vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Georgia Regional Collection Agency, Inc.
State: GA

Complaint narrative:
I received a solicitation in regards to a suit filed against me and they could help me. I contacted the original debtor and said turned over to collection agency to contact them ( never received any bill. Thought insurance paid ). I contacted the collection agency, spoke with XXXX, she mailed me a bill statement. Said it had been turned over to magistrate court, I have not been served. I paid {$100.00} on their online pay portal on friday, XX/XX/2020. XXXX called me confirming my payment n stated I need to come in the office to go ahead and sign a consent judgment. I told her I work out of town and was unable to do so. I decided today to pay the debt in full ( including the court cost even though I STILL HAVE NOT BEEN SERVED ). I paid, got a confirmation number via their pay portal. I receive another call ( on my job ) stating I have to come into office to sign a consent. They start allowing ppl in the office on Thursday of this week. I proceed to tell her I paid in full to keep from doing that because of my working an hour out of town and she kept on and on and finally told me she would not accept my paid in full payment without the signing of the consent. What would I be consenting to pay if I paid in full? That makes no sense to me. I have where I paid in full on the portal with the confirmation number. If she couldnt accept payment in full today without my signing the consent, why did she accept the {$100.00} payment I paid on Friday?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX Calculator from a website that looked very legit but from whom I have never ordered before. XXXX When I checked online with Paypal to make sure payment went through I was surprised to find the seller 's email address looked very suspicious yet there was a XXXX tracking number that said my package was on its way. Needless to say, I never got it. I filed a dispute with Paypal and just learned that it was in favor of the seller! Today, I followed up with XXXX thinking it might have been a delivery issue and I found out that the package ( associated with the tracking number on PayPal ) was from XXXX, was delivered to a different customer at a different address, and weighed 33.5 lbs! ... a calculator does not weigh that much. The tracking number PayPal had was from a package that had NOTHING to do with me! Now I'm left wondering how does PayPal resolve their disputes. I called them and there is no customer service because of the pandemic, however, I did read on their site that they don't reopen closed disputes. Do they not follow up with the seller and delivery provider?! HAD they actually done their job they would have learned the same things I did. I have have been with PayPal for years, now I'm, wondering, why bother? Can you help? Here is the necessary information on that case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MIDLAND FUNDING ( XXXX XXXX XXXX  XXXX  ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: CA

Complaint narrative:
This vehicle was stolen on XX/XX/2019. I made a police report around XXXX XXXX I called my insurance company at XXXX XXXX  and then again at XXXX XXXX  and filed a claim. I received a packet of papers from my insurance company which I filled out and mailed them back in their addressed envelope on XX/XX/2019. I have copies of all supporting documents. I had full coverage insurance and gap insurance to cover my entire loan. This was not a repossession.

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 2020-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2020-05-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account. 
There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. The creditor did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ

Complaint narrative:
Please carefully review and read the response issued by Jersey Mortgage Company. Pay close attention to the sales contract  created by a realtor who claims to be a " 24k Customer Service '' realtor representing XXXX XXXX XXXX. I am very upset by XXXX XXXX XXXX 's " 24k Customer Service '' she did not apply her " 24k Customer Service '' motto she claims to bring to the table. The seller even managed to spell his name correctly on a legal binding mortgage contract regulated by the Federal Government nonetheless. XXXX XXXX XXXX realtor did not treat me with her " 24k Customer Service ''. I am not a licensed real estate professional and I can detect a slew of errors on all licensed real estate professionals involved in this Federal Funded Mortgage transaction in the amount of approximately $ XXXX of the government 's federally funded mortgages. I am guessing these real estate professionals were unaware of the countries mortgage collapse. This mortgage is an exact replica of what caused the nation 's mortgage crisis. Please have an experienced mortgage auditor review this mortgage. We can use these as a learning example for a refresher course for all licensed real estate professionals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon using XXXX, I was able to access my credit report successfully from XXXX  and XXXX, however was unable to do so with Experian because I have lived at 3 addresses in the last 2 years ( the request form only lets you put one former address within the past two years ). Additionally,  because my extended fraud alert ( which lasts a total of 7 years ) was not placed at my current or former address, Experian 's software is not good enough to confirm my identity ( unlike that of XXXX  or XXXX   ). Additionally, it took me more than 7 minutes on the phone with a robocalling system with Experian because their system had significant difficulty recognizing my voice, particularly my apartment number. Additionally, due to COVID-19 and not having a printer, there is nowhere I can physically go to complete paper request forms and my building does not have a box for outgoing mail. Because of these flaws, I am stuck waiting 15 days to receive a report I am entitled to every week. This delay is unacceptable in comparison to your competitors and the service you claim to provide.

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 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: VA

Complaint narrative:
I received a letter from President Trump today about my direct deposit of {$1200.00} stimulas check, I never received was directly deposited into my account. When I contacted XXXX XXXX XXXX, they claimed the money was deposited into a Netspend account with an account number I do not have?. I still have my paycheck going to my debit card. Netspend never contacted me about my {$1200.00} STIMULAS check, yet they deposit my paycheck into my account every 2 weeks. I've tried contacting them but the answering service states if you are calling about a stimulas check, please DO NOT CALL. You stay on hold so long, nobody ever answers. I sent messages through their email portal. I filed a complaint with IRS and the FTC. I've been with them close to 10 years. Whenever I close a lost card they always have transferred my money. But last year, I had a problem with them making me pay a fee to transfer my money when they issued me a new card. I paid the fee several times before I eventually got all of my funds off of the card. My check went to some unknown account, I do not have. Then they sent me an email and upgraded my account without my asking, which will close the current account. When I got the card, I chose not to close this account. I questioned the reason why they are sending me this brand new card. I chose not to activate the new card. I want my money back into my account. You see, I know that once you activate that card they will hold back money until they get your ID and SSN info again. With the COVID 19 situation, that may never happen anytime soon. So I didn't activate the card.  That's fraudulent and they do it throughout the year. I don't need a new card, I need my money. 

Here 's what I see when I open my account online : Your upgrade is waiting for you! 
XXXX, if you haven't already received your new Netspend All-Access Account By XXXX materials, it will be arriving soon. When you receive it, open your new All-Access Account and activate  your new debit card. 
Account opening is subject to ID verification and account status ; your account must have a positive balance.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are  collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/XXXX I recieved a report of my Credit. There it showed that my Barclay card had been closed. 

Today XX/XX/XXXX I spoke with a woman by the name of XXXX on customer service hotline. She stated that there was nothing that could be done