vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I receive court ordered benefits on my way2Go MasterCard through the state of Arizona. They have issued duplicate card to someone else as well as given them my children, my unemployment, social security benefits, my back pay and recently my housing making me homeless. This is identity theft and fraud and no one is doing anything about it. Please help!!! They wont even update my contact information so I can access my account online or through the app. They are using my old address XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX. I am also dealing with mail theft so I put a hold on my mail for that address today, just in case. Please stop this extremely illegal irrational behavior of Department of economic security, department of child safety and social security administration. My children and I need help. I'm being intimidated threatened hate crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
I do not recall having a loan with this company .I just finish cleaning my credit up my credit with XXXX XXXX XXXX XXXXXXXX XXXX pull all 3 of my credit reporting agency and this debt was not on any of my credit reports. This collection agency Plaza Services is trying to collect a debt that not mine on XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Opened up a virtual wallet account through PNC XX/XX/XXXX. I was told that there would be a service fee of XXXX dollars, which can be waived at least one of the following was met : XXXX average monthly balance in your account OR XXXX combined average monthly balance in other accounts at PNC to include checking, savings CD, loans, mortgage, or other investments. My lowest monthly balance on my checking account for this period of time was XXXX and XXXX for my savings. 

I was not charged a XXXX service fee in XXXX, XX/XX/XXXX and XXXX. Starting in XX/XX/XXXX I was charged {$15.00} per month. I did not realize these charges were occurring until today, XX/XX/XXXX. I was doing my taxes and checked interest earned and saw the fees. So my {$300.00} initial account balance is now {$130.00}. To add insult to injury they inactivated my account ( because of lack of fund balances ) but continued to charge me. 

I contacted the bank regarding this and asked why given my balances was I charged a fee? They said my virtual wallet account was never linked to my other PNC accounts. I explained that this issue was addressed when I opened the account and was specifically told I would not be charged the service fee. 

I requested a refund of these fees because of their failure to actually link the accounts and to close my account. The account was closed and they said they would give me a credit of {$30.00}, toward the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I had a 2-year phone installment plan and contract with XXXX. I ordered the phone online and it shipped to my address but we originally thought the device was lost or stolen and not delivered. It turned out it was delivered fine but XXXX still had the device marked in their system as lost/stolen. So 3 months into my contract on XX/XX/year> XXXX randomly dropped my access to my account and said my full contract term of 2 years was due in a single bill. I told them I can not afford 1XXXX XXXX at once and needed the installment plan. XXXX then told me the only way to restart the installment plan was for me to sign a new 2-year contract essentially under duress. I was told to pay XXXX XXXX or sign a new contract even though all the issues I experienced were at the fault of XXXX. They should have made me send back the original device before allowing me to activate my phone and contract ... which their system automatically cancelled after 90 days. An XXXX phone rep then voided my original contract and told me to go into an XXXX store to sign a new contract. After this ordeal I decided to switch to XXXX XXXX and use their contract buyout of XXXX $ to switch to them from XXXX and have XXXX XXXX pay off the switch fees. So after all this I still tried over 20 times to contact XXXX with XXXX XXXX employees trying to port out my phone line and setup payment in full for termination of the debt. I offered to settle the debt many times with XXXX directly but their own phone representatives told me " I do not have access to the account in my name and can not submit a payment for it. '' XXXX essentially had my single phone number and line billed under 2 accounts, 1 of which I could not access to even pay which is the debt they are trying to collect on. So XXXX rolled the 2 year contract debt into a new, false account that their employees setup in my name without authorization and after voiding the initial contract. These account numbers were different than when I setup and started with XXXX, thereby proving their fraud in trying to collect this debt. My original account number was ending in XXXX, I never had an account I authorized ending in XXXX like XXXX is trying to fraudulently to collect under. Below are photos of emails showing my account numbers and times of correspondence I am alleging. I tried to resolve this debt for months before having to move on with life. I also can get a written witness statement from the XXXX store employee who signed up my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: AL

Complaint narrative:
XXXX XXXXXXXX has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.

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 2024-02-09 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: AL

Complaint narrative:
XXXX XXXXXXXX has derogatory marks on all 3 of my credit scores stating I owe them money. I have no knowledge of even applying for credit with them, I called them to get more info and possibly pay off the debt and they have absolutely no information of me ever even being a customer and have no clue as to why they are on any of my credit reports. They still refuse to remove themselves from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2024 I sent an Identity theft letter to XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. I have not received a response nor has XXXX  XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. 
complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC 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 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I paid my mortgage on the portal on XX/XX/XXXX and received a confirmation that it was received by Lakeview Loancare on XX/XX/XXXX. On XX/XX/XXXX they called me saying they did not receive a payment, though I had confirmation that they received. I then paid again over the phone with an operator and they told me it was successfully processed. Then yet again on XX/XX/XXXX I received a notice saying the payment had been received. By XX/XX/XXXX the payment had not been received or drafted from my bank account. I provided bank statements and acting banking activity for two months showing that the money was in the account the entire time and had been been drafted nor was a hold placed on the account for the funds. I had to mail them a physical check for two months worth of Mortage for them to finally process the mortgage payment for the months of XX/XX/XXXX and XX/XX/XXXX. I attempted multiple times to file a complaint and submit my documents through lakeview loan cares online portal and was not allowed to do so, as it was not allowing me to submit the documents though all information they requested was provided in the correct order. I called customer service everyday from XX/XX/XXXX to XX/XX/XXXX and was given multiple excuses as to why the payment wasnt processed. They claimed it was my banking information but we confirmed through their customer service representative that the information they had was correct. They then proceeded to tell me that it was my banks fault and they didnt release the funds, though again the bank statement and activity showed the money was there the entire time. They are now trying to charge me late fees and they may have reported me as late on my 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 explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
Im begging you please remove this to the credit 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 2024-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a {$6000.00} title loan from TITLEMAX on my XXXX to pay for medical tests that my XXXX XXXX indigent coverage will not pay for XXXX XXXX XXXX, which found a XXXX XXXX  that saved my life. I also need that XXXX to go visit my XXXX mother in XXXX XXXX, XXXX miles away. I can provide all those records. 

