vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: VA

Complaint narrative:
In XXXX, I had a collection account appear on my credit file from Knight Collection Bureau with the original creditor being XXXX XXXX. I have never heard of either of these companies & was extremely shocked when I saw this appear. I DID NOT receive any type of letter letting me know about this debt & the collection company reported to the credit bureaus without notifying me first. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you- this was not done & the collection agency needs to be held accountable for this failure to comply, along with the many other regulations both companies have failed to comply with. 

As soon as I saw the collection account, I contacted XXXX XXXX Knight Adjustment Bureau by sending them a debt validation letter, I also let them know I had no knowledge of this debt & it didn't belong to me. Once I received information back from XXXX, I learned what the debt was for & reviewed the contract they sent me, which was a digital contract with a digital signature. ( Please note : none of the contact information on the contract matches my information, from the address, to the phone number, to the bank account used for the original payment- none of it belongs to me. ) This account was created fraudulently, without my authorization or knowledge. I did not receive any goods or service, I had no benefit of any type from any merchandise they provided a line of credit for, nor did I even know about this debt until over 1 year after the fact when it reported negatively to my credit. 

I submitted a credit fraud form with the company & they refused to investigate it because I wouldn't provide them with PII via email due to already existing concerns with my personal information being compromised. 

Knight adjustment bureau removed the collection account then added it back KNOWING that I had submitted a fraud dispute with the company. I froze my credit file, I submitted a fraud alert, I submitted disputes with the credit bureaus, alerting them to the fraudulent activity. I filed an identity theft report with The Federal Trade Commission, then submitted that information to them. I have devoted many days & many hours trying to resolve this, it has been going on since XXXX with absolutely no resolution. Both companies are failing to comply with the laws & regulations they're bound by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have debt in my account that I have received no written communication on. On XX/XX/22, the collection agency filed a lawsuit regarding this. They still have no provided a written notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I have reported several times that the information reporting on my credit is incorrect in results of identity Theft. These accounts are still reporting on my credit to all three credit bureau please remove these from my account as this is affecting me to be able to buy a home. There are also addresses associated with my account that are not affiliated with me please have this removed immediately from my account. Every time I check my credit report things are constantly reporting that are not associated with me. I have filed police reports and also filed a complaint with the FTC. The following accounts are XXXX DRS XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX in the amount of {$290.00} XX/XX/XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX {$870.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: PA

Complaint narrative:
I do not recognize this debt. It is on my credit report and I did not receive a written notice of right to dispute. Not sure if this is legitimate.

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 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
On XX/XX/2022 I reached an agreement with Columbia Debt Recovery DBA : Genesis. This agreement stated that following payment of {$11000.00}, which was made at that time, I would be absolved of responsibility for that debt in addition to the information being deleted from my credit reports. The deletion of this information was a predominant reason for remitting payment. The letter I received states it may take 3-4 weeks for the information to be updated, as of this writing it has been approximately 6 weeks and the information is still displaying on XXXX and XXXX credit reports with an amount that hasn't been updated since XXXX of this year. This failure to delete this information has caused undue hardship. I attempted to remedy this by contacting the number listed on the agreement and I was greeted by a particularly adversarial representative who first claimed the agreement didn't state a 3-4 week timeline. When I stated it did and she saw that it did, no apology was made and she abruptly asserted that they submitted information to the credit bureaus approximately a month prior. I do not believe this to be accurate as the information is both still showing on my credit report and is also grossly inaccurate. As the company did not resolve this issue at that time, I proceeded to submit disputes with the credit bureaus, unfortunately the dispute process takes an additional month prolonging the hardship caused by the companies failure to delete this information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was selling a futon on XXXX XXXX worth {$70.00}. The buyer contacted me and said he can transfer the amount right away but only through XXXX. So I gave my email address and he transferred the {$70.00}. Immediately I got an email from XXXX saying 'My account needs to be upgraded to a business account for the money to be credited '. And to make this happen there has to be mutual transfer from both buyer and seller. I fell for it and kept transferring until ( 5 transactions worth of {$300.00}, {$400.00}, {$100.00}, {$1500.00} and {$1500.00} : total of {$4700.00} ) I realized it is a scam. 

I started the transactions on XXXX. My bank ( bank of america ) statement showed the transactions dated XXXX. 

I complained to my bank on XXXX and opened a claim. They are in touch with the recipient 's bank but have not made much progress.

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 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later. 

The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX  plan and have been for many years. I paid my debt in full to XXXX  when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to electronically cash a check made out to me by a business. 

The app accepted the check and stated funds would clear the next day. 

On XX/XX/XXXX i got an email saying the check was denied but no reason why, i made contact with Chime via Phone and they couldn't assist me and told me to email them, i sent multiple emails with no replies. 

I have had this problem multiple times with Chime, they for some reason offer check deposits but do not honor them and when questioned have no answer, this is a big concern for me. 

