vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
My father in law ordered service from XXXX XXXX. He put the service on delay for the winter because he traveled. When he got back, he was told he was in collections. They used my name as a creditor for him and then put me into collections. He never received one thing from them. After fighting with both XXXX and Credit Collection Services, I just paid the {$120.00} to get rid of the aggravation and asked them to remove from my credit report. After paying, both companies refuse to remove from my report. I refuted this with XXXX and they took it off my report but the other 2 companies still have it on. So for {$120.00} false charge, I now have to pay over {$2500.00} in closing cost. I will be seeking a lawyer unless XXXX XXXX removes this from my report. They said it's not their policy but it's also a bad policy to bill someone errantly, never send any notice, then put a mark against their credit and then do absolutely nothing to resolve it once someone pays it. All I am asking is for an email stating they will remove this from my report so my credit goes back to 800+ where it belongs. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Filed Dispute in XX/XX/2021 for account with Midland Credit XXXX. Never heard back from them until XXXX XXXX with a debt verification letter. Multiple calls since XXXX XXXX in an attempt to settle account and have it removed from my credit report. Midland refused to settle. I have called multiple times on XXXX XXXX to settle debt and speak with a division manager in which I was given false names and transferred many times to departments in which Customer Support XXXX XXXX XXXX XXXX were unable to find my account based off both accounts numbers given to me in the debt verification letter. MCM # XXXX and the XXXX XXXX # XXXX. Furthermore, upon settling debt Midland refuses to remove collect from my report until XXXX XXXX in which they state their policy is to not remove collections before it has been in the report for two years. There are many long pauses and everyone is giving varying/faulty information. After each phone call Midland adds additional negative comments to my reports after each phone call. Also after speaking with them MANY times since XX/XX/2021, it was only today XXXX XXXX that they state possible legal action on my account. I never received a call or letter in the mail in regards to legal action. Further more they claim to have sent this legal letter in XX/XX/2021 but to my previous XXXX  address. This seems weird to me as they sent the debt verification to my correct XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Caine & Weiner had deleted this from my account and here 's the proof and they must of sold it to a cash buyer and it came back 5 months later and they added a charge doesn't suppose to have a balance on it no way so please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: OR

Complaint narrative:
To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess XXXX bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from XXXX again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office

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 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
The dispute of this debt was going to be justified by XXXX They removed it from my credit. The company than sold it to another and placed it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Recovery Services, Inc.
State: SC

Complaint narrative:
I continuously receive letters about a debt through a collection agency which is not accurate. Theyre saying I owe XXXX  on a credit card debt when my credit limit was not that high.This information is not accurate as well as this is in violation of my Hippa rights. XXXX XXXXXXXX which is the name of the company have tried to contact for over a year about inaccurate information on this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a dispute with my credit card for a service I paid for but did not receive. I hired a moving company to transport my belongings from XXXX to XXXX. Per the moving company 's contract this was to take place within 30 days. The moving company did not complete the move ; my belongings were instead taken to XXXX XXXX and I was told I would have to pay a fee to get them back. 
I started the dispute process on this charge, totaling {$1300.00}. The date of the charge was XX/XX/XXXX. I opened the dispute on XX/XX/XXXX. I provided evidence supporting the dispute on XX/XX/XXXX. My response was very thorough and included a copy of the contract given to me by the moving company which promised delivery within 30 days as well as receipts for the moving truck I had to rent to retrieve my belongings, the complaint I filed with DOT, etc. On XX/XX/XXXX I received an email from my credit card company notifying me that my claim was denied with a follow up letter in writing stating that my response for information lacked the information requested. I called the dispute department on XX/XX/XXXX to find out why I would receive such a response. I was told that the validity of my claim was not in question, simply that the merchant denied the chargeback and that my credit card company was no longer able to retrieve the disputed amount. So in contrary to what I was initially told, my response did contain the requested information. My claim was not denied because it was invalid but because my credit card company was not successful in retrieving the disputed amount from the merchant. So because they did not want to be responsible for the amount of the dispute, they rebilled me instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
From XX/XX/XXXX - XX/XX/XXXX I had trouble making payments due to struggles while schooling and and injury preventing me from work. From XX/XX/XXXX - XXXX  XXXX, I had late payments due to the coronavirus causing me to be laid off from my job and not qualifying for unemployment. I reached out to Capital One and they wouldn't take off the reports of late payments but only temporarily reduced my APR which doesn't help me in the long run. I have started my job as an XXXX XXXX but it will be very hard for me to qualify for a mortgage because of delinquent payment history being reported on my account. Also, my payments are due the second of every month. I've noticed that if I schedule my account to be paid for the second of that month, sometimes funds will post either before the exact second of that month, or directly after, causing my payment to not count and it getting marked as late or unpaid. They never notified me of this and how it is affecting my credit long-term. This is unfair and I need help getting my credit better so I can qualify for business credit very soon and grow our economy by investing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Outside ATM at XXXX, CA US Bank on XX/XX/2021. ATM malfunctioned keeping my card and the machine kept spinning around. 
Branch manager was inside, he came out and said there was nothing he could do. I had to file a dispute online, which I did XX/XX/2021. It showed still pending on XX/XX/XXXX, so I was required to wait until XX/XX/XXXX to file a dispute. 

