vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: R & B Corporation of Virginia
State: WI

Complaint narrative:
So the internet was used at a cabin to keep a camera and thermostat up and running. We had open an account with XXXX  that the information on card to debit from was wrong and they closed the internet on XXXX XXXX and we reinstated it XXXX XXXX paying the bill in full and other charges minus the XXXX early termination fee that should of been on the close out bill that I paid of XXXX  some dollars, then we started the new service and from what I have emails and been told that service should never of been opened with out a paid in full bill of what I thought I paid when we closed the old account. Fast forward 2 years on XXXX we found out there was a XXXX dollar charge from collection agency when I went to buy a house. I new nothing about. When calling the collection agency they had the wrong contact number and it took a while to find out it was a bill to me.. paid it that day and did not realize how bad this is impacting my credit since I knew nothing about it in two years and have no mailbox at the point of internet. I have paid XXXX  bill for the last 3 years with no problem. They admitted to a mistake says XXXX XXXX email from XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
This concerns the suspension of my Amex Serve account. I had my own money from the stimulus in my account, around {$3300.00}. I also had just received a deposit from the SBA for a XXXX XXXX of {$9000.00} they owed me from XXXX of XXXX. Both deposits were from government agencys. The SBA deposit wasnt even supposed to go on the Serve card account. A mistake was made by the loan officer and disbursement department of the SBA. I will include her contact information. But that money is still rightly mine. And since that deposit was not even supposed to go to that account I technically didnt violate any terms of service. I had provided a voided check and Information from my XXXX XXXX XXXX checking account for the deposit. Someone at the SBA did not update it correctly from over a year ago. I have correspondence with the SBA I can provide as proof if needed. I went though a rigorous approval process for this {$9000.00} advance and waiting more time is risking the closer of my business. I would like to add I did not even realize the money had been deposited in my Serve account until Serve themselves sent me a text with my balance on Friday XX/XX/XXXX. Afterwards I did some research and found that the {$9000.00} XXXX XXXX was actually deposited on Monday XX/XX/XXXX. I had only been checking the XXXX XXXX  XXXX account for this deposit as that is where is was supposed to be deposited. I only check the balance of my serve account weekly unless needed otherwise. 

Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
KIKOFF LENDING LLC XXXX I have made several attempts to contact this company in reference to this account via phone ( Phone Number online doesn't work ), email and other means more than 10 times to no avail. This account does not belong to me, it's a result of identity theft. There should not be a late reflected on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
Letter from Law Office Mitchell Bluhm and Associates asking for medical debt collection on a 2 year old ER hospital bill dated XX/XX/2019 that was already paid in full 2 years ago by XX/XX/2019. The amount listed was for {$330.00} with no information on what it was for. I have not called them or gone to pay on their online portal : " law-mba.com '' since it seems like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2021 I mistakenly sent someone named XXXX XXXX some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I get sometimes XXXX calls a day from a company who states they are from Amazon, advising me someone from Ohio made a {$720.00} purchase on my Amazon card. When I advise them I did not make any purchase they state I have to go to some website to cancel the transaction, or else the transaction will be approved. This is an obvious scam since every time someone calls with the same message it's a different phone number. one of the most recent was XXXX and the caller ID showed XXXX XXXX Rental. One of the calls the ID was XXXX XXXX. I have spoken to a representative and asked them to stop calling but the calls continue. 

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 explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: IL

Complaint narrative:
To whom it may concern : When applying to two apartments I received two notices saying I could not be approved due to a debt I owed an apartment complex. Upon further investigation ( and wasting hundreds of dollars applying to apartments ) I found out the Owner of the Rental Property was XXXX. I tried to reach out to XXXX and they informed me they could tell me nothing of the matter? I tried repeatedly and they finally referred me to a Company Called Hunter Warfield. They said they had sold " debt '' to them. 
I finally got ahold of Hunter Warfield. They told me I owed XXXX {$4800.00} in rent and fees and that I owed them {$800.00} in interest. I am not sure how they worded it but they said something of the nature that they themselves would be pressing charges or that XXXX would be if I did not pay them in a timely fashion. This was after I told the representative at Hunter Warfield I would prefer to communicate by email rather than phone. I paid my rent on time before leaving and even informed the manager there that due to a work-live-in situation I would be exiting the lease. I let him know this weeks before the start of the new month XXXX XX/XX/2018 ). 
There was another individual on the lease as well, XXXX XXXX. About the same time I was going to leave for my live-in-work he was given orders to move back into Housing on the Naval Base. By the looks of the balance they did not search for a renter to fill our apartment till months after we left. In addition due to the size of balance it seems that they allocated its entirety to me and not the other individual on the lease? I have since tried to email Hunter Warfield and have gotten no response. 
If you could help me resolve this issue I would be very appreciative. 
Sincerely, Renter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: LendingPoint Holdings LLC
State: MI

