vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 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: Receivables Performance Management, LLC
State: MO

Complaint narrative:
Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau ( Experian ) and to the Collection Agency " RECEIVABLES PERFORMANCE '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : XXXX Address : XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of RECEIVABLES PERFORMANCE account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not  reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

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 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I open an bank account & told my personal banker : 1. My identification was stolen twice. 

2. I'm an XXXX free agent ( XXXX XXXXXXXX XXXX ) & my salary is {$54000.00} for the seaon in XXXX. 

3. I'm an XXXX resident & XXXX XXXX that needs to get home, XXXX XXXX. 

Years later I've prove with more evidence, I'm XXXX still in XXXX while the Chase bank branch is now closed. I scanned my documents to prove they have no attention of approving my credit card so.I can go. Home. XX/XX/XXXX I sent more evidence of my identification theft & need to get home to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an alert on XX/XX/XXXX through XXXX  that Creditor - XXXX ( XXXX XXXX XXXX  ) has reported my account to them as " Chapter XXXX Bankruptcy ''. XXXX  immediately marked the account as " closed '' and my score dropped significantly. I filed this dispute through XXXX  stating that this account was never included in my bankruptcy as this account never existed when I filed in XXXX of XXXX. This account. I requested that they look into this, because it was not only is this inaccurate information, but they are also falsifying information on my credit report and hurting my credit ability as I am in the process of applying to rental properties and the type of work that I do requires me to keep a clean credit record as much as possible. I called the XXXX XXXX  Company on XX/XX/XXXX and they did not show that the account was in such status.They advised the the account was past due {$76.00}, and I went online and paid {$80.00}. Days later I received another alert that my Kohl 's another account ( only reported by XXXX ) was now closed and the account was marked as " Chapter XXXX bankruptcy ''. My scores then dropped significantly. This account was also never opened until after discharge date. I confirmed with Kohl 's that my account was current and in good standing. I am not sure what XXXX is up to, but they are tarnished my credibility as far as my scores and credit report. My scores dropped well over 50-60 points because of this false information. Three years later ( after making every effort to regain my credibility of having filed bankruptcy in XXXX ) XXXX  would decide to add such a derogatory and inaccurate status to my report and cause great damage. My dispute returned from XXXX XXXX XXXX via XXXX  and the changes they claim to have made did not change. Dates are still incorrect, the bankruptcy chapter XXXX is still listed on my report and the account balance is incorrect. How could this company be so dishonest? I requested that the account be removed since it is reporting closed and inaccurate status and this was also not done. While Kohl has confirmed that XXXX  is also reporting inaccurate information and that my account is indeed current and in good standing, I now have to file a dispute with Kohl 's. This is AWFUL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express Prime Business Card Ref : XXXX and was denied because " American Express cancelled my previous account ( s ), '' This is not true and should be reflected in the record and my card should be approved. I was an authorized user on an American Express account and the primary holder began having financial problems and so I cancelled my card even though I am not responsible for the charges as an authorized user. I believe American Express National Bank have violated their card agreement by saying I'm responsible for a debt that I am not legally responsible for. I should be judged on my own qualifications and American Express is denying a card for my business based on a primary card holder 's payment history. I'm shocked that Amex has done this and believe firmly that this must be remedied. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was going over my credit report and Citi Cards put an unauthorized inquiry on my report XX/XX/19. I did not authorize this, nor did I apply for a line of credit with Citi Cards. I am not sure how they retained my information, but I am 100 % I am not responsible for that inquiry.

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 2020-02-16 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: PMGI, LLC
State: CA

Complaint narrative:
XXXX XXXX COLLECTIONS NEVER HAVE HAD ANY BUSINESS WITH THIS ENTITY AND THEY KEEP RUNNING INFORMATION ON MY CREDIT PROFILE SO THAT IT WILL HAVE A LOW SCORE. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is excessive and poor business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Expres provided an offer to me for {$75.00} back after spending {$300.00} at XXXX to book a hotel. I activated the offer. On XX/XX/XXXX, I made a purchase with XXXX ( http : XXXX ) for {$300.00}. I later checked my transactions and noticed the charge showed as " XXXX XXXX '', and was concerned, but I assumed that I would still receive the {$75.00} as I had followed the exact terms and conditions in the offer. 

One month later, and I have not received any credit from American Express. I have contacted support twice. The first time, they said they would get back to me within a week, and they never did. When I contacted them a second time, they told me they did a cursory investigation on their own, saw that the charge was not to XXXX, and decided not to give me the {$75.00}. I asked them to open a case again, and I would be happy to provide my receipt showing I had directly booked with XXXX. It is a week later, and they have not taken any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: WI

Complaint narrative:
This account has been settled and paid in full. This debt was paid in full on XX/XX/2018. This account was opened and closed within 15 business days due to the service not working. I have attached a conversation with the store managers regarding this account. I have reached out to this company once they received the account that it has been paid in full and supplied all the information the company has failed to remove this debit which is causing a negative impact on my credit. I would NEVER go to XXXX for service they will rip you off and lie to you. They add additional fees into your contract and change prices every month on your bill. XXXX IS A SCAM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account and two transactions showed up today in the amount of XXXX European dollars. The money was sent to XXXX XXXX and I did NOT authorize either one of these transactions. I disputed both transactions with Paypal and they said that they could not find anything wrong with either transaction. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Funding has 3 accounts with my name. {$380.00}, {$1100.00} & {$530.00}. All had the wrong last name and incorrect address. I contacted them 3 times for proof that the bills were actually mine since the name and address were incorrect. Midland sent nothing. 2 months later, I received a summons in the mail with a final credit card statement with the CORRECT NAME AND ADDRESS ( {$1100.00} ) .. I answered the summons and again requested documentation for all 3 accounts proving I was responsible. Still nothing 2 months later. I am now receiving emails from XXXX XXXX for one of the debts ( {$380.00} ) while Midland continues to report to my credit. In a multi state settlement in XX/XX/XXXX Midland agreed to : Verify information in affidavits, have account documents before filing a lawsuit and NOT resell debt until after XX/XX/XXXX.I 'm being sued, missing work, incurring debt with legal trying to defend myself for something that may not belong to me while they are breaking the debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 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: TX

Complaint narrative:
I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.

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 2020-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.

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 2020-02-16 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: TX

Complaint narrative:
I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: AL

Complaint narrative:
Brought a NetSpend prepaid card today ( XX/XX/20 ). I couldn't get my card fully activated because I had other cards that were on file as open ( although I had only one card active -which I'm still waiting on in the mail- and the rest were closed out ). The issue is with the process to get the account fully activated. Now I've sent all the required documents but I've been rejected for no plausible reason. I refuse to send a ID with my picture showing because the responses I've gotten back leads me to believe that NetSpend is during fraudulent activities. First I had to send documents to a company named 'Skylight ' and when I got a response, the name at the end of the letter was named 'XXXX  '. The second attempt I sent it to bet XXXX ; when I got a response it was from someone named 'XXXX '. Not only was I rejected but the reasoning was invalid. I sent my ID, SSN, and Utility bill. 'XXXX  ' said that my SSN was partial, but I can disprove that by sending the email with the attachments. Also you can expand and zoom attachments. So it's apparent that XXXX is deliberately trying to make this process hard and since I've send my personal info multiple to same company. I feel this is being done to store my full identity into their archives. My face shouldnt have to be shown in this circumstance because Ive a client for over 3 years and Ive sent my info in the past 2 years ( which I can verify through email ). Further more why would I trust to send my info to people that DONT EVEN USE THEIR REAL NAME. they don't even put a last name at the end. Who works for a financial institution, send financial/business emails to clients, and goes just by their first name or nickname ( Does XXXX or XXXX seem like a name you would trust your personal info too? ) No last name to help a client pinpoint or trace that person if a situation goes bad and it's their fault. That's how people " crack cards ''. They work for a prepaid company, steal your info and drain your account. I'm XXXX to be fired because she declined my access even though she has viewed all of my personal info. Also because of the delibernise I'm asking for a 200 % matching bonus of my deposit.

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 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Recovery Service Incorporated
State: TX

Complaint narrative:
I found out that there was loan under my name from company called XXXX XXXX. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX to dispute for this amount. I have never requested personal loan from XXXX XXXX, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called American Recovery Service Inc. which amount of {$13000.00} on XXXX, XXXX, 2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
I had a friend send me XXXX to the cash app I was told there was no transfer fee well they told me I had to go to the closest store and buy a XXXX  card for XXXX XXXX and send them the card then my money would be cleared and added to my balance. I sent one XXXX card for XXXX then the second card with XXXX they told me the card was used and cusses at me. And says they can't take that for payment and for me to buy another XXXX card for XXXX $ I just bought that XXXX card. And never used it before. And they say it's used. it wasn't. it was new then they won't refund the XXXX XXXX  card. Cause they wont and I'm out XXXX as well as the XXXX they sent to cash app .. Which isn't even in my account that even says it was sent. it disappeared. And I have pictures of. The letter they emailed me stating the XXXX is there but I have to clear it before I can have it added to my cash app. Account. So I did what they asked .i was told that the app is fake made with people scaming. Other people .. I just want what sent to me the XXXX and the XXXX they took off tbe XXXX   card I sent tjem I have pictures and screen shots of everything. Thing that went on. my email is XXXX Please get to the people that are scaming because there's not suppose to be a fee to send or receive. Cash on Cash app. thank you for your time. XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lending Club Corp
State: TX

Complaint narrative:
I found out that there was loan under my name from company called Lending Club. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX  to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company 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 2020-02-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company 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