The XXXXXXXX XXXX  in front of me had the same thing happen, yet I didn't know this. He was making an online dispute or I wouldn't have used the ATM. No note on the machine saying malfunctioning. 
XXXX branch manager for US Bank told myself and the XXXX XXXX this had happened to several others before us. I asked him why there was no note. He said there was nothing he could do about it. He lied and said the weren't their ATM machines. Customer service told me the machines are US BANKS. 
I have called twice to the branch and ATM and nothing has been done. It is NOW XX/XX/XXXX. 5 days of collecting money and interest off OUR money we didn't receive. The branch managers excuse was because of COVID 19, the machines had been overused. 
The drive through ATM at this location only allowed you to deposit money NO WITHDRAWALS.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I applied for the Citi XXXX card on XX/XX/2021 due to the XXXX opening bonus. Unfortunately, the card routinely declines charges and the bank freezes the account regularly. I have spent hours on the phone with them. I also submitted a CFPB complaint regarding this issue a month ago. At that time a Citi representative assured me the problem was fixed. This morning the card declined 3 of my attempted charges and now the account appears to be frozen again. I pay my bill as agreed. The charges are not unusual. There is no reason for the bank to behave this way towards me.

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 2021-04-13 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: NY

Complaint narrative:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my XXXX letter that I filed as well for Identity theft.

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 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX financial calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX financial. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead. 

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors. 

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Venmo told me I must give them my social security number in order to continue using their service. I refused and closed my account. I asked to be removed for all of their lists - phone, email, snail mail, etc. I keep getting emails. I have asked them now at least 6 times to stop sending me email. They have confirmed around 5 times they have deleted my email address and that I will not get any more email from them. They keep sending me email. This is highly problematic and could be a systematic problem for a supposedly high security financial institution with no or poor internal controls. Regardless, they refuse to stop contacting me after multiple requests - and multiple assurances to the contrary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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:
I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.

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 2021-04-13 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: IL

Complaint narrative:
On XX/XX/2021, my husband and I stayed at the XXXX XXXX and XXXX in XXXX XXXX, XXXX for three nights. At check-out on XX/XX/XXXX, we paid cash XXXX XXXX XXXX for our stay. The desk clerk had already charged my credit card without previously informing us. When we realized the error ( at check-out ), we asked for a credit to my credit card which the hotel gave us along with a paper credit receipt with authorization code, etc. The credit did not appear on my credit card and I inquired with my credit card company as to when this credit would appear. They indicated that they had no record of a credit from the XXXX XXXX. I waited the required two weeks, I contacted the vendor ( XXXX XXXX in XXXX XXXX for additional documentation, and I filed an online dispute with my credit card company by uploading my credit documents. Over the past few weeks, I have spoken with several customer service reps at the credit card company -- they assured me that the matter was being handled. On XX/XX/XXXX, I received a letter from my credit card company stating I would not receive a credit because I had not provided any documents, and the case was closed. In my phone conversation with a service rep on XX/XX/XXXX, she stated that this was their error, bu there was nothing she could do.

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I got my Transunion credit report XX/XX/2020, no problem. Every time after that, I have to call Transunion to verify my identity, many times the XXXX is XXXX, demanding exactly what I want and why I am calling? They make if very very hard to get my Transunion credit report? Many times they do not answer the phone, just pick up the call and put me on hold and I have to call back?

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Myself and the creditor have tried numerous times since XX/XX/XXXX to correct an error on my report. The creditor submitted XX/XX/XXXX to Transunion via their system " e-oscar '' for the account in question to be " deleted '', which is what the banks Transunion rep advised ; it's now XX/XX/XXXX. The creditor has tried several times in the past as well, and I have disputed it through my Transunion account, which I pay {$24.00} per month to use/monitor. Today Transunion says they have no record of any requests to correct my file ; it's been almost a year! Additionally, while logged into my Transunion account, the site I pay for, virus threats pop up on every page. I tried to talk with someone who handles their website and she disconnected me!

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX my Trans Union score went down 14 points the only thing that changed is it cording to them was a new account for {$500.00} it only increased my credit usage to 33 % up 1 % and that is still good the other three credit companies XXXX experience and XXXX have my credit score 45 points higher I have contacted them numerous times they are no help whatsoever it is ridiculous going down 14 points in one day but it still be 45

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 2021-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I'm being sued for {$25000.00} by XXXX XXXX XXXX for loans from XXXX and XXXX. 

They do not have evidence that had such a loan included in their trust before bringing on the suit. They said I made a payment in XXXX but have no records of it. 

The lawsuit came out of nowhere. I am currently a student and unemployed.

Company response to consumer: Closed with explanation