To date i still have not received any correspondence or contact regarding this problem from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I applied for a loan with uplift for a loan and received an adverse action letter. I am a natural person, consumer who extended my credit in good faith to obtain a loan through Uplift. I was denied an extension of credit. Can someone look into this for me immediately! Pursuant to 15 usc 1691c 1692k 1691

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX I arrived home from a 45 day rehabilitation retreat where we were not allowed any contact with outside world. Once home I checked my XXXX Bank of America Card Expecting to have {$4000.00} +. When I checked I noticed my account had been drained. I immediately called BofA and was informed I needed to call back on Tuesday the XXXX because the Claims was closed for XXXX XXXX. I shut off access to my card on that call. 

I called the claims department 1st thing Tuesday morning to report my claim. The claim amount was for {$4200.00} of unauthorized charges. 

On XX/XX/XXXX I Received a Provisiona Credit in the amount of {$4200.00}. On XX/XX/XXXX I received mail from the BofA Claims department saying the charges were unauthorized and the provisional credit will stay. 

On XX/XX/XXXX or possibly the XXXX my account was closed without any warning and the {$4200.00} was deducted from my account. 

That same day over XXXX people had the exact same thing happen to them. 

On that same day I received another piece of mail from the Claims department but this time the letter said they had ruled against me. 

I contacted the Claims department immediately and for the next 4 months was given the run around as BofA played the blame game blaming XXXX while XXXX said the issue was with BofA. 

Well we all know now the truth and the truth is BofA was using automatic fraud filters and on the same day everyone whom had am unauthorized claim had their account closed and money deducted. 

I fought this for 6 months and lost everything. Then I got word that BofA was fined XXXX XXXX and ordered to pay back the people ( me ) who were impacted by this atrocity. 

I called in and was informed they reopened my claim on XXXX XXXX. 

Since that date I have called over 25 times. Been put on their TRACKER 10+ TIMES AND HAVE OVER 15 COMPLAINTS FILED through their CSR Every call it's the same XXXX YOUR CLAIM HAS BEEN REOPENED THEY ARE WORKING ON IT. 

I've requested access to their investigation after they ruled against me more than 4 times and never received anything... you know why. ... nothing was investigated ... itbwas an auto decline due to a faulty filter system. 

As of today it's almost been 2 years. 

.. BofA has broken every rule in the banking book when it comes to the handling of claims.

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 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: AL

Complaint narrative:
My XXXX score has improved considerably but my requests to lower interest rate has never been answered. Poor customer care to not even respond. 

Ive asked to change the checking account for withdrawal many times over the past 2 years. Again, very poor customer care to not even send me an email. Any correspondence is flagrant and disrespectful. I consider this company fraudulent because their tv ads are filled with lies about their customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NV

Complaint narrative:
I obtained a loan designated as a personal loan for business purposes in 2021 from BHG but was not provided with final loan documents, nor monthly statements. I do not know how much is left on my loans, what interest has been paid, or any other information because I have never received monthly statements nor access to an electronic version of my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Emergent Business Group, Inc.
State: IN

Complaint narrative:
Emergent Servicing failed to send a written notification of the debt that was allegedly owed to XXXX. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with Emergent Servicing, it is with XXXX. As far as I am concerned this balance has been paid in full since Emergent Servicing paid off what was owed to XXXX in an attempt to try and EXTORT money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: IL

Complaint narrative:
The following inquiries do not belong to me .... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-09-09 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: EdFinancial Services
State: VA

Complaint narrative:
I called Edfinancial on XX/XX/XXXX for assistance refunding my loan payments made since XX/XX/2020. Under the CARES Act, I am able to ask for a refund on this payments, and get my loan balance reinstated to the amount before this payments. They agreed to submit a ticket for me. 
I asked for a confirmation email and a timeline for when my refund may be expected. But they said that they do not have any way to email a confirmation the refund request is submitted nor give me a timeline sooner than 150 days. 

I attempted to contact them 3 times this week but all 3 times the phone lines would disconnect and I would be forced to wait again for at least an hour for an agent. 

This is unacceptable because I am utilizing this refund to maximize my student loan forgiveness. If they process my refund after the interest free period is over I will be forced to pay interest on loans that should already be forgiven under the new student debt relief. This lack of transparency is unacceptable and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

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 2022-09-09 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: GA

Complaint narrative:
I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

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 2022-09-09 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: Chime Financial Inc
State: FL

Complaint narrative:
I have lodged several complaints with Chime about a charge i have on my account and i have never received the items. 

Chime refuses to handle the complaint, within 12 hours of my initial complaint they advised me my chargeback was denied and they offered to send me paperwork on why it was denied, i requested this paperwork and it took them 4 days to get it to me, i have attached the paperwork to this complaint, their reason was they couldn't make contact with the merchant... this denial was within 12 hours of the chargeback initiating, how is it they couldn't make contact with the Merchant? 

I did advise them i attempted to rectify by the merchant was not responding and their webpage was no longer in operation, they still don't listen nor attempt to assist. 
All i get is generic scripted emails with no opportunity of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FlexShopper, Inc
State: IN

Complaint narrative:
XXXX XXXX failed to send a written notification of the debt that was allegedly owed to FlexShopper. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with XXXX XXXX, it is with FlexShopper. As far as I am concerned this balance has been paid in full since XXXX XXXX paid off what was owed to FlexShopper in an attempt to try and EXTORT money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation