vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient has begun a harassment campaign against me by making many calls per day to my phone number from different states and at all times of day. This has resulted in a confusion between these Navient spam calls and important calls that I get during the day. I have missed an important call from a personal contact because the call was filtered out as spam along with the unreasonable amount of spam Navient calls. Navient 's phone call harassment campain against me can not continue because it might lead to me missing an urgent call for help from a family member or friend and the results could be disastrous. 

I demand that Navient immediately cease spam calling my phone number because this presents a tangible danger to my family and other contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Since XX/XX/2020, I have contacted Comenity Bank 13 times in writing and multiple phone calls to request that an amount of {$250.00} be reimbursed after it was incorrectly withdrawn from my XXXX checking. It occurred after a canceled payment in the XXXX XXXX XXXX  in XXXX Washington. 

I was able to obtain a copy of the canceled transaction receipt for the attempted payment on XX/XX/2020, of {$250.00} from the XXXX XXXX XXXX in XXXX, Washington. I sent them a copy as well that shows the transaction status states CANCELED, and then further down it states, " The aureus response text : DECLINED '' And the reason " Payments can not be made on a MasterCard account until a customer has received and activated their physical card, '' was given. I had not, in fact, received a physical card at that point. 

I also sent them a letter from my credit union, XXXX affirming that the transaction posted to my account and the funds of {$250.00} had been removed from my checking. The official letter gives the date, the time the transaction was initiated, as well as the trace number. 

I have submitted everything Comenity Bank has requested and still have yet to get the problem resolved. It has been going on for almost 8 months now. I have requested that the amount either be applied to my account or refunded back to my bank since I made a second payment of the exact amount from XXXX XXXX XXXX XXXX on XX/XX/2020 that was correctly applied by Comenity Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
I have been receiving calls from XXXX with message from XXXX XXXX. I returned the call today XX/XX/XXXX asked to speak with Mr. XXXX, he was busy so XXXX XXXX continued with the call. He stated that they are confirming a court appearance for me on XX/XX/XXXX regarding charges on claim with Check into Cash. I asked my intent to pay, make payment arrangements etc. I asked if they have sent me a validation or if they could do so as I was not familiar with this creditor/debt. He immediately hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/2020 - I accidently sent money to the wrong person in the amount of {$100.00}. I reached out to the individual and she refused to refund my money. So, I contacted Cash App to help me resolve the issue and they refused as well. I need my money refunded. A financial company that deals with transferring money should have an adequate process to help their customers in the event of a mistake. The fact that their only response is there's nothing we can do, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/2020, I was contacted by Midland Credit Management, a debt buyer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX about a credit card account that I had not used for 5 years. I never received a validation notice so I asked for a copy of the billing charges, payments and any fees that have been added. I was transferred to a manager who informed me that he could not provide that information to me. I told him that under the FDCPA I was entitled to that information and he wanted to know why I wanted it. I told him because I wanted to look at the dates of the charges, payments, and fees so I could validate the amount he said I owed. He started reading to me information & I again requested an itemized statement of all charges. He said he was looking at my statement and he was telling me what the charges were. I then asked if he was looking at the statement, then why couldnt he send me one? He refused again. He threatened to " take this to the next level '' and I said that I had not received any written notification of the account being placed with him before getting a telephone call just 3 days earlier. He then threatened or implied he was about to sue me so I told him I would have my attorney contact him. The statute of limitations in Mississippi is 3 years on any contract or debt. This was on Monday ... today is two days later..Wednesday, XX/XX/XXXX. Today I received a 2nd day air XXXX envelope with a " pre-legal '' notification with a demand that I pay in full by XX/XX/XXXX or they " XXXX '' proceed with forwarding this account to an attorney. What reeks of hyprocrisy is that this letter states that " These payment opportunities do not alter or amend your validation rights as described in our previous letter to you ''. I never received any notification but I did request a copy of the charges for validation and was turned down. I intend on pursuing FDCPA violations against this company as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's credit card is not creating a fraud investigation after several calls to the fraud and collections department, and continues to try and recover the debt. I last made charges on the account in XXXX of 2020, then in XXXX of 2020 several fraudulent charges were made on my account. Below is a brief timeline of the relevant events. 

-XX/XX/XXXX 2020 last legitimate charges made on the account. 
XXXX XXXX, 2020 first fraudulent charge -XX/XX/XXXX, 2020 last fraudulent charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
An account was fraudulently opened using my name with TD BANK XXXX and Ive filed a dispute with XXXX  and was not resolved. I do have a police report from the incident. Please investigate and remove negative item from my credit report. Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CO

Complaint narrative:
I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to TransUnion that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This TransUnion and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by XXXX XXXX XXXX, https : XXXX and is being reported by TransUnion. I have disputed the entry with TransUnion unsuccessfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The problem that Im having with Portfolio Recovery Associates is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit bureaus such as XXXX, Equifax, and XXXX  are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police 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 2020-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a {$200.00} payment from a bank account i was having issues with ( since closed ) which caused a late payment XXXX XXXX 2020 period ) and I immediately paid the {$200.00} in two payments of {$100.00} from my other bank. I sent paperwork from closing account via secure message showing the 200 should not have been returned, which they stated they received. The {$200.00} was above the amount due. Chase in turn closed my credit card account due to my credit report ( which I am disputing some incorrect information items. ) I asked them to reconsider and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc bank has been holding all not part of my funds since XXXX of this year and I have money in there from every month in this year

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPAS, Inc.
State: NV

Complaint narrative:
I received a statement from the hospital on XX/XX/2020 showing a balance due of {$480.00} and sent them a letter on XX/XX/2020 asking them to validate the debt and requesting an understandable itemized list of charges and documentation that I agreed to these charges. I continued to receive multiple requests for payments and responded to each request in a timely way but they continue to ask for payment including phone calls that I have asked them to stop. The most recent communications seems to come from a debt collector firm called NPAS instead of the hospital.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
In XX/XX/2020, I requested a forbearance under the Cares Act, but was recently notified by PHH that my request was never received. I sent PHH a notice of error letting them know of this mishap and to request a forbearance again. They replied and said that because my loan is in foreclosure I don't qualify for a Cares Act forbearance. I sent a second notice of error pointing out their mistake and for the third time requesting a forbearance under the Cares Act and pointing them to the FHA rules and the Cares Act that says I am eligible regardless of delinquency status.

Company response to consumer: Closed with explanation