vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: PA

Complaint narrative:
I made a purchase on my Sportsman 's Warehouse card ( Comenity Capital Bank ). I had previously had my account setup for automatic payments of the full statement balance. Roughly two weeks prior to my payment, I cancelled the automatic payment, receiving email confirmation that it was in fact cancelled and that a payment would not be withdrawn. I then setup a new automatic payment of {$400.00} per cycle. I also received email confirmation of this. Forward to my payment date of XX/XX/30 and a payment of {$1100.00} is instead taken via ACH from my checking account. I notify them immediately and am told they will take care of it. After a week, nothing is done and I called back. I was told that it can take 14-21 business days for them to credit back the money they removed from my account without authorization. I was told that a " system error '' caused this. I asked to be compensated for the issue and the theft of nearly {$750.00} from my checking account. To date they have refused to do so. I have asked for a call from their " refund '' department and have had no return contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 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: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Hi, I originally disputed the debt on XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with Commonwealth Finance Account # XXXX. I asked Commonwealth fin to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure Commonwealth Finance would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the letter I also asked, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the Hipaa does allow limited information about me but anything more is to only be revealed with patients authorization, therefore my request is twofold- validation of debt and Hipaa authorization. Please provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. This has caused my life much financial damage so if the debt isnt validated within 30 days please have it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi I am having an unbelievable problem with paypal.com right now, I have a small business and I build and sell computer servers so I sold a bunch of goods to a good client of mine on XX/XX/XXXX and the transaction amount was {$34000.00} initially i did not want to use paypal because I dont like them but this client had to pay me with paypal so I said it is ok I have an old paypal account with no problems with it. So they sent me the money and right away confimred the purchase on paypal so paypal releases my money to me and they only released {$24000.00} and kept {$10000.00} in a reserve which I have never heard of reserves before I have heard of regular holds but not reserves. So i called paypal a few times and no one can give me an answer to when my money will be released like I said I have a small business and that is alot of money to be held. a month passed and I was getting angry so I messaged and called until i got an answer, one of their workers told me my account is put in a up-front reserve which means they will hold my money for the lifelong of the account and it is not scheduled to be released! This makes zero sense to me that is basically stealing I have called them many times and escalated this issue but it gets nowhere I am waiting for them to get back to me but I am tired of waiting I need this money for bills they keep telling me this is done for chargebacks but chargebacks don't take forever usually companies like paypal will hold the money for 2-4 weeks and once they see everything is good they release the money, on top of all that my client who received the goods from me already confirmed the purchase and told paypal it is all good! 

I am asking you guys to help me someone recommended you to me and told me you can help, also I am not the only one they have done this to I have talked to so many people but they told me they got a lawyer and got their money back, but I can not afford a lawyer right now and makes no sense that I have to pay to get my own money back! 

I have attached a picture of them holding my money with no schedule release if you guys need more info please contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi cards sent me a letter stating they wont reissue me a credit card. The reason on the letter stated Due to bankruptcy or charged off accounts we wont be able to reissue you a new card. and closed my credit card and making my credit score drop about 100 points. Ive never had any bankruptcy accounts or have any charged off accounts. I tried calling citicards several times to explain the issue but I get no help all they due is say we will investigate call back 10-14 days when I do call back citicard has no explanation! Due to them bringing my score down I cant even apply for another credit card or lines of credit. Ive taken care of my credit for over 20 years Ive never had a late payment. Ive never went over my credit limit. Why should I be punished for citicards mistake Before this issue happened my credit score was at XXXX. I called today again citi wanted to pull my credit to see if they can give me a new card. If they pull my credit my score will go down more and will probably get denied. I dont think what there are doing is fare. They really need to investigate this matter.

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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a issue with Bank Of America which is on XXXX and XXXX XXXX XXXX  XXXX, a teller in this branch helped someone else cashed my check under my name but not my signature on XXXX XXXX. I was trying to make solutions with them, but no one can help me exactly. They just said sorry for me and refused to claim the issue. The check amount is {$3800.00}. 

I tried call the fraud claim from their bank, the services told me they can not file the claim, because i don't have account with them, told me to call my bank. I think it is a huge joke, the money was not gone from my bank. There's no way I can solve the issue. 

I have a reciept from the hosipital, and the ID file below. By comparison, it can be found that the signatures are completely different. 

Hope to hear from you soon! 

Thank you : )

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I accrued a debt to XXXX mobile in the amount of {$1000.00}. In XXXX of XXXX I was sold a refurbished phone under the guise of a new phone. Within 3 months the phone 's speaker quit working. Attempts to replace the phone or repair the phone were unsuccessful. I quit paying for the phone as I refuse to pay for a broken phone. 

In XXXX of XXXX the debt was reported for collections and it subsequently appeared on my credit report, which I did not dispute. 

In XXXX of XXXX XXXX AGAIN reported the SAME debt to Convergent Outsourcing. It is illegal to report the SAME debt repeatedly yet XXXX refuses to quit filing the same debt repeatedly.

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 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Covid-19 effected me and my XXXX XXXX XXXX mother. We were effected physically and financially. I contacted my mortgage company for a modification, and they offered me the Covid relief plan. They gave me the covid relief plan and gave me twelve months mortgage free. I accepted their offer of no payment for twelve months. I received a call a year later demanding over thirty thousand dollars in back payments. I explained to them they never disclosed that this was a deferment of payments and that a balloon payment would be due on all of the rerage payments. They refused to modify the loan and demanded full payment or foreclosure. They have not responded to my QWR or my debt validation. This is another form of predatory lending. This loan is in both my name and my XXXX XXXX XXXX XXXX mother 's. This is also elderly abuse. The assignments that they've created are robo-sign which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-XXXX XXXX XXXX number starting with XXXX -XXXX XXXX XXXX  number starting in XXXX -XXXX XXXX XXXX XXXX number starting in XXXX -Amer Fst Fin Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.

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 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
It was it my medical bill in the year 2020, this company Phoenix Financial Serv put correction in my credit without let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 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 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted a written request for a refund to my federal student loan provider, EdFinancial, stating " The Department of Education announced that those who qualify for student loan forgiveness who have been making payments during the student loan pause are entitled to get a refund for those payments, and that, in order to do so, they need to contact their student loan provider directly. I am requesting a refund of all of the payments I elected to make during this pause, which were not required. '' and then called and made a verbal request on XX/XX/XXXX requesting a refund as well. I have received no updates nor any timelines and it has been 6 weeks since I submitted both a written and verbal request to EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage. XXXX Payment made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act Freedom Mortgage has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.

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 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a small loan of {$250.00} from Check n GO in XXXX of XXXX. Was unable to pay loan back promptly. Account was issued to a Debt collection agency in which Account was finished being paid in full by XX/XX/XXXX. I was then informed by both parties that the debt would be removed from loan database. It was not. Made several attempts at having it removed but debt is still showing up on XXXX  XXXX XXXX XXXX XXXX. Spoke with Check n GO today and was told they couldn't remove debt from XXXX since it was sold to collections. Spoke with Collection company debt was settled with and they told me that Check n GO HAS to remove it. I spoke with the Indiana XXXX XXXX XXXX and they also said Check n GO has to remove it. So I called Check n GO back and they say they do not have the ability to erase it and they can't do anything. All signs point back to Check n GO. I even called a lender I've never borrowed from to see what their protocol is and they also said that Check n GO has to remove the derogatory mark! This has been going on since XXXX and prevents me from doing things I need to do for my household. I want and need this Mark removed from my record, immediately. This is sabotage. If other people have had hardships and have worked hard to have them corrected, such as I, this can be damaging to them like it has been for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a tXXXX XXXX XXXX  with XXXX XXXX. Although I've been making on time payments and dropped my usage significantly on my account, they have no reported any of it to the credit bureaus. The high usage is no longer correct and is affecting my score when I'm trying to get approval for a home loan. It's been over 4 months since the last time the updated my account. I won't get any clear answers from the bank

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 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I attempted to conduct a XXXX transfer in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX ) checking account to my Bank of America ( BoA ) saving account. The money never arrived in my BoA savings account. 

I have called BoA and XXXX multiple times starting on about XX/XX/2022 in attempting to find out why the {$2000.00} was never received by BoA. I learned that there was an incorrect account number entered when the initial online XXXX transfer was attempted. In fact, there was a 2-digit error in the account number I entered, but the routing number was correct. 

When I provided BoA with the full account number ( including the correct routing number ) that I used to make the XXXX transfer, they informed me that no account number existed with the account number I entered ( via XXXX XXXX XXXX ). 

I submitted a claim to the third party XXXX vendor that XXXX uses on XX/XX/XXXX. I have contacted BoA multiple times and have been told : * They can not follow up to investigate this matter any further until they have a formal claim from XXXX. * BoA claims that they do not have an account for the account number to which the funds were sent. 

I am at a loss to understand why, if the account number I entered was incorrect, the {$2000.00} did not bounce back to XXXX. I also do not understand why BoA said that a claim by XXXX ( using their third party vendor ) has not yet been submitted. 

I believe that in fact, BoA has the {$2000.00} I attempted to transfer. They have it because it was indeed sent to the BoA tracking number. BoA has done virtually NOTHING to help me. They have my funds and have no interest in finding my funds in their system. I believe BoA has my money! This is legal theft! It should not be legal to keep someones money because of a typo. This is not a case where the money went to someone elses account. BoA has it!

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 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I contacted FirstPoint to advise them I was not the owner of these accounts ; they could not even properly verify my identity or and personal information such as my contact number or date of birth an address can easily be found. If You feel I obtained goods or services Please have a senior executive from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation