vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have been called repeatedly, up to 10 times a day, by COMENITY BANK. I can not block the calls because they use different phone numbers each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sent an email that my Chase Visa account was temporarily suspended due to unusual activity and would have to log in to verify. I did so and they asked for further information including my account number, birthdate, mother 's maiden name, and social security number which I supplied. Then they asked for a copy of my driver 's license or passport which made me suspicious so I logged off and called the credit card number on the back of my credit card who said they hadn't sent an email suspending my account, however I had already given the information including my social security number to the scammers. I immediately changed the password on my Visa account and placed a temporary hold on the account. 
Here is the email I got from the scammers including at the end a copy of the details from the sender : Potential unusual activity on your account We saw some activity on your account that didn't match your usual activity. We're concerned someone may be trying to use your account without your permission. Don't worry. To help keep your account safe, we've temporarily limited some of your account features. 

What do I need to do? 

To start using your account as usual again, please log in and follow the steps shown. This will help us secure your account. 

Secure my account Questions? 

If you still have questions, please choose Contact at the bottom of any page to reach Customer Service. 


Follow the link to opt out of future emails : Click here to unsubscribe Received : from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Credit Karma, LLC
State: CA

Complaint narrative:
I received an unauthorized hold for {$69.00} and attempted to chat with Credit Karma online to resolve the charge. The funds were " on hold '' and not accessible for my use. CK 's representative, XXXX, said the charge couldn't be addressed until XX/XX/XXXX, a week from now, that the unauthorized charge would need to complete and then I could ask for a refund. I asked XXXX repeatedly for escalation and was refused. Then I asked to speak with a supervisor and was again refused. I asked/demanded a total of about 12 times, each politely, and I never used coarse language or cursing, etc. After my 12 requests and demands, I was given the main phone number XXXX, and told to call there to speak with a supervisor. That number has a XXXX  of methods and menus to prevent consumers to actually contacting a representative, and no way at all to reach a supervisor/manager. I was finally able to reach a live overseas representative named " XXXX '', who asked me to upload pictures of my ID and a selfie of my holding my ID. She also refused to release the funds that were being held against my approval. I then asked her to escalate the call and allow me to speak to a supervisor, and she refused 7-10 requests, using misdirection techniques, including a " manager callback in XXXX hours '', and she finally told me she would go get a supervisor, and made me hold for several minutes until she returned and refused to allow me to speak to a supervisor. She hung up the phone when I got upset and demanded to speak to a supervisor. Clearly, they have no intention to escalate the issue in anything resembling real time. 
I'm livid because Credit Karma has no machination or willingness to protect me as a consumer, as its customer, and has no willingness as a company to solve issues of theft in real time. I have no access to these funds now, and no ability to speak to a manager or supervisor to address the issue. This is absolutely unacceptable. Is it legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my 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 2024-05-21 00:00:00
Product: Credit reporting 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:
The account of XXXXXXXX XXXX  XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Venmo had suspended my account late XXXX. They had not provided me a reason as to why. I have several XXXX dollars that they froze and are not allowing me access to. They told me they will investigate it in 3-5 business days. It has been nearly 2 months of me reaching out every week and them neither providing me a a reason nor timeline for resolution. I am frustrated as a speak for all low income Americans that a few XXXX dollars can make all the difference in paying of credit cards on time and not having a financial melt down. This is extremely predatory taking several XXXX dollars from those who can not afford it, keeping it and likely collecting interest on it, and not providing adequate communication as to why. This behavior should be illegal and regulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting 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:
TransUnion is continuing to ignore the law with regards to reporting fraudulent items. Theyve received Police reports, Identity theft reports, etc and have not followed the LAW and blocked all of these items. 

The items are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
My loans were forgiven in XXXX of XXXX and I was owed a refund of {$2900.00}. 

I've reached out to Mohela 11 times and each time I've been told my refund is processing and would be issued by the US Treasury Dept. 

Dates I've called are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All of the representatives I've spoken to have said the refund is processing and they can't provide any other updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Payfare International Inc.
State: TX

Complaint narrative:
I want to close my XXXXDash Direct account because I have 2 accounts. I have tried 12 times to communicate with the company on XXXX and XX/XX/year> to no avail. The number I called was XXXX. It is extremely difficult to get to someone who is with Payfare, and they do not identify themselves as such. The agents are in XXXX call centers and lack sufficient fluency in English to communicate. I was not able to get anyone who speaks English using the correct context, syntax and articulation in order to conduct a financial business transaction. The account I want closed has XXXX debit card XXXX XXXX XXXX XXXX connected to it. It is associated with the email : XXXX. It has account number XXXX. I have attached the most recent statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Hello, can this please be removed my credit? Ive been fighting these companies for a couple years now and I want this problem to be removed because this is will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( Art Institute of Pittsburgh ) , proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the Sweet v. Cardona/Devos case .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Recieved text from XXXX claiming to be with PNC Banking. A XXXX XXXX  payment {$2500.00} to XXXX XXXX withdrew. Replied NO. Notified fraudulant PNC Case # XXXX.Also Fraudulant verification code XXXX. They also called to verify it was my phone number. No other information was given out. I notified the caller That I did not have a PNC account. They immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is reporting to XXXX that I still owe a debt for a car US financed in XXXX. The car was paid in full on XX/XX/XXXX. The credit reports ( all three ) should reflect that.

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 2024-05-21 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Throughout the past couple of weeks, I've been fighting XXXX in a lengthy dispute process. This started when I bought a flight ticket on XX/XX/year> from XXXX XXXX in the amount of {$200.00}. When I bought this ticket, the XXXX website can consistently stated that if I want to cancel for a full refund I can do so within a XXXX Window. When I called in later that day on XX/XX/year> to cancel the ticket with the goal of getting that full refund promised by the airline. When I went on their website, they stated that an error occurred and to come back later. Well how am I supposed to do that if I want a refund within a XXXX XXXX. When their website had an error, I called their customer service over XXXX times and each time they states that they had a system outage and weren't able to process refunds. With that being said, they stated, " Call back later and we will be able to cancel your ticket for a full refund. '' With this being said I called back later and to my surprise they stated that I needed to show proof that they had an outage and request a refund with time, not instantly like they took my money. When I sent the proof, the customer service representative was on the line with me for over an hour, and she stated that indeed they had a system outage and she promised I'd get a full refund and apologized for the mess this has created. When I get a confirmation of my refund, behold they state that I had a non-refundable ticket and could only get {$75.00}, this is unacceptable especially when the company representative has admitted fault. I've got proof of trying to cancel my ticket on XX/XX/year> for a full refund of {$200.00}, this can be proved with time-stamped screenshots and phone calls! I've requested numerous disputes through American Express and they have stated that it is my problem, they will not work with XXXX to resolve this dispute, I want an entire refund. XXXXXXXX XXXX mistake is not my price to pay, please understand how frustrating and stressful this can be!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness. 

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I do not agree with Bank of America stating that I am delinquent 3 payments. I was instructed by Bank of America that in order to qualify for a trial modification on our mortgage that we would have to be two payments delinquent. They also said they would apply these two payments at the end of our loans. We requested some assistance to lower our monthly payment, we tried their trial modification and at the end of the trial our mortgage payment was much higher than the one we had so we turned down the modification. We have been trying to resolve this issue with this allege delinquency for over 15 years. Each time we start, they gave us a date, we submitted proof the agent just stopped communicating with us. Upon calling the bank we found out the agent that was working with us had moved or left the company. The same thing happened when we attempted to apply for other loans with Bank of America, they would lose our application and we had to start all over. one time an agent told me that our delinquency started when we transferred from XXXX XXXX XXXX XXXX. I do not feel that they updated my payments to my account accurately. Example payments posted in 2014 for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for {$1600.00}. I do not understand how I could have thousands of dollars in Unapplied totals and where the monies came from and where it went.

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