vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: CO

Complaint narrative:
Receiving repeated texts about account I never had and do not owe. The text comes from XXXX and reads as follows : " Please contact MRS.BPO LLC at XXXX regarding a matter for XXXX XXXX. 
MRS is debt collector. If you want to opt out of future text messages reply withSTOP. 
visit us at .XXXXMRS.BPO.COM To see important rights and information click MRSBPO.COM/STATE- DISCLOSURES '' I have replied with STOP multiple times but they keep sending these texts. I have not clicked on the link or gone to the website because I don't want them electronically capturing my information. 
Also I do not have a XXXX account of any kind nor do I owe them any money. I have verified this with XXXX 3 separate times. I am fed up with these fraudulent crooks harrassment!

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 2023-07-11 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NV

Complaint narrative:
I used my Discover card to purchase a graduation trip for my daughter and myself with a tour company called XXXX XXXX XXXX ; a XXXX XXXX based travel company- Company Number- XXXX ZBN : XXXX, that offered all inclusive, guided tour vacations. I paid for a year for this trip from XX/XX/XXXX until XX/XX/XXXX with 24 payments ( 2 payments of {$120.00} each month charged to my Discover card for my trip fee and my daughter 's trip fee ) over 12 months, for a total of {$3000.00}. 

After delaying travel and forcing customers to reschedule tours ( while still selling additional tours ), XXXX XXXX XXXX closed its door to future trading and declared insolvency as of XX/XX/XXXX. As such, it has left many people, including myself, out of pocket for payments made for future travel with them in XXXX and XXXX. 

Some payments were made before XXXX, but due to the pandemic, initially scheduled trips for XXXX and XXXX were pushed back and rescheduled for travel the following years. After the pandemic, the company continued to cancel trips scheduled and move dates right up until XX/XX/XXXX, when they announced they were closing. This company even sent me an invoice for further travel expenses for my XXXX XXXX trip on XX/XX/XXXX. 

I immediately filed a dispute with Discover after being denied a refund from the travel company. I submitted my documentation which shows that my trip was rescheduled three times, as well as showing that the company refused my refund after having to reschedule the trip the second time. I was denied a refund based on their response that tour guidelines were that there were no refunds... which is ridiculous, as I would have happily taken the trip. I paid those 24 payments in good faith, having no reason to believe the company would cease trading when I made them, and I fully expected to make the trip. If one wanted to be literal about it, I DID meet the return policy criteria and should have been refunded by the company, as I will obviously NOT be able to travel with them, due to XXXX, as they stated. Additionally, the first liquidation report was just released in XX/XX/XXXX, and they state that XXXX XXXX XXXX actually lost millions of it's customers dollars due to trading in cryptocurrency. This is just further proof that this company defrauded customers. 

I escalated the dispute in XXXX of XXXX, and heard nothing back from the company beyond that my dispute was closed and I would not be refunded. I follow a XXXX group solely for customers defrauded by this company and have been aware that MANY complainants have been refunded by their credit card companies and banks. Discover should also act in good faith and refund my money lost to this company. This complaint is my last option to get my {$3000.00} back. Please help! 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
The company closed my account with any knowledge and claims they have the right and this is a business decisions. There is no fraud and this is a material false representation that the company has engaged in and completely discrimated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: EQUIFAX, INC.
State: MN

Complaint narrative:
There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. XXXX years before the alleged account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to Equifax, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: MN

