vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CURO Intermediate Holdings
State: HI

Complaint narrative:
My credit report shows a XX/XX/2022 write off of a 2 year 6 month old Speedy Cash debt of {$600.00}. I have never used Speedy Cash, do not know what Speedy Cash is. I have never received a notice of any kind from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX Credit Card with Comenity Bank. For the past week the Comenity site has been down due to 'system updates '. I have had no way of accessing my account, viewing my balace or making payments. Trying to reach out to customer support has proved fruitless. Comenity never contacted me, or anyone else from what I can tell, to let us know there would be sustem updates and they are not providing answers or solutions or a date when the site will be back up. This has been beyond frustrating and the only information I could find is that they seem to have been bought out by another company, but I was not made aware of this change. This company 's practices are deceptive and predatory. My only hope is that the site will be up again soon so that I can pay off the balance and close out the account. I do not need the kind of stress this company is offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

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 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/202XXXX XXXX  XXXX XX/XX/2022 XX/XX/20XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: AES/PHEAA
State: DC

Complaint narrative:
Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. They also haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to Fedloan at the end of XXXX XXXX ). Please help to rectify my account/PSLF tracking before my loans are transferred next month and before the limited waiver program expires. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank XXXX XXXX XXXX ) website and all customer service options have been offline for over a week and they are not providing any information at all about how they will handle customers being unable to make payments. Their phone lines are not accepting calls and they say customer service agents can not apply payments or even see account details. My payment is due tomorrow and I have been trying over a week to access my account, which is unavailable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i have tried multiple times to have incorrect information removed from my account. Instead of removing incorrect information, Equifax keeps changing the status and not removing my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
this is in regard to account XXXX. I reviewed my credit report and noticed that there was a new collection account from this company that appeared. I immediately sent them a letter for validation of this debt on XX/XX/2022. I received their response and they sent me a copy of statements which is NOT validation. I sent another letter out dated XX/XX/2022 asking for specific information to validate the debt which includes a copy of the contract bearing my signature. I received their response after that which included another copy of statements. In my letter I specifically stated " If you can't provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. '' I filed a XXXX complaint which XXXX received on XX/XX/2022 and they stated that sent me copies of the billing statement from XXXX XXXX as validation of the debt. This is NOT considered validation of the debt as anybody can print out some statements and mail them to me. Since this company is unable to properly validate this debt I am demanding deletion of this debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Ive been trying to use my Victoria Secret credit card for the last 4 days with all charges being declined. Every time I call Comenity Bank they say due to unforeseen circumstances our offices are temporarily closed. I cant access my online account, I cant view my statements, I cant pay a bill. I cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a savings account at XXXX XXXX XXXX. I linked from Ally to XXXX XXXX XXXX by way of using micro deposits. When the account was successfully linked, I then scheduled a external transfer of $ XXXX from Ally to XXXX XXXX XXXX. That first transfer went through without any issues. A day later I scheduled another transfer from Ally to XXXX XXXX XXXXk for $ XXXX. Ally blocked that transfer stating the following reason : " stopped for invalid account holder ''. 

Ally 's incompetence is costing me money by way of lost interest earnings. Ally is currently paying 1 % while XXXX XXXX XXXX is paying 1.61 % APY. Ally 's action has also resulted in my 1-day transfers being downgraded to 3-days further causing my loss of revenue due to delayed transfers. I am the valid account holder of XXXX XXXX XXXX, Ally approved the micro deposits to link the account, and also allowed the previous transfer. Why would now all of a sudden my external account be declared invalid? Ally has also suspended all transfers between my Ally accounts and XXXX XXXX XXXX without cause or reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS..

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account number ending in XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS..

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX RE : FRAUD RE : EXTORTION RE : XXXX RE : PROOF OF CLAIM RE : GRAMM LEACH BLILEY ACT RE : BILLING ERROR RESOLUTION RE : REINVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF XXXXXXXX XXXX/Federally Protected Consumer to TRANSUNION, XXXX, XXXX. I am a natural person who is at all times relevant. I am aware My nonpublic personal information should not have been disclosed without my lawful consent. Send proof of your FRAUDULENT Authority and Power of Attorney to sell, report, share, transfer, and store my personal information, my financial information, and the right to speak for me on my behalf. HOW CAN SOMEONE WHO CAN NOT SPEAK, SPEAK FOR ME? TRANSUNION AND CODEFENDANTS/CLIENTS HAVE NO VOICE AS MINORS/CORPORATIONS. 

Your company is following orders to keep your codefendants/clients happy. I have reason to believe Your company and your codefendants/clients are participating in racketeering/extortion criminal behavior. Your company is NOT being impartial to my right to privacy. Send me verifiable proof your company is using my information in a manner that is fair and equitable to me the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my Consumer report.

I have reason to believe Transunion and your codefendants/clients are using unlawful extortionate means by furnishing this transaction that should have been exempt from furnishing negative information they are not REQUIRED to furnish as a means to coerce me to pay on an extension of credit. ON WHOS AUTHORITY DO YOU HAVE TO COMMIT FRAUD ON MY NAME? MY LAWFUL CONSENT IS REQUIRED AND I NEVER GAVE YOU MY LAWFUL CONSENT. 

Transunion was previously asked to do a reasonable investigation into the above-listed accounts. Transunion was also asked to send several documents after their investigation. I AM REQUESTING YOUR ARBITRATION AGREEMENT, ACDV, CARBON COPIES, AND FROZEN SCANS, AND PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF FROM YOUR INVESTIGATIONS WHAT PROCEDURES WERE USED IN YOUR INVESTIGATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My vehicle was in a collision with a bear and was determined a total loss by XXXX XXXX XXXX. Insurance called JP Morgan Chase, got the payoff amount and the address to send the check, on XX/XX/22. on XX/XX/22 I get a letter from Chase stating I am behind on my auto loan. I verify with insurance that the check was sent and called Chase. The XXXX  representative told me that the check was received XX/XX/22 but I would need to be transferred to the loss department of Chase due to an issue. That person told me that the check was lost and he had placed a work order to have it investigated. 
When I informed my insurance of that they said the check was already cashed and they had received the check back. So I called Chase back again, and they put me on hold to call my insurance company. When they got back on the line they stated that my insurance had sent the check to the wrong address, my insurance had provided them a copy of the check, and they were opening an investigation. I should hear from them soon. 
XX/XX/22 I get a letter from Chase requesting I send them a copy of the check my Insurance sent them.

I call Chase to ask what is going on and the representative tells me that the work order that was placed in previously was mishandled and he was re-submitting the work order more detailed and would follow up to make sure it is handled properly. I vent my frustrations to him that this process is taking too long and I am wondering if I should seek legal counsel. I was told that was my choice but processes like this with a vehicle total loss can take up to 3 months and to blame my insurance company for sending it to the wrong location. I instruct this person that my insurance company retrieved the address from Chase and that a representative told me that Chase had received the check on XX/XX/XXXX, which he confirmed and all they had to do was credit it to my auto loan and this would be done with. He then admitted that the Check was received but was deposited in the wrong account, and would be fixed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
I was supposed to get my taxes and I kept asking and didnt wanted to to give me my XXXX and now they trying to say I wasnt getting my money because I was being rude. Still havent got my money! Happened on XX/XX/XXXX n its XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I posted an item on XXXX XXXX and I was contacted by a user named XXXX XXXX saying she wanted to purchase the item for the posted price of {$850.00}. 
She asked me about the item and for my address and my XXXX email information. I provided the information and she sent me a screenshot confirming the payment of {$850.00}. A few minutes after I got an email from " XXXX App '' ( XXXX ) saying my account was limited and I needed to expand my account by asking the buyer to send me additional payments. I showed it to the buyer and she said she would call XXXX to confirm. After a few minutes, she said she would send me an additional {$250.00} and I needed to send it back to her. She showed the screenshot of the payment and I sent the money to the XXXX account provided XXXX XXXX After that they said XXXX took an additional {$400.00} from their account and I got another fraudulent email saying the payment of {$400.00} was needed to continue the transaction but the buyer and the seller were protected because the funds were being confirmed with XXXX. 
I reported the scam to Chase WHILE the second payment was still pending but they said they couldn't cancel it even after I said the payment was still pending. They didn't cancel it and just filed a claim saying they could not guarantee the refund of my money and I should contact XXXX even tho I did the transaction through the Chase site. 
I filed a complaint with XXXX too but they just brushed it off saying they don't offer transaction protection and basically saying I was responsible for making the transaction. 
I want my money refunded, all {$650.00} of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Please I need help I have been paying this company around {$5000.00} and they have not lower the amount I owed they give me a monthly payment of {$390.00} of that amount {$1.00} goes to principal and the rest is interest around {$180.00} this is insane I am taking medication for XXXX  and XXXX because I never thought will go thru something like this they lift my car from my house with about previous notice because I stop paying to have my car back they told me that I have to pay {$700.00} fee for the company XXXX XXXX  plus {$1400.00} of miss payments when I complete the money they told me that they wont release the car if I dont give them {$2400.00} in total I submit the payment but when I when to the company to pick up my car they make me sign a paper statement that they only charge {$150.00} to lift my car and to keep it for 3 days I took picture of all this papers when I go see my balance the lock my account and my surprise is that from {$2400.00} that i paid only {$300.00} went to the principal Please help me I dont know what to do Im currently not what to do they never told me about this high interest I have documentacin that i can show you please i need help I owe them {$9700.00} the loan amount was {$11000.00} i feel I will never get out of this frustrating situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a Low 's credit card XXXX I purchased a refrigerator in the amount of {$1700.00} on XX/XX/2021 even though I had not received and merchandise since the refrigerator was on back order, they charged my card immediately not having been delivered the merchandise. months passed with no refrigerator, so I canceled my order and was refunded. At that time the card had nothing on it. about 2 months ago I went to make a small purchase on my card at Lowes store # XXXX XXXX XXXX Colorado and my card declined so I called the direct # on the back of my card to customer service. They told me my card was closed due to possible fraud. So, I was transferred to the fraud department, and they told me they were going to send a new card. At that time, I found out my account was closed and re-opened a new card with a Georgia address. and she asked me about the {$7700.00} charge I had made there. I have never been to Georgia in my life. At that time the fraud department assured me not to worry that they caught the charge in time, and a new card would be issued, and I should receive in approx. 1 to 2 weeks. Never received new card. I called once again today to Lowe 's to inform them I had not received my card in the mail only to find out they had transferred the {$7700.00} charge to my new card when the already knew it was a fraudulent charge. The first lady I spoke to first was asking me very strange and suspicious questions as if she was trying to get me to say something that I should not say. The whole thing was very weird. Then I was transferred to the Fraud investigator 's I talked with XXXX I explained my discomfort speaking with the previous lady. I asked for a case # she said I would receive that in the mail. I then asked how I identify my case if I have to call back? She said use your new card #, I said I do not have a new card # so what is that? so, she said just use your old, closed card #. I'm thinking to myself this makes no sense. I told her I am not paying anything on tis card, she said, the balance will still transfer to the new card, but I don't need to make any payments. At this point I am not sure what to expect. Thanks

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 monetary relief