vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I noticed 2 medical collection on my credit report from UCB ( United Collection Bureau ) I sent a letter on XX/XX/XXXX to UCB to dispute the negative accounts and the response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; Therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I sent a letter on XX/XX/XXXX in response to this letter asking UCB to provide me with proof of this dispute and all of the information they used to verify the account or to continue with my dispute if they could not provide that proof. The response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I feel as if my dispute isn't being taken serious, being ignored and discarded this is a violation of my consumer rights. I want these accounts removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
my personal information has been used for years due to a data breach and again has been used for medical services that has negatively effected my credit and life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...

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 2021-08-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...

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 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I cancelled my membership with XXXX  XXXX via letter in XX/XX/2019. When I noticed I was still being charged to my Bank of Texas checking account I went into a local branch XX/XX/2019 to advise and was informed by a banker that it would be looked into and addressed. Fast forward to the end of 2019 and while moving over to XXXX XXXX I receive a letter telling me I owe over {$600.00} in overdraft fees because they paid for my gym membership. A membership I cancelled and told would be looked into coupled with the fact that I optd out of overdraft protection to prevent this issue. A Regulation E investigation should have been launched so that I would have been protected. 

I paid the fees and obtained a paid in full letter but now I can not open a new account because they are reporting the account to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: CA

Complaint narrative:
Unauthorized Inquires and did not give consent for Equifax to report these on my credit file under law ( 15usc1681b ( a ) ( 2 ) ) I do not give consent, authorize nor benefit from the following inquires and they must be removed immediately. 

Furthermore, I did ask for verification on the alleged inquires and have not received a response back been over 45 days. 

Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX-Card Service ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) Alleged Inquiry : Equifax Mortgage Ser ( XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial
State: MI

Complaint narrative:
On XX/XX/2021 I received a call from XXXX XXXX XXXX said owe for pay loan that I did not apply for and I and the Supervisor with XXXX XXXX XXXX  call my bank to verify the account that use to receive the cash for {$800.00} was confirm that account was not in my name and that alert me to check my credit report and found there is another loan with Spot Loan that someone applied for XX/XX/2021 and cash was funded on XX/XX/2021 for {$800.00}, the same date this person applied for a with XXXX XXXX XXXX. I am filing fraud against Spot Loan and I never sign a contract with Spot Loan that day and they sent me a letter indicating the information on file matches my information. I have disputed with XXXX XXXX with an alias name I found listed on the credit report. O also was advise by Spot Loan to file fraud with FTC. I am in the process of filing another against Spot Loan and phone number that is indicated XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the Accounts from Us Dept and XXXX  XXXX  two of the account has the date of XX/XX/XXXX, another is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.

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 2021-08-29 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has a policy that allows you to only make a limited number of payments to a credit card from non-Wells Fargo accounts using their online banking system. 

This is a problematic policy for a few reasons : 1 ) Its strongly encouraging you to use additional Wells Fargo products that you may not need or want 2 ) There is a risk that you could have unnecessary interest applied to your account because you were prevented from paying off a balance 3 ) There isnt a risk to Wells Fargo for allowing more than the limited number of payments. The transaction clears the the ACH and should have any cost to Wells Fargo. 

In conclusion this is another predatory policy Wells Fargo has put in place that is harmful to its customers.

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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
COMPANY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OHXXXX  ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH

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 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Valor Intelligent Processing LLC has been performing abusive debt collection practices they contacted me by phone, and mail several times regarding a debt that I do not owe and used abusive profane language by phone and by mail. Valor Intelligent Processing LLC violated my consumer rights they violated 12+ laws under the Fair Debt Collection Practices Act and is harming my reputation by claiming that I owe a debt that I do not owe. Attached below will be the Affidavit of Truth sent to them and the invoice sent to them as-well as the letter that they sent me. I am demanding that they compensate me for their abusive practices and violations of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NM

Complaint narrative:
There is a 30 day delinquency report on my credit and when I look at my account online, the information is incorrect.

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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
COMPANY NAME : UNITED COLLECTION BUREAU , INC XXXX XXXX XXXX # XXXX XXXX, OHXXXX ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have a Cash App '' account I had noticed multiple unauthorized charges, as soon as I became aware of these charges I contacted cash app to dispute that unauthorized charges and canceled my current card and ordered a new card with new number. I also contacted the unauthorized merchant " XXXX XXXX '' in a attempt to resolve the issue with them directly with no resolve. Upon receiving my new card an account number. I received more unauthorized charges from the same merchant. I once again contacted cash app dispute the charges still with no resolve from either parties and still have not been credited or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors Well Fargo, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and XXXX ( Original Creditor : 05 XXXX XXXX XXXXXXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY

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 2021-08-29 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 — Investigation took more than 30 days
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and ALDOUS ( Original Creditor : 05 XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors XXXX XXXX, MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX ) and XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: LA

Complaint narrative:
Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. 

My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XX/XX/2021 Disputed every fraudulent transaction. 

XX/XX/2021 Denied 1 transaction. 
( I disputed 72 ) XX/XX/2021 Fixed my dispute and resent for investigation. 

XX/XX/2021 Provided my Declaration_of_Fraud.pdf file, completed with every transaction. 

XX/XX/2021 Denied 32 Transactions XX/XX/2021 Denied 1 Transaction Today They had ample time to include all the transactions listed on the Declaration_of_Fraud.pdf that I filled out. They only included 32. It has been 10 days, I feel that they should have to pay me provisional credit, per S1005.11 ( c ) for the remaining transactions that they did not deny or include.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XXXX XXXX Syncronic Bank closed my Care Credit account because of inactivity they said they sended a letter advising about it, the letter never came this is a condominium where all addresses are the same only diferent is the unit number I call the bank because my XXXX XXXX app report MINUS-19pts there were not email, no call, nothing, I explained to them how many times I have to return to sender letters from my mail box because they are not mines -my score was almost XXXX XXXX and just because they did not try another way to get in touch with me they close my account and that droop my score to XXXX19 pts, I confirmed with them my address my email address my phone number everything is in order, so why they took a destinations like this?? the end of the conversation they said it's not their problem

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