vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prime Recovery LLC
State: TN

Complaint narrative:
Two 3rd parties, my mother and a close friend, have received text messages from Prime Reocvery LLC today XX/XX/2021 regarding a debt for XXXX. The text sent to my mother reads " XXXX XXXX This is Prime Recovery LLC please contact us regarding XXXX Go To www.primerecoveryllc.com to LIVE CHAT or Call XXXX use File # XXXX This is an attempt to collect a debt any information will be used for that purpose. Reply STOP to unsubscribe. '' The text sent to my other friend was not directly copied to me, but my friend said it mentioned calling them to resolve a debt and mentioned an amount of 2 payments of {$270.00}. Neither of these 3rd parties are me, or have ever been listed as contacts for me. My concern is contacting 3rd parties and the text clearing giving my personal debt status information out to that 3rd party in doing so. My own phone number has received no such texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Took out a loan Archarge Credit Card XXXX XX/XX/XXXX in the amount of {$6700.00}. To avoid any interest payment, the loan was to be paid back by XX/XX/XXXX. I made monthly payments and the last payment I made from my home equity account did not go through. I was not notified until after the date and I was charged all the back interest at 27.99 %. I paid the entire amount in XXXX to not incur any additional interest charges I spoke with the company and they said I had no recourse. I tried to call the company today get the amount of interest I was charged- the recording said my account was closed and it hung up. 

Understanding there has been some time, but we had medical issues and XXXX has been a distraction. Please let me know if you can help me. 

thank you, XXXX XXXX NOTE : I recently moved from XXXX XXXX XXXX XXXX, XXXX, NJ. My new address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is holding up transactions in processing and posting them on those dates when the funds are not available so that the bank can charge overdraft fees. Even though The merchant charges my account gets approval from the bank of America and then the bank post that charge on the day when the funds are low to make overdraft fees. Every month they take out over {$100.00} in overdraft fees. 

On the XXXX of XXXX XXXX XXXX  charges were posted as you can see below funds were available and approved by the bank they held that charge in processing till XX/XX/XXXX. I was under the assumption that the charge has gone through and paid. They posted that charge on XXXX XXXX when my account balance was low and collected {$75.00} in fees as you can see below. This happens all the time and the bank is deceiving their clients and stealing money from their account. When I asked for a refund they stated it's not a bank error. Bank of America uses overdraft fees to generate revenue by deceiving its customers.

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 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021. I tried cashing a chck made out to me from my Property management company for XXXX and had current drivers license. Bank of America refused to cash the check because i did not hold an account with them

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: AZ

Complaint narrative:
I noticed about XXXX of fraud on my account. I tried to dispute these transactions on there website but for 3 days it said I have no transactions to dispute. So I called in XXXX to dispute the transactions. Guess what the rep only took notes. Fast forward a rep calls me Monday and says the rep could not dispute the transactions I would need to go over them with her. 

Then she had the same issue and it said I had to transactions to dispute on this account. Then she put me on hold to someone in another department. 

Well guess what the call got disconnected and she did not call back. 

I am hold for XXXX minutes now. This customer services sucks. 

I feel like they do this on purpose not to get your money. 

I Have XXXX in fraud and couldnt even pay rent because of this. Horrible way to treat a veteran like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have had to call XXXX times over the past few months trying to get my student loan refinance overpayment check refunded to me and so far they tell me the same thing every week that it is in accounting to be processed. I have been placed on numerous " rush order '' lists that are supposed to expedite the process, but nothing has moved in this time. Calls occurred on XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). 