Complaint narrative:
I have been refinancing my mortgage and financial institution advised me not to make payment to Lending point this was going to close before next payment is due. However there was issues with my mortgage they didnt submit documents on time and I missed one payment with Lending point. I brought account current and I always make payments on time. I received message on acct stated that Lending point will remove this mark on my credit. They never corrected my credit. I just ask for one time courtesy. I am trying to refinance again and I cant complete because this mark on my credit reduced my fico score. In this difficult time dealing with covid, when everyone is struggle with making payments I am always on time and I dont understand why Lending point refused to work with me. I am asking to correct my credit and remove mark 30 days on my credit. If you need to speak with me, please email to XXXX or phone XXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
After reviewing my credit report per transunion, XXXX and XXXX. A degoratory mark was placed on my credit reports on XXXX XXXX 2016. After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have contacted the company numerous times in writing. They refuse to validate the debt. I disputed the validity of the debt. I assume it is an error as only 1 digit is different than my actual and current account in good standing. They continue to Fraudulently report the invalid debt on my credit report. I am looking into pursuing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was Credit Acceptance. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank Credit Acceptance has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices.

Credit Acceptance has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS CREDIT ACCEPTANCE LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt and i have never had a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
After thoroughly looking through the OPENING loan disclosure documents provided to me XX/XX/XXXX, the FAQs on the loan servicer 's website, and TILA, I have discovered that I am still missing the APPROVAL and FINAL disclosure documents required to be given to the consumer in accordance to 12 CFR 1026.47. These THREE documents are still not accessible. As I was not provided with my FINAL disclosure, I was not given my payment schedule, ultimately allowing the servicer to pick and choose my billing cycle and payment date, which violates 12 CFR 1026.47 ( b ) and 12 CFR 1026.47 ( c ). Since XX/XX/XXXX, my payment date and billing cycle have changed at least one time. As the due date has apparently changed, I have no way to verify what the actual due date should be and I am still not receiving the statements in a timely manner so I can make the payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/28 XXXX  charged my account for {$51.00}. I did not authorize this charge. I talked to the company in a chat and they said they were unable to help and to call another number. I called my bank and they told me they were going to charge me {$8.00} to fix the issue. Why am I being charged to correct an issue I didnt authorize? It makes no sense how they can be like we will only try and get your money back if you pay us a fee.Any other bank would have just fixed the issue. They keep nickel and dime me every second they get. The lady told me to call back during regular business hours if I want to try to get the fee reversed. They love to make people jump through hoops and then not take care of issues.Now I am going to have to open a new bank account so I dont have to worry about charges coming through that I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: Kriya Capital, LLC
State: FL

Complaint narrative:
After reviewing my credit report per XXXX, XXXX  and XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Good afternoon. This complaint is regarding a XXXX Visa from Comenity Bank. 

My statement balance for XX/XX/2021 was {$1900.00}. I paid off the whole statement balance ON TIME and was charged an interest fee of {$69.00} which is now reflected on my XX/XX/2021 statement. They have also charged me foregin transaction fees amounting to {$6.00} even if these were local USA transactions. 

I have called them twice today. The first time talking to an agent named XXXX who disconnected my call and just put me back on the phone queue without even telling me. The next person also was not able to help only telling me standard spiels. 

They have apparently been charging hidden fees like foreign transaction fees even if the merchants are local as I look back on my past statements. This is such a scrupulous company and would never use this card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
After reviewing my credit report per XXXX  XXXX XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I get paid by the first of the month every month. My employer sends all of my deposit information to my bank three to four business days before the actual payday Now, when i first opened my acct. With Moneylion i did it because they had products and services that inteigued me. However, those services ( getting paid two days early ) only happened the first two months i moved my direct deposit from XXXX ( who always honored getting paid two days early no problems ) to moneylion. The last four month have been a battle trying to get them to honor their advertisements of getting paud two days early and when i call i can never speak to a supervisor. Ive even set up appointments for supervisors to return my call to no avail. They already informed me that they received my deposit information from my employer on thursday. The first is Tuesday with Monday being a holiday. So, in all reality i shouldve been paid yesterday, today at the absolute latest. I am being told my money won't go through until Monday the holiday. My car is going to be repossessed because these people have deceptive, unethical, and fraudulent banking services they advertise. Ive had family whom have worked for online banks and they told me that they hold onto your money as ling as possible to earn intrest off of your money. I never believed it at first but these last four to five months have made me a believer. I hate banks in general but im now wishing i wouldve never switched from XXXX  to moneylion because at least they honored their advertised services.

Company response to consumer: Closed with explanation