vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
XX/XX/2020 I scanned a signed document to Ann Taylor XXXX - Comenity Bank ( I was instructed by them to type the letter, sign, and attach via the message center ) regarding my financial struggles and requesting a settlement or a different payment structure. 

XX/XX/2020 I received a reply stating the correct department would be responding via the secure message center in a timely manner with a response. 

XX/XX/2020 I replied asking for an update and they apologized for the inconveniences and said their customer services works hard, no where referencing my concern I clearly stated in my message nor giving me a reply to my original message from XX/XX/2020. 

They have now reported a late payment on my credit all while I have been waiting for a response from them. I understand I have my responsibilities but with all the difficult times due to covid and having a XXXX on the way I need to work with them on my bill. I feel the way I approached this situation was for the best interest of both parties but I am unable to get in touch with them nor do they take my request seriously. I am not sure what else to do at this point. And my past due amount keeps increasing. At a loss for my next steps/options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NV

Complaint narrative:
Experian is reporting a inaccurate account that is in collections to my credit bureau. I uploaded the deletion document to Experian and have yet to see the account deleted. Letter submitted to Experian on XX/XX/20 for XXXXXXXX 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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This account is not mine I ask this company to send contracts and documents with my signature on it and they can't provide. I also ask for date they purchased debt, How much they purchase the debt for and all sign documents with my signature also there license to collect this debt and they can't provide me. This is a violation to my consumer rights also a violation of law and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: PA

Complaint narrative:
I have repeatedly and continuously tried to send Equifax Informational Services herein Equifax a letter which depicts that an Inquiry specifically that of XXXX XXXX  made on XX/XX/2020 was fraudulent and I was a victim of identity theft., Since this time and Day of XX/XX/2020 I have repeatedly sent Equifax notices of Identity Theft and Affidavits stipulation that the Inquiry of XX/XX/2020 that of XXXX XXXX was not made by me neither did it have any permissible purpose nor did I XXXX XXXX XXXX XXXX XXXX initiate said request., I even sent them notification from XXXX XXXX  dates XXXX XXXX XXXX stipulating that I was I was a victim of Fraud.. After three attempts I have contacted an attorney who has first requested that I submit a complaint with CFPB before initiating a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I consolidated my student loans years ago. These old Navient loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( XXXX, XXXX, XXXX  ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old Navient loans ... .That are paid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Approximately a month ago I received a call from Midland Credit Management Inc. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: TX

Complaint narrative:
I received a call to my job from a gentlemen saying he is from XXXX XXXX - i was unable to find the authenticity of this company. They gave me the number XXXX XXXX XXXX to call and reference claim number XXXX. When i called the company says they are XXXX XXXX - again i try to find this company but find nothing. The agents refused to give me a website. I did acknowledge that the debt was mine but would need an invoice first to verify the company is legit and then I'd pay my balance in the three payments they advised me of. The first agent and then the supervisor i asked for did not want to provide me that information but insisted i give them a credit card first. After telling them i did not feel comfortable giving them a card without verifying who this company is they said i can then wait for XXXX XXXX to find me and give me some paperwork that would lead to further action. I let them know that due to COVID-19 I would not accept any documentation or talk to anybody I don't know and the agent hung up on me. They continue to call me continuously from this XXXX XXXX saying they're going to deliver paperwork but they never show up to my house - seems like a scare tactic to make me pay. I want to work with this company but they do not provide any details to confirm this is not a scam.

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 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  acquired my mortgage from XXXX. In 15 years I have not missed a single payment. As a matter of fact, I don't have any missed payments at all, on any of my accounts. In an effort to fraudulently obtain late fees, XXXX XXXX stopped withdrawing my automatically setup monthly mortgage payments while their portal still showed that payments will be coming out. Company claimed that the last payment was supposed to be mailed in, however they also sent me letters stating that I still owed them " installments '' ( plural ) ( please see attached letters ). Therefore, they used confusing and erroneous records online and in writing to damage my credit report and more importantly to generate late fees. It is a clear UDAAP violation. So on XX/XX/XXXX they sent a letter stating that I was behind on 2 installments while on XX/XX/XXXX they sent me a payoff letter where amount is less than 1 installment. They are clearly trying to defraud me while potentially violating FDCPA ( Federal Debt Collections Practices Act ). 