This was a refund check for XXXX $ so no small amount. That could have helped me pay my loans on time last month, but I had to make late payments due to this mishandling of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
XXXX XXXX 1. XXXX XXXX credit limit {$9000.00} ( closed ) FRAUD 2. XXXX Bank credit limit {$5000.00} ( closed ) FRAUD 3. XXXX XXXX XXXX  {$140000.00} ( closed ) FRAUD 4. Idaho XXXX and XXXX loan amount {$7200.00} ( closed ) FRAUD 5. XXXX balance {$340.00} ( closed ) FRAUD 6. XXXX XXXX balance {$0.00} FRAUD 7. XXXX XXXX XXXX Balance {$0.00} ( closed ) FRAUD XXXX. XXXX XXXX XXXX XXXX {$2100.00} FRAUD 9. Dept of Ed XXXX Balance XXXX FRAUD 10. Dept of Ed XXXX XXXX {$3000.00} FRAUD 11. XXXX XXXX XXXX {$140000.00} ( closed ) FRAUD EQUIFAX EQUIFAX XXXX XXXX XXXX bank XXXX balance {$0.00} ( closed ) FRAUD opened XX/XX/2018 XXXX. XXXX XXXX opened XXXX XXXX Balance {$0.00} ( closed ) FRAUD 3. Department of ED XXXX Balance {$1700.00} ( open ) FRAUD 4. Department of Ed XXXX Balance {$3000.00} ( open ) FRAUD XXXX XXXX 1. XXXX XXXX XXXX Fraud Inquary 2. XXXX XXXX ( closed ) balance {$0.00} 3. XXXX XXXX ( closed ) balance {$0.00} XXXX. XXXX XXXX ( open ) balance {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account from ABLTY RECVRY account number XXXX has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company which the claim {$690.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OpenRoad Lending
State: FL

Complaint narrative:
open road lending refinance company. when i first looked at XXXX XXXX list of refinance and information. open road starting calling me about my loan for personal or refinance auto. i told them no i do not want their services and their apr is above 200 %. that is not for me. 
i started to get phone calls over several times a day about 2 months ago and told them stop calling me and stop looking into my credit. i do not want anything from open road, especially after i spoke with a representative and she told me i qualify for their loan of XXXX i told no i did not request for that if anything i looked into other options XXXX XXXX offered and just use the estimate calculator for a XXXX loan. she said okay we can do that at above 200 % apr i said no do not use my profile and stop calling me i do want your services also stop running my refinance of auto i already was approved back in XXXX - XXXX 2021XXXX as of today i got another hard hit on my auto history credit report all three major and still still being denied by the same company open road lending refinance application number as of today XXXX XX/XX/XXXX2021 i did not request for anyone process any loan auto. i want every and each of auto credit companies that continue to deny my auto refinance to remove from my credit history especially from open road lending refinance company. Also a male customer service rep was calling me over and over for me to agree on any loan i told him to stop stop calling me or i will report you and the company to cfpb. so again if i refuse the loan by phone which i have several times. now i am getting too many hits on my credit history on each major credit bureau and derogatory credit factors : i am not late and i do not have any collection and at this moment my credit history is ruin with too many repeating denials also from credit card companies. i keep getting notices and i know for a fact. i did not apply for the letters that i keep getting recently. i believe my personal profile is and has been tarnish and because i continue to say NO! i do not want any credit or loans or anyone calling me I have notice a duplicate, triplicate trending of my credit being hit hard inquires. how can cfpb help my credit history. please this is too much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
XXXX XXXX has called me in the last three months from MULTIPLE 646 exchange numbers. Saying press one to be removed, calling from a recorded line. I ALWAYS REQUEST TO BE REMOVED. PRESS 1. YET THEY CONTINUE to call. It is at least 10 times a day. It is absolutely ridiculous. 

I have texted stop I have looked for a website to be removed there is not one I have put my number on the do not call registry Please make them stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2021, I received a series of emails from Fifth Third Bank, indicating that a card was activated, that the cards PIN was changed, and a purchase alert for {$4800.00} at XXXX XXXX I immediately called Fifth Third upon receiving these emails and reported fraud. I indicated that I hadnt requested a new card or received a card with the number indicated. I made a report with the XXXX Police Department on XX/XX/2021 and gave the police report number to Fifth Third. I also got a letter from Fifth Third dated XX/XX/XXXX acknowledging a suspicious purchase on my card and stating that the card was blocked. I recently received a letter from Fifth Third denying my claim. The denial stated that my claim was being denied because the card has a chip and was used at a chip-enabled reader. However, I did not have this card and did not make this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I recently pulled my XXXX Credit Report and discovered some fraudulent accounts had been reporting in my name. Accounts that I have no knowledge of, never done business with the originator or the collections agency. I have contacted XXXX again via written certified letter and asked to provide me information that the have the helped them come to conclusion and determined/ verifed that this debt from this particular company, " Mercedes Benz Financial Services/ partial account # XXXX '', belongs to me. I have sent them police reports and copies of my ID and an old lease of residence of where I was living when the theft/fraud occurred resulting in this account being opened. Mercedes Benz has not contact me about this debt, XXXX is the credit bureau that is reporting this fraudulent account. 