That XXXX is worth $ XXXX. I hopefully will have the means to repay that loan soon by selling my dad 's old corn farm, but that kind of sale takes forever if you want a fair price. 

TITLEMAX has refused all my polite requests to work out a reasonable repayment at whatever interest rate they want, just no hidden fees or penalties, because I am a fair man. All they ever do is call me, literally screaming curse words at me. I can tape a call. 

I merely ask them to send me a letter in the mail, which they refuse to do. 

The best part is I read up on vehicle title loan law, easy to read, and they TOTALLY broke the law on my application, and I can easily prove that. So, Can CFPB help? Thank you. XXXX. XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
Im begging you please remove this to the credit 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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime sent me a XXXX Debit card unsolicited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In accordancewitj fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit cardaccount under an open end consumer credit plan as a late for any purpose. 
Specifically, XXXX XXXX and XXXXXXXX XXXX. Unable to provide original documents and continue to record unaccurate information on credit report as recently as XX/XX/year>. 
I have sent out, Certified letters and mail, requesting documentation to XXXX, with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for a Discover It credit card on XX/XX/XXXX this week, which got approved instantly. Today ( XX/XX/XXXX ), however, before even receiving the card, I received requests to sign the IRS Consent Form 4506-C, then subsequently asked to fill out the enhanced notary form ( https : //card.discover.comXXXX  ). The notary form required me to include my bank statements for the past 3 months. However, I am a XXXX who has just arrived in the United States three weeks ago. I opened a bank account with another bank shortly after arriving, but I definitely do not have 3 months ' worth of bank statements. I tried to call Customer Protection Services, but they replied that since I can't complete this form with less than 3 months of bank statements, my account would be closed after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was being charged for extra months for Internet service.no contract month to month basis, I was unaware the government assistance stopped assisting.next3 to 5 Months I was charged for Internet full price without service. Spoke with XXXX customer service and overturned some processed payments, reducing my aledged past due bill, as I do want to take of my financial obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM financial sent 2 of my pre-paid lease accounts to collections after the vehicles were returned on time and in good condition. These leases were paid off ahead of me even receiving the keys, and therefor had no payments to be made. There was no damage to the vehicles after they were turned in, and I can't get a straight answer on what I actually owe them at this point. They have called me almost every single day for almost 2 years now, regardless of the fact that I filed bankruptcy and those accounts show on my credit report as XXXX with that bankruptcy. I have attempted multiple times to contact them about my account, but they claim I don't have an account with them - and yet they keep calling. They switched to calling from an unknown number so that I can no longer block their incessant calls and voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, XXXX XXXX. I have never heard of this company and immediately started investigating. I learned that this was a XXXX party lending company for auto loans. I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all XXXX credit bureaus. I also contacted this XXXX XXXX and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from TransUnion stating that they came to a resolution of their investigation and that they are in accordance with XXXX XXXX and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect a debt that was settle and paid to XXXX XXXX  in the amount of XXXX paid XX/XX/2024. XXXX XXXX is stating that the debt was not paid and is asking now for XXXX for the same company synchrony bank for XXXX. I asked for validation of debt and to date I have not received an answer.

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 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I asked to see if they are willing to delay the foreclosure, we have an active contract to sell the house with a closing date of XX/XX/XXXX. I also asked if we do a short sale can we have it delayed so the home can be marketed, they said that they won't even review 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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank XXXX XXXX XXXX XXXX XXXX Closed one of my account without my knowledge Talked to the bank representatives they said my account was closed by the company and did not give reason why? 
They took my {$500.00} balance They closed my account on XX/XX/2024 They said they wrote a check to me Until now I have not receive it This is un acceptable for a bank to act like this. 
You guys should hold this bank accountable for there action!!! 
No one informed me why they closed my account! Where is money???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
I have a collection on my credit report by Eastern Account Systems from XXXX. I did not use their service nor receive their equipment yet they say I have a balance due. Ive tried calling their basic support but to no avail. They had claimed the account is out of their hands but I never used them so the entire thing is wrong from the beginning. I finally did a XXXX  report and then got ahold of an executive from XXXX who is suppose look at the account, the usage, and everything to verify this. They told me to do another complaint to the collection agency as the collections account is not valid therefore shouldnt be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation