vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My problem is with a Frontier Airlines MasterCard. On XX/XX/XXXX I noticed charges for {$850.00} from XXXX XXXX and a charge for {$53.00} from XXXX XXXX XXXX. on my card statement online I check my account everyday. I immediately contacted the credit card company to report these as fraudulent charges. They said they would investigate. Today, XX/XX/XXXX the charges were again posted to my account. I again immediately contacted my credit card company. They said the charges were correct. They had proof that I had made the purchases. I explained that this was simply not true. I wanted to know what proof they had They said these were tickets purchased that were send to me with my name and mailing address, This is a complete lie. I never received any tickets, as I did not make the purchase. When I ask them to verify the name and address they were sent to, they would not do this. I have filed a police report and again disputed this charge. I contacted XXXX and put a fraud alert on all of my credit accounts. This issue needs to be resolved I did not make these charges. I was told to contact the merchant, but this is impossible, because when I call them they want an order number, which I do not have Or then they want my email address, which they say does not match anything on their records. Then they want my zip code, which again they say does not match So what I want to know is what proof does my credit card company have, I do not plan on paying for these fraudulent charges.

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 2022-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: DE

Complaint narrative:
PROF DEBT ( XXXX AT XXXX XXXX  ) CURRENTLY VIOLATING MANY OF MY FCRA & FDCPA RIGHTS!!! THE ARE UNLAWFULLY REPORTING A ACCOUNT WITH MANY VIOLATIONS KNOWINGLY TO MY CONSUMER CREDIT REPORT WITH MANY VIOLATIONS & INACCURACIES!!! 
I WILL PROCEED WITH LEGAL ACTION & REQUEST COMPENSATION FOR EVERY SINGLE VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. Bank of America : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. XXXX ; opened XX/XX/XXXX ; Account # XXXX 4. XXXX XXXX Account # XXXX 5. BK OF AMER Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. XXXX : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) acct # XXXX The following inquires were not authorized by me : 1. Bank Of America ( Bank ) XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/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 explanation
Consumer complaint received 2022-02-11 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I paid Navient the monthly payment of {$51.00}. I called them and made the payment on XX/XX/22. When I called, I spoke with a rep, and asked them if I could change the payment date to the SEVENTEENTH ( 17TH ) of each month, as the original payment date of the 2nd, kept falling on or near the weekends. The rep asked me what date I would like to switch the payment date to, and I said, I would like the payment date changed to the 17th of each month. 

The rep and I confirmed that the new payment date is on the 17th and this is verified via the recorded conversation. So imagine my surprise, when Navient disregarded these changes and called my phone several times TODAY. 

Speaking with another rep today, the rep CONFIRMED that the date was changed ( this is confirmed via recording as well. ) Now Navient is saying that the rep didn't put the date in, and the only thing that they can do is have me make a payment TODAY ( Not in the agreement ) to bring my account current, and then they would see if they can change the payment date to the 17th starting NEXT MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
Ive been scammed on the internet by a so called trading company. When these people were in the process of scamming me I received a letter through my regular mail about the Lending Club bank based in California. They were offering high interest rate loans of up to XXXX XXXX. Because I was operating under the illusion I was making good profits in the gold vs dollar market and being conned by the scammers, I applied for the loan to deposit more money in my trading account that in the end was all fake and I could never withdraw any money from it. The loan was approved in 3 days and they did not ask for any proof of income. They only checked my credit score and went ahead with the loan. Now. this scam I was the victim of is being investigated by the FBI. I had never applied for a loan before and did not search on the internet so it is really kind of weird I received that promotional letter from Lending Club at the moment I was being duped. Im in the process of filing for bankruptcy since it will be impossible for me to make 1390 monthly payment for 36 months. The first payment has already being debited from my bank account but I intend to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have written over 10 cease & desist to XXXX XXXX. Once I send the letters a month later they send me the same letter with a differ reference #. This has happened more than 3 time. I thought it was illegal to continuing to contact the consumer once the Cease & Desist letters are sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-11 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: World Acceptance Corporation
State: TX

Complaint narrative:
World Finance Corporation and I had an agreement on XX/XX/2022 for a payment of {$430.00} to satisfy the account as paid as agreed. 
However the creditor sent a settlement letter with the header date of XX/XX/2022 which was dated by the United States postal service as XX/XX/2022 requesting {$430.00} be paid by XX/XX/2022. The letter sent from the creditor is fraudulent and is a violation of the original agreement, because I sent a certified letter and cashiers check of {$430.00} on XX/XX/2022 in agreement for paid as agreed. The creditor deposited the check but fail to honor the agreement made between myself and the company as paid as agreed with a XXXX balance and report the correct update on the credit bureau reporting agents. Also the reporting amount due before the {$430.00} was {$720.00} and the original amount was {$960.00}, well the balance has changed several times after receiving the agreed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I purchased a 2018 XXXX XXXX in 2018, which was financed by Ally Financial. I purchased Gap Insurance at the time of financing. The vehicle was involved in an accident XXXX XXXX declared a total loss. XXXX XXXX paid Ally {$27000.00} ; the amount calculated as the value of the truck according to their records. This amount did not satisfy the loan, so I followed up with Ally in reference to the Gap coverage. Ally proceeded to inform me that they did not hold the Gap Insurance and that I needed to contact them. I inquired as to the name of the carrier and several telephone numbers were provided. I contacted one the numbers and the assistor answered Ally Financial, this left me very puzzled. I proceeded to inquire about the procedure for filing a claim to have he loan satisfied ; the assistor advised of several actions and documents that I needed to provide and that I would probably need to contact the dealership for some of the information. I contacted the dealer, obtained the requested information/documents and forwarded to Ally. After a few weeks passed I contacted Ally to check the status. I was informed that it was still being reviewed and once a determination was made payment would be issued. A payment of {$51.00} was made toward a balance of approximately {$1700.00}. This amount is continuing to accrue penalties and interest as an unpaid balance. From what I was advised it is also being reported to the 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 explanation
Consumer complaint received 2022-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXXUnfair practices Under XXXX XXXX XXXX XXXX civil liability

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 2022-02-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXXUnfair practices Under XXXX XXXX XXXX XXXX civil liability

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 2022-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage has been negligent of their responsibilities of handling my loan ; due to Covid-19 restrictions, we opted into the Covid-19 forbearance until we could establish financial options back in XXXX of 2021. In XXXX of 2021, we contacted freedom mortgage to re-establish payment and opt into the VA partial claim loanXXXX Freedom Mortgage sent us documents about the VA Partial Claim Loan in XXXX. However, the documents were not reflecting a modification to our escrow, as I am exempt from paying NJ state property tax as I am 100 % VA XXXX. Upon speaking to a Customer Service representative with Freedom Mortgage, I was advised not to sign the documents, the Freedom Mortgage Associate would request new documents. Each week following, I contacted Freedom Mortgage requesting new documents each time ; Ive been on hold for over an hour given a generic statement that the papers are being prepared. Additionally, each time Ive been given the run-around, those papers are under review and being prepared to be sent out. Freedom would further state, there is an issue with the escrow, and countless other excuses. It has been XXXX months since requesting documents, and the problem hasnt been resolved. My wife and I feel emotional distress from this as we have witnessed people driving past our house taking photos, and our neighbors have reported this to us and provided Plate numbers. Upon researching it, I have discovered this is a tactic from mortgage lenders.

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 2022-02-11 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
In XXXX, 2022, a company called Phoenix Financial Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana XXXX, Phone number ( XXXX ) XXXX for reasons unknown, filed a derogatory credit on me, with the XXXX XXXX XXXX XXXX that I owe them {$380.00}, thereby lowering my credit score by XXXX points. 

Unfortunately, I don't know this company ; I have never heard of this company and I have never received any correspondence whatsoever, from this company. According to this company, the original creditor was a company called " APP Sugarland. '' Unfortunately, there is no company in XXXX, Texas Called " APP Sugarland. '' I believe, Phoenix Financial XXXX, located in XXXX, XXXX is a fraudulent company attempting to collect funds from innocent victims without their knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

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 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 2022-02-11 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: DE

Complaint narrative:
XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & XXXX RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!

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 2022-02-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS XXXX  YEAR STATUE ALONG WITH INACCURACIES!!

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2021 I paid Bank Of America credit card {$950.00} instead of my home loan. I contacted them with in days after realizing my mistake. They told me they could not find my information and I must have been purged from the system for inactivity. I had no idea they closed my account. 
Multiple phone calls later we received info and my bank faxed over everything to XXXX XXXX as instructed. My bank said it had all the info needed to find and send the money back. This never happened. Me nor my bank ever received a reply either. I even called and emailed multiple times. 
I included a copy of my old physical cards as well as the my bills pay payment records that proves payment was made. 
This has been going on for months. 
To this day Bank of America has returned {$0.00} They can not keep my money when there is no account to credit. 
They closed the prior complaint stating they would send the results to me. THEY DID NOT and will not return phone calls.

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