XXXX. I have a cell phone which this creditors calls numerous times a day. 

On XX/XX/2023, at XXXX AM, I notified this Comenity of the payment situation and that it was not authorized to contact me at my place of business. On XX/XX/2023, at approximately XXXXXXXX XXXX Comenity Capital Bank 's representative - XXXX  - called me at work. I told XXXX that they were not authorized to contact me at work and sent another email documenting the call and again notifying them that they were not to contact me at work and that another violation of this request would result in a complaint. This notification was given verbally and in the email. This morning, XX/XX/2023, at approximately XXXX, a gentleman called my work number, asked for me, and said he was with Comenity Capital Bank. I told him, again, he was not authorized to call my place of business, the company had been notified on numerous occasions, and I was filing a complaint. I documented this with another email as well. 

This is a flagrant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is reporting a collections on my credit report. They purchased this debt from XXXX XXXX. 
We have disputed for years. They will not produce any receipts or proof, only a statement ( Last statement produced ). 
They took it to court, which resulted in a judgement and lien. 
It is illegal for Credit Bureaus to report judgements. 
As of XX/XX/2018, credit bureaus do not report judgements, which are civil. 

This is still on my credit reports and needs to be removed immediately. 
Also, Portfolio Recovery calls my place of business at least once a week and continues to send letters for collection. 

I can provide contact information for Portfolio Recovery if needed. 
I can also provide a copy of the judgement, showing proof it is now civil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Victoria Secret is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX XXXX  XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor Victoria Secret. 

I have contacted Victoria Secret directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as Victoria Secret is clearly in violation of the consumer laws and should delete this account from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian- The following accounts are reporting inaccurate information on my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, {$32.00} XXXX XXXX XXXX XXXX Account # XXXX, {$930.00} These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off 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 2023-01-27 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:
Late payment by XXXX for months of XXXX, XXXX, XXXX XXXX Showing 60 days late is incorrect! Please verify this information as not valid all 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 2023-01-27 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: CA

Complaint narrative:
There is a company on my credit report that I do not know, and I can not get it removed. XXXX XXXX XXXX. I have never had a contract with them, and they are negatively reporting on my 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 2023-01-27 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: OH

Complaint narrative:
Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on TransUnion ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had XXXX on XX/XX/2023 from a XXXX - XXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with TransUnion and XXXX. So I am confused on how I keep getting hard credit pulls.

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 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On multiple times I was charged for having the account when I wasnt supposed to be because of how much I deposited into account. Then came overdrafts I didnt approve nor had money in account to cover. Lastly I was over charged by a rental company and even tho I showed fraud they still have my account negative for such charges

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 2023-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CBC Mortgage Agency
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted all the required documents to XXXX XXXX XXXX XXXX XXXX. to request a loan modification. I constantly reached out to them on a regular basis to request an update, and was informed each time to contact them about a week later. Finally, during the end of XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX XXXX. was not listed in the first position and that my second lender, CBC Motgage was listed as being listed in the first position. According to CBC 's representative, they are listed on the record in the second position. I provided XXXX with a copy of the Certificate of Satisfaction on XX/XX/XXXX and the documentation was sent directly to XXXX XXXX, whom I late learned was a supervisor in the Loan Modification division. After calling to follow-up, I was informed two weeks later that XXXX XXXX has yet to process or upload any documentation and there wasn't anything in the system to reflect that they had received the document. I also followed up on approximately XX/XX/XXXX or XXXX to request an update, and I'm no longer closer to finalizing this process. On XX/XX/XXXX, XXXX XXXX sent an email to XXXX to notify XXXX that they are listed in 2nd position. They also requested documentation verifying this information. I followed up again on the same day, to ensure they received XXXX XXXX email and was told that they needed documentation from CBC. I stated to the representative that I could connect the CBC Mortgage representative and was told to have them reach out to XXXX XXXX, to have them send the documentation. I have checked the XXXX XXXX Deed of Records and am unable to find a document that shows CBC Mortgage in first position. Can you please assist me with resolving this matter? It is hinder me from filing a loan modification under XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
There was fraud done with My XXXX credit card, twice with XXXX different cards same company XXXX XXXX XXXX XXXX XXXX. I have made a claim with Navy Federal but they denied my claim.I didnt make these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: SC

Complaint narrative:
Company by the name of XXXX XXXX XXXX started withdrawing money from my account in 2016, I contacted my bank and advise them it was unauthorized and the charges were reverse. However a few days later the same company made another unauthorized withdrawal using the same name but adding symbols, so the charges could go through because the name they first used was flagged by the bank. 

I reached out several time but was unsuccessful on all attempts. After several attempts of them trying to withdraw from my account they disappeared and I heard nothing more for over 7yrs. XXXX XXXX XXXX an collection agency by the name of Vance & Huffman , LLC reported a {$2800.00} to collection on my credit profile for that same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
These people kohls have call at least 6times A DAY when I mention that I already spoke to someone they hang up rudely a nd call right back and they start at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XX/XX/2020 for the amount of {$3800.00} from XXXX XXXX  I have contacted XXXX XXXX  and they have sent me a statement saying that the information is incorrect that they're overcharging me but they're refusing to do anything about it

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 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
A Fraudulent XXXX account was opened under my name and social security number, on XX/XX/XXXX in a state I have never been to or lived in. Upon contacting XXXX, they stated I do not have any outstanding accounts, for that reason I do not have an account number to provide. The account I can not get any information about was turned over to XXXX Attorney group by XXXX XXXX XXXX number # XXXX. They also agreed this was Identity theft. I filled a police report with XXXX Police XXXX. in XXXX, CA where I live, # XXXX and provided that to all parties. I thought this issue was resolved after contacting all parties involved and providing all of the necessary documents and proof that this account was not opened by me and is indeed identity theft, only to discover XXXX placed me back into collections on XX/XX/XXXX. I am now having to redo the entire process again to clear my name and credit. The victim has to jump through a XXXX hoops to clear their name, when they perpetrator had no issues using my information to open a fraudulent account. XXXX recommended I file a complaint through this sight. I was not contacted by any company regarding this collection. I only discovered it when I reviewed my credit report. When I provide the companies information in the following questions it's for your reference only, not because I receive any type of communication from them about this collection. I had to research and contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, I'm having problem with my paypal account saying : You can no longer do business with Paypal. 

This was happened XX/XX/2023 the amount was on hold on my account is XXXX USD. 

While i'm busy on my business i received the email from the company that i'm no longer do business and any services from them. I'm using this paypal to accept the payments from my customers. 

My business was stop since this is happened. 

Please help me resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management/XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.

1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2022, I opened my Citibank app to check my balance. As the balance seemed low, I looked at the detailed transcations and saw that six checks had been cashed on XX/XX/2022. There were five checks in the amount of {$130.00} each and one check for {$400.00}, for a total of {$1000.00}. All of these checks I had written to one vendor and were dated mostly from XXXX 2022. All of these checks had already been previously cashed by Citibank and Citibank erroneously cashed them twice. 

Upon noticing this and confirming that indeed these checks had already been cashed, I contacted Citibank 's fraud line. I was told that yes the checks were erroneously cashed twice and they would start an investigation. I was given the following reference number XXXX. Since then, I have reached out to Citibank on multiple occassions but always with the same response that the issue is still under investigation. More than six weeks have passed and I still have not had the funds re-deposited in my account from what seems to be a very straight forward issue. 

I am attaching a snapshot of my transaction statement showing the checks cashed in XXXX and an earlier statement showing that they had already been previosuly cashed.

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