Years ago I was a victim of severe ID theft and still to date I'm delaing with someone who still has my personal information and trying to obtain credit in my name. 

I have attached the new police report I filed this year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A representative from Bank of America said that they would accept a check to avoid overdraft fees, but then placed a hold on the funds in order to maximize fees.

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 2021-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is another attempt to resolve an issue with the company and debt collector Capital One, and according to 15 USC 1692a ( 6 ) capital one is in fact a debt collector because they repeatedly use the mail for the principle purposes of collecting an alleged debt. 

I, XXXX XXXX, ( my, I, me ) am a consumer. 
Capital one has federally violated and continues to violate my rights as a consumer, and natural breathing person by committing fraud and taking ownership of an account that was created for me, XXXX XXXX, on XX/XX/XXXX and closing the account ending in XXXX with unauthorized use pursuant to 15 USC 1602 ( p ). 

As of XX/XX/XXXX Capital One received a notice to cease and desist communication and illegal activity pertaining to the account ending in XXXX. During this time, I also requested Validation of the alleged debt ending in XXXX, which Capital one said I owed.

Capital One refused to comply by still communicating/reporting missed payments in regards to this alleged debt and the closure of this account to a credit reporting agency therefore in violation of federal law pursuant to 15 USC 1692c ( b ) Capital one also failed to VALIDATE the alleged debt pursuant to 15 USC 1692g by stating they found verification which is not validation by public records which is also invasion of privacy. 

It is fact that the account was closed not by me, XXXX XXXX, a consumer and creditor pursuant to 15 us 41, but by Capital One, the debt collector, and without proper validation of such alleged debt. 

It is fact Capital One is at fault. 

All exhibits are enclosed, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: RI

Complaint narrative:
TRS Recovery Services is trying to collect for a creditor called XXXX XXXX. I never did any business with this XXXX XXXX company. TRS is stating that I owe XXXX XXXX {$1000.00}. I never made no inquires to this company and never told them to open an account for me.

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 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is Extremely unfair and disturbing that I could dispute a debt and it continues to be damaging to my credit reports for years and years after Ive disputed. I reached a settlement amount and paid it ( receipt attached ). I was originally told by the customer service agent that a letter could not be sent to me of the settlement terms which was very deceptive. After paying the settlement amount, the account was to be deleted from my consumer report and it never was. Wells Fargo Bank, XXXX, doesnt have any right under Federal Law to continue to report accounts to the reporting agencies damaging the consumer reputation and credit worthiness. Again, the Wells Fargo account and erroneous information noted is extremely damaging and this debt needs to be deleted from my consumer reports immediately.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  NV ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$590.00} Repossesion : XXXX  XXXX Balance : {$9200.00} Chargeoff XXXX  XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
LEXIS NEXIS keeps hanging up on me when I call to request their consumer report file they have on me. 

The last call I made to LEXIS NEXIS on XX/XX/2021 - XXXX provided the verified address on my driver 's license - which they claimed did not match their system. 

I am very concerned LEXIS NEXIS is, allegedly, defaming and misreporting information in my consumer report file - which is causing credit declines and adversely affecting my ability to do business. 

I request LEXIS NEXIS either provide electronic access to my report or, in the alternative, mail my report to me : XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX If LEXIS NEXIS continues to refuse to provide me my consumer report in a reasonable time- I shall take all appropriate legal action per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation