vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>XXXX  I made a purchase at Ulta beauty store. Used their Ulta credit card to pay for the purchases. They DOUBLE charged me for those purchases. When I received XXXX 's statement. The {$260.00} entry was double charged on the credit card. I immediately called Ulta and was told by the representative to wait 5 to 7 business days to see the resolution. On XX/XX/XXXX, the charge was not removed. I received a letter from them asking me to allow 90 days for them to complete an investigation. On XX/XX/XXXX, after no activity. Charge still remained on account and I was still paying the interest on this double charge, I called and was told that they confirmed with the store that this was an accidental double charge and they needed me to go up to the store to have them remove the charge. On XX/XX/XXXX, I went up to the store and explained the situation. The manager tried to remove this from the credit card but was unable to. She said credit services knows that the store is unable to remove a charge from an account past 90 days. On XX/XX/XXXX, I called customer service again and they closed my case as " resolved ''. I then had to write a letter to have them reopen. Which I have done. I can not get ANYONE to talk to me and NO ONE will remove this double charge. Each person I speak to confirms its a double charge but no one " has the authority to remove it. '' They will not transfer me to someone who has the authority to remove it. I am told they will contact me. It has been EIGHT MONTHS, I am still paying the interest and NO one will take to me or remove this charge from the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX XXXX {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX  or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XX/XX/24 XXXX call. Called asking if I was the wife of the person of interest and to speak to my relative. They said their company name but refused to answer if they were a debt collector agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF EDXXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF XXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}

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 non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: NY

Complaint narrative:
I received three texts saying my number has been verified for them to send me debt collection texts. I do not owe national grid nor their XXXX  credit agency money, i checked & have the receipts to prove it. I did not give this company permission to purchase any debt in my name, nor sell it and any of my personal information. I do not want any form of communication with them, they should not be trying to contact me at all anymore ; this should be a complete Cease & Desist. 

I would also like Consumer financial protection bureau to contact XXXX XXXX because I absolutely do bot owe them money. I kept calling to make sure of it. Also i have Financial statements.

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: SC

Complaint narrative:
Applied for loan consolidation on XX/XX/XXXX, Application has shown pending since then. 

I've called the servicer numerous times and they say they don't seey account and can't help with pending loans. I was told to call the department of education however they just have a recording saying contact servicer then they disconnect the call. 

My current servicer says the new servicer pulled my loan info from them in XXXX XX/XX/XXXX I filed a complaint with the ombudsman and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: King of Credit Financial, Inc
State: ND

Complaint narrative:
on XXXX i went on dollar car rental and reserved a car rental and paid XXXX dollars down with XXXX remaining when i arrive at the rental office on XXXX when i arrived at XXXX XXXX XXXX XXXX car rental didn't accept my credit card XXXX i called the customer service number on the pamphletthe dollar rep had givining me directions to do so were i could get my refund customer service to me XXXX business days for the refund to be given back on my credit card i have called XXXX times now and they keep saying XXXX business days that hasn't came for a total of XXXX business days and counting plz help!!! this is national known company be held responsible and give me my money back thank you for your time have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
I have closed on a home purchase with CMG. The closing date was XX/XX/2024 and it has been recorded with the county, I have a copy of the deed. I assumed a loan with CMG from the previous homeowner. When I try to access the account I am denied because it is still in the previous homeownwer 's name. I am told I can only contact the assumptions department through e-mail and my e-mails go unanswered for 13 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: MOHELA
State: CO

Complaint narrative:
On XX/XX/2024, I submitted a 'Segal Americorps Payment Award Payment Request ' to pay Mohela XXXX my student loan servicer, {$120.00} for my monthly student loan payment due XX/XX/2024. After calling Mohela at least a dozen times, nobody I speak to knows what to do with this information. The request ID from this XXXX request is XXXX. 

As a result of Mohela 's inaction, my payment due on XX/XX/2024 is now considered delinquent. This is significant because I am a part of the XXXX XXXX XXXX XXXX ( PSLF ) plan, and now the month of XXXX is ineligible to be put towards PSLF. 

For the record, my payments via XXXX were no issue when my loans were serviced by XXXX. This is proof this issue is specific to Mohela, and their administration of Education Award payment requests via XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear XXXX XXXX XXXX I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 
Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 
I look forward to a prompt resolution. 
Sincerely, 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 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I closed mXXXX XXXX  account approximately XXXX of XXXX. I had a personal XXXX from XXXX sent to me in XXXX. I had to return the XXXX  in order to no be charged for it. I did return the XXXX and I have pictures of the device, the label sent to me from XXXX and proof of delivery showing XXXX XXXX address. To mobile has never acknowledged the return of this item and continued to bill me for it with interest. 

corresponded with XXXX  over this issue over a half dozen times since XX/XX/XXXX. Promises were made to call me back and to provide to me documents such as my bills from XXXX. Since I am no longer a customer of theirs I am not able to sign into my XXXX account to retrieve my past bills on my own. 

Despite the promises that the issue will be resolved by numerous XXXX customer service reps it continues to be an ongoing issue. They even promised to not send it to collections and stated that they don't do that. Indeed, they did send it to collections and it is effecting my credit score currently. 

I have never experienced such poor follow-through and conduct from any telecommunications company like I have with XXXX. I am very disappointed in their behavior after many years of utilizing their services. XXXX has cost me much time and aggravation that I will never get back or be compensated for. I am grateful that CFPB exists to address these unfair and uncalled for situations. 

The collection company the XXXX reported this information to is FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. FRONTLINE ASSET STRATEGIES has never called me regarding the debt nor sent any mail correspondence. I only discovered that XXXX reported my to them because I check my credit report. Also a very disappointing way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Please see prior complaint filed with CFPB, complaint ID XXXX. All information provided in that first complaint remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I want to dispute the debt because this is not my debt. Saying I have pay pal debt {$390.00} date of XX/XX/year>. Debt was delivered to wrong address which was my address it was delivered to

Company response to consumer: Closed with explanation