vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have reached out to Resurgent about several accounts the claim on their website. I received an initial response requesting more information. I immediately responded and have sent several follow ups. One of theres items is being reported to credit reporting companies by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
A charge was made on XX/XX/2020 by XXXX XXXX XXXX XXXX for {$1900.00}. The job was never completed. The contract not satisfied. Several attempts have been made and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one froze my account say there is a fraud investigation against me.i contacted the sba and they said that my account is in good standings that they don't have any idea why capital one would be doing this. I've called serval times to be directed to a voice mail service. They have every XXXX I have froze up and will not release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ally auto finance gave me a 14.2 % loan inhumane rate then covid came and law allowed for 3 month extension. after making 7 payments of XXXX $ they took it all as interest almost 7,000 and XXXX to principal. this should be illegal. it is inhumane, cruel, and not possible to manage specially in hard times

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 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Scammers scammed money via provided the job opportunity and house purchasing for relocation. 

XX/XX/2020. I deposit a {$10000.00} check into the scammers ' bank account. 

Account name : XXXX XXXX Account Number : XXXX XXXX XXXX Routing Number : XXXX Swift Code : XXXX Address : Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, CA 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 2020-11-23 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: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
In XXXX of 2015, I opened an account with Comenity Bank at the age of XXXX years old. I had just turned XXXX, and was fresh, young and naive. I never really knew when my bill was due, as I thought I was set up with auto-pay when I signed up for the card. I ended up getting behind on my payments, and the because of interest I ended up owing way more on the account than what was even credited to me and it ended up going to collections. I am now XXXX years old, I have paid off all my debt with those collections in full, but they are all still reporting as derogatory marks on my credit report which is causing a lot of personal, business and financial issues in my life.I have a child now, and I am not able to get a second car for our growing family, a mortgage, or any of life 's necessities because of this issue. These accounts have been paid in full for over 6+ months, I reached out to the companies and the creditors are refusing to take these derogatory marks off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
This letter serves as a dispute letter. However, I have sent Radius Global Solutions numerous dispute letters that their agency fails to respond back to or acknowledge. In addition, their agency received my most recent Certified dispute letter, USPS tracking # XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX. Furthermore, I reached out to their agency back in XX/XX/2020 regarding them company illegally pulling my credit and creating numerous credit pull inquiries. Radius Global Solutions failed to respond back or remove the illegal, unauthorized inquiries that they negligently conducted back in XX/XX/2020 without ever notifying me. Instead, you ignored every single certified mail you signed and received. 

Their illegal, deceptive, and unethical business practices should not be tolerated. I have re-contacted the Federal Trade Commission and I have advised them to put a stop of Radius global Solutions bold ignorance and false credit reporting. I also am making the FTC aware that their company has also failed to respond to any of my disputes even after they were notified by me for illegally accessing my credit report ( s ) back in XX/XX/2020. 

They have no legal authority or right to access, continue to access, pull, continue to pull, or list your companys name and account number ( s ) on my consumer credit reports. Radius Global Solutions is such a liar in updating your account that you have failed to notify me of from the beginning. Instead, one of your illegal efforts conducted from you in XX/XX/2020, was to continue to illegally access and pull my credit. 

By law of the FTC and FDCPA, they exercised a consistent failure in responding back to all of my disputes regarding their illegal credit pulls in XX/XX/2020, along with their deliberate failure in responding to my recent dispute letter received on XX/XX/2020 within 5 days of receipt. This means that by law that Radius Global Solutions can no longer continue to add, or list their company name or account number on my consumer credit reports. I am done tolerating your unethical business practices.

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 2020-11-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX, purchases made showed as pending transaction. The vendors received full payment and Comenity Bank refuses to remove the pending status even though they also show posted. I have tried on numerous occasions to address this situation with Comenity customer service. Their response is they see the pending and posted charges but they can not remove the pending status. The pending status will remain until XX/XX/XXXX and some until XX/XX/XXXX. They have no answer for the incorrect posting and refuse to allow me to contact any person or entity beyond customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Company Hunter Warfield harrasing with phone calls and letters about debt that does not belong to me for total of {$940.00} reporting and affecting credit report and preventing me from obtaining credit

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 2020-11-23 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: CA

Complaint narrative:
I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.

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 2020-11-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a certified letter with return receipt to Transunion on XX/XX/2020 about an account in collections that I did not recognize and asked them to remove it from my credit report because it is unknown to me. I have never done business with this company ; I never signed a contract with this company. As of XX/XX/2020, I have not received a response from Transunion regarding my letter. Transunion had 30 business days plus an additional 15 business days because of the pandemic to investigate this and it has been well over this time. Additionally, this unknown accounts status was never updated as in dispute. According to FCRA section 623 ( a ) ( 4 ) [ 1681s-2 ] If a consumer reporting agency is notified that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Transunion has had more than enough time to investigate and not only have they not deleted this account from my credit report, but they have also failed to respond in the required time allotted.

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 2020-11-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The reward terms on my AT & T Access More Card from Citi says " Three ThankYou points earned for every {$1.00} you spend on purchases made online at eligible retail and travel websites. '' However, I have found quite a few qualifying online retail & travel transactions in my last two statements are only earning 1 points. Here are a list of them : Transaction date : XX/XX/2020 Merchant : bestbuy.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online travel purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : staples.com Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

Transaction date : XX/XX/2020 Merchant : XXXX Amount : XXXX My comment : this is clearly an online retail purchase that should earn 3x points. 

All above transactions should earn 3x points according to Citi 's reward terms. However, I only earned 1x points on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: AR

Complaint narrative:
On XXXX XXXX I received a letter from ACI ( American Coradius International ) stating that they are contacting me about an account with XXXX that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting XXXX as well as this company, to no avail. I do not have a XXXX account and I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
filed A FTC CLAIM AGAINST AMEX AND THEY WONT QUIT CALLING ME ALL TIMES OF THE HOURS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XXXX XXXX I received a letter from XXXX ( XXXX XXXX XXXX ) stating that they are contacting me about an account with PayPal that has been placed with their office for collection. My name is not spelled correctly on the document and my SSN is also incorrect. Ive tried contacting PayPal as well as this company, to no avail. I do not have a PayPal account and I do not owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
On or around XX/XX/2020, I purchase a device via QuadPay at XXXX XXXX. The purchase required an initial deposit of {$83.00} and three additional installments of {$83.00}. 
On XX/XX/2020, I returned the item to the merchant ( XXXX XXXX ). The merchant provided an approval code ( XXXX ). 

That same day, I notified QuadPay of the return. QuadPay instructed me to wait until the merchant had refunded the account. This has not occurred ( even though it has been more than three weeks ). 

To proactively advocate for the refund, I contacted QuadPay many times and through various communication methods ( telephone and chat ) without avail. 

The total amount to refund is {$310.00} I asked politely for this amount to be refunded but no one responded to my inquiries. 

I also would like to highlight retaliation practices or blocking consumers for voicing their concerns to public entities. Please help us by securing our freedoms are respected!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.

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 2020-11-23 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: CA

Complaint narrative:
I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/2020 Account locked for identity verification Sent in ID Card and XXXX XX/XX/2020 Still locked, asked for social security card. 
faxed social security card XX/XX/2020 Still locked faxed social security card id and XXXX both sides I have verified my identity and I can not get my account unlocked I need my unemployment money to pay rent and am very worried I will be homeless because of this.

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