vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/2022 I tried to purchase a dog through a reputable dog rescue shelter out of Ohio. Pictures were posted on their website and I messaged them telling them I applied for the dog. At this point I have never adopted a dog so I'm not aware of how it works. I did what they asked for application and then they asked for payment. I went through my XXXX app on my phone which is connected to Zelle as that is the form of payment they were asking for. I set Zelle up for this transaction because I have never used Zelle before. I sent over the {$300.00} they were asking for and never heard from them after that. When I reached out to the animal shelter on XXXX the same day they never responded to me until they got their account back from being hacked. 

I filed a police report and a dispute with XXXX on XX/XX/XXXX. XXXX stated that I would receive the {$300.00} within 10 business days because it was fraudulent activity and that they had 45 days to dispute it with Zelle. I never received my money to only receive a denial letter in the mail that XXXX denied my claim and I had to go through Zelle to file a dispute. 

I have been unable to get ahold of Zelle since then, until today after going to XXXX yesterday ( XXXX ) and them escalating my request. For that employee to tell me today that they will not refund my money because it was a SCAM and not FRAUD. Stating that all they can do is educate the customers on how to use Zelle so this doesn't happen again. XXXX will also not pay me back due to their policy with Zelle. 

I did not receive anything for the {$300.00} that I paid out and I'm not understanding how any of this is my fault and how I am suppose to know that the XXXX page would get hacked. XXXX is partnered with Zelle and they are doing nothing to help out their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXXhas violated my federally protected Consumer Rights to Privacy and Confidentiality.

15 U.S.C. 1681 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid my car off on XX/XX/2022. JP Morgan Chase Auto Finance has acknowledge this when I call them and the automated system says this. Per Texas Law they have until XX/XX/XXXX ( 10 business days ) to release my title. They have failed to do so. Chase gives me different answers each time I call. Twice I was told it was not done ( on XX/XX/XXXX and XX/XX/XXXX ) and would not be done until XX/XX/XXXX. That is unacceptable and Chase is refusing to help. Account number : XXXX VIN : XXXX Please assist. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
So basically my online access is blocked they wont give access to it and are trying to close my account for no reason I have kept my account good no issues please so can you guys stop them from closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was threatened by the collections company. That I would be sued. Judgment and jail time. For both accounts that are old debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
There are patterns for the Roundpoint Mortgage Service CORP to charge the customer whatever they want and whenever they want to, without disclosure or knowledge of the customer. There is a {$15.00} fee never disclosed to me, after I have found it, I requested it many times for the reasons. no one would be able to tell me what is it and never send me the detail as they promised. Just charge it anyway and rolled it up to loan modification. Finally, a lady said it was the home occupancy inspection on XX/XX/2021. That is XXXX because I was asking to exit forbearance starting in XXXX of XXXX calling them every week.

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 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-06-28 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: TX

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020

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 2022-06-28 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, 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 XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted Portfolio Recovery Associates , LLC. Around XX/XX/2022, to request verification of my debt to them. I demanded that they produce my original contract containing my signature, which was not done within 30 days of my request. 

Additionally, the agent opened a dispute on XX/XX/2022, which should have triggered the removal of said items within 5 business days until the investigation was complete. That never happened. The questioned items are still on my consumer report and have remained since then. 

Since XX/XX/2022, the company has only sent a billing statement from XXXXXXXX XXXX XXXX which does not verify any debt. There have been XXXX attempts to furnish my original contract, nor any efforts to make an investigation/ rectify this matter in a timely or fair fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I attempted multiple times to get my correct current balance and pay my XXXX credit card online. The website said there was a " glitch '' and try again later. I tried to reset my password but that did not function. I called Comenity Bank, the number on the back of my credit card on both XX/XX/XXXX and XX/XX/XXXX and both days received a message that the bank was doing a planned update that was taking longer than expected and to call later, then it ended the call. 
My credit card is due today but the balance I have does not reflect hundreds of dollars in credits for returned merchandise. I do not want to overpay but I can't access my balance, or anyone to tell me the current balance. I should not have to pay interest and penalties when I have attempted to pay online and by phone for 2 days. 
I was unable to reach a live person at Comenity by phone. Although I tried for two days, their recorded message instructed me to try at a later time and then hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: American Consumer Credit Counseling, Inc.
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have been paying fees to American Consumer Credit Counseling for debt management. I paid {$5.00} per account per month, which added up to {$870.00} in fees total. I would like a refund for that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank sites have been down for 2 days. I have several store credit cards through them. You cant call either. Centers are closed. I want to make sure I am not charged any late fees or have any negative credit reportings due to their lack of communication as well as not being charged interest for the month due to the fact that I can not pay the bills and the balance and interest is accruing at no fault of my own due to their lack of planning and competence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had a Sony Visa credit card for years. Comenity Bank is the current holder of my account ( since it's been sold at least 3 times now because I always pay the balance in full and nobody makes any money from me ), and it now sounds like Bread Financial has either taken over my account, or has purchased Comenity Bank. In any case, I tried to make a purchase on XXXX, like I've done hundreds of times, but XXXX said the purchase was declined. When I go to the Comenity web site, there is a banner across the top of the page stating " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I attempt to log in to my account, I get an error stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried calling the phone number on the back of my credit card, and there's only a recording with a similar message telling me to call back later. I tried researching this problem online and it sounds like Comenity customers have been having these issues since XXXX XXXX, 2022 ( 5 days now ). 

At this point, I can't use my credit card and I have no idea when/if I will be able to use it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TX

Complaint narrative:
I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$9500.00} Date Opened : XX/XX/2007, XXXX XXXX XXXX XXXX Balance : {$47000.00}, XXXX XXXX Balance : {$3700.00} Date Opened : XX/XX/2007

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
The account was paid off and I was told it would be deleted. After payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX has violated my federally protected Consumer Rights to Privacy and Confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL 3 CREDIT BUREAUS.

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 2022-06-28 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: MI

Complaint narrative:
XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL XXXX CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MN

Complaint narrative:
I received a letter and related information about protecting myself against identity theft from a " Lakeview Loan Servicing , LLC '' on about XX/XX/XXXX. Lakeview claimed that it " currently or previously owned the servicing rights to a mortgage loan '' I have or had whereby it " used a third party to provide servicing. '' Lakeview informed that sometime between XX/XX/XXXX and XX/XX/XXXX an " unauthorized person '' had obtained access to its files on file storage servers and may have obtained my name, Social Security number and possibly drivers license, financial account information and/or other information provided in connection with a loan application or loan servicing. 

Lakeview asserted that it had engaged " XXXX, a third party with monitoring expertise, to provide identity monitoring services at no cost '' to me for one year with services including " Credit Monitoring , Fraud Consultation and Identity Theft Restoration. '' It provided an internet address for " krollmonitoring.com ''. 
The only servicer I have and have had since refinancing my mortgage in XXXX is XXXX XXXX, XXXX. with which I communicate only through the US mail. XXXX is not even mentioned and I've never heard from XXXX about this breach of data or threat to theft of my identity. I think this is a " phishing scam '' which should be stopped and shut down.

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