When I tried to complain and resolve this matter, multiple people hung up on me. It's clear that the company does not have a valid, traceable complaint management process. I finally, after spending many hours, reached their General Counsel. Instead of addressing the issue, I received a call from another contact service agent who refused to fix the problem. However, in 2 weeks I received additional letters stating that they are reviewing my concerns. That's clearly false since the agent said that nothing further will be done. This company is clearly intent on hiding behind many many letters to avoid following the law. 

I demand that my credit report be fixed to report that I have never been past due and that my account was in good standing. 

Thank you

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2020 someone fraudulently used my CashApp account to withdrawal money from my CashApp wallet as well as my bank account. I was able to contact my bank and submit a Regulation E claim for the fraudulent transaction, which they promptly resolved. However, when I tried to submit a notice of error to CashApp for the {$200.00} taken from my wallet on Cash App, I have been running in circles to submit my notice of error. 

I went the the CashApp website and contacted the telephone number given under its error resolution notice ( XXXX ). However, when I call this number it give a message that states that " Live phone support is not generally available at this time. '' The recorded message provides a website for further help. When you go to that website it does not offer options to report fraud. I closed my CashApp account to stop any additional fraud.

At this point I am frustrated and just looking for help to get ahold of CashApp so I can report the fraud and request a refund of my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased equipment from someone via Cash app for {$100.00}. After a while I suspected that I was being scammed and in my attempts to reach out to the merchant I was then blocked from getting in contact with them. Therefore causing me to believe that he didnt even have intentions of shipping the item to begin with. On XX/XX/XXXX, I filed a claim for such dispute and was guided to go about doing so through the XXXX  XXXX XXXX app. After doing so on XX/XX/XXXX, I received a confirmation email from XXXX  XXXX XXXX claiming that they have already gone about disputing such transaction with the merchants bank and that I will not have to do anything on my end. Then on XX/XX/XXXX, I received an email now claiming that since Cashapp is a third party application they can do nothing on their side at this point, resulting in a chargeback on my account of - {$100.00}. As of now I am stuck in the negatives and even with my countless efforts to reach out to Cashapp and XXXX  XXXX XXXX, all I receive is a constant runaround and it is completely unfair on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I have asked AFNI for validation of this debt with zero cooperation from the company. XXXX was NEVER installed service at my property. They refused to come and run a line from the pole without an additional {$70.00} charge and I refused the additional charge so the service never even started. The equipment was dropped off at the XXXX office at that time. I do not owe this debt. They are negatively affecting my credit rating and refuse to validate with a SIGNED contract or ANY proof whatsoever that I owe them anything. This has been going on for over a year and I want this immediately REMOVED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

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 2020-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2020-11-02 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:
Approximately a month ago I received a call from XXXX XXXX XXXX XXXX. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: OK

Complaint narrative:
I applied for a loan and got approved with down payment assistance. Then the day before closing the lender states I cant get down payment assistance and I needed to pay XXXX to close. I already paid the appraisal fee, inspection fee, and XXXX earnest money. You cant take people that far in to the loan process just to change things. So I want to be reimbursed for the money I put into the process. I have emailed, called, and left voicemails with that company and no one will respond to me. You cant give someone an approval letter with down payment assistance then the day before closing tell me I cant do down payment assistance after paying all those costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
REceived prepaid mastercard I did not apply for from PAYPAL, issued by the XXXX XXXX, Arrived in US mail. I have frozen all credit and signed up for OPTOUT on credit card offers. I called Paypal several times and was only directed to other numbers that have recorded lines. I called XXXX  XXXX, got a ticket number XXXX. When i called back they said I had to call PAYPAL but were unable to provide a number. they only said call paypal. I do not have a paypal account. I do not want a new account. I do not to give any information out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I consolidated my student loans years ago. These old XXXX loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( TU, XXXX, XXXX ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old XXXX loans ... .That are paid!!!

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 2020-11-02 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: TX

Complaint narrative:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

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 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XX/XX/2020 I used Western Union to send money to my fiance in XXXX. They would not release the funds until I answered all of their fraud questions. THEN they said sorry- we can not transfer funds to him and I will be refunded. The funds were deducted from my bank but never refunded. 
On XX/XX/2020, I spoke to the compliance department and was assured than my money would be refunded. 
On XX/XX/2020 I again spoke to the compliance department- they are unable to see any previous conversation AND states the money was picked up in COLORADO on XX/XX/2020. They transferred me to someone else who said the money was picked up in XXXX!!! I never received the usual email notifying me that ANY money was picked up ANYWHERE! 
Each of these representatives ended the conversation by putting me on hold for at least 30 minutes and never returning to the call.

Company response to consumer: Closed with explanation