Complaint narrative:
I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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 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 2023-07-11 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
XXXX XXXX XX/XX/2023 I have tried reaching the business I wasn't able to get anyone I have reached out to the credit bureau the only thing they could tell me is that it will be removed in XXXX. My problem is I would like it removed now because I recently noticed it and have never applied for these merchants. There are no amounts due to these are inquiries but I have informed the credit bureau but they were unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent out a dispute letter to trans union XX/XX/XXXX and they received the dispute XX/XX/2023 I asked of them to foster any information that can not be property verified due to me being a victim of identity theft also with the request a police report and identity affidavit was sent along with my identification, I recourses a letter from trans union XXXX XXXX starting that the accounts came back verified and accurate when how so if they did not send any proof of how they validated any debt anything from the original debt collect or a valid signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts vou post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A while back I did a complaint with online service for 7 payments because they only settle fir 5 of them they took back money that I paid to this company but because Chase didn't get it all they took back 2 of my 7 refunds and put my account in over drafts making me pay this money again talking about they sent me a letter I never got it they send me email for everything else that's how I knew I was overdrawn they do this all the time so we could be in overdrawn status so we can pay them extra fees for overdraft they know we don't want to do that so we pay it I got rob by the online company and Chase I paid twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In the end of XXXX I received an email informing me that a new capital one credit card is on its way. I have never had any accounts with capital one. I reached out to the company on two different occasions ( day after the email and a week later ) to close the account and yet I still got an email a week ago with a monthly account report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Aidvantage/Department of Education They were suppose to discharge the loan with the Sweet V. Cardona Settlement . I was refunded the amount I paid trying to get it off my report. They told me by XX/XX/XXXX it would be discharged and I would be emailed a letter that nothing was owed. Well it came closer to XX/XX/XXXX and I messaged them and they tried not to address my questions. I finally got a response that they weren't discharging it by XX/XX/XXXX and now it will take 7 months from the time I got the letter that I was approved for discharge which was XXXX of XXXX. So now I am waiting until the end of XX/XX/XXXX. This affected us in XXXX. We got letters in the mail and we called the number to get treated very cruelly by a woman on the phone. She was threatening to put me in prison. I never had a student loan. I would know if I had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I became aware that a checking account was opened in my name via email on XX/XX/XXXX saying that my debit card was mailed out. I never opened an account with Bank of America. I tried several times to speak to someone about this but the automated system will not allow you to speak with anyone without an account number or debit card number. I did not have any of this information because I did not open the account. After trying several numbers for bank of america I was able to get to an accounts salesperson who informed me that account was opened in my name but I would need to speak to the fraud department. In speaking with the fraud department I was told that I would receive information on on the account but they were unable to provide the information over the phone. I was sent an email suggesting me to report identity theft to the credit bureaus. Ofcourse I did report this but I never received the information promised to me about the account opened in my name. I received a debit card one to my parents address and another to my updated address I gave when reporting the unauthorized account. I have received several emails referencing new accounts. These seems to be multiple accounts based on the emails received after XX/XX/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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
When opened the account @ 2008, it was a no fee account tied to my investment account and mortgage loan account. They changed the terms on the account because they stopped offering this type of account and has been charging me a $ 25 monthly fee, which has literally wiped out my beginning of the year account balance. I felt that I should have been grandfathered in under the old terms, since I still had my mortgage with them. The only reason my investments were no longer there was because they sold the subsidiary during the financial crisis. How could they just take my money? This fee is excessive compared to the approximate {$.00} cents they have been paying me on a monthly basis. I feel that my fees should be refunded.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: IL

Complaint narrative:
IN XX/XX/2023 I WAS A VICTIM OF IDENTITY THEFT. SOMEONE OPENED A XXXX CARD IN MY NAME, AND ATTEMPTED A CHECKING ACCT IN XXXX XXXX, IL. NOW IT APPEARS THAT SOMEONE HAS OPENED AN ACCT XXXX XXXX XXXX XXXX, IN THE AMOUNT OF XXXX IN XX/XX/2023. 
I PLACED XXXX ON MY ACCT IMMEDIATELY BUT I NEED HELP WITH THESE SCAMMERS!! 

SINCE THEN I WENT THROUGH A DIVORCE. 
PREVIOUS NAME : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I sent money via Venmo to a close personal friend on XX/XX/2023. There were 2 separate transactions : {$130.00} and {$520.00}. Shortly after sending, Venmo suspended my account without reason. I'm being told by Venmo that I have wait 5-7 business days to hear back about whether my account will be reinstated. Both amounts have hit my bank account but Venmo is holding the money without reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Maynard Nexsen PC
State: SC

Complaint narrative:
Good afternoon, Please see the attached complaint as there isn't enough room to list it all here. 

I've been lied to continually about the balance on a vehicle intentionally with the sole intent of extorting more money from me. There is no way that over XXXX  in " lawyer fees '' can be assessed in 3 business days after receiving an initial amount to satisfy the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. Two years before the alleged account was opened.

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 2023-07-11 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: MN

Complaint narrative:
There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. Two years before the alleged account was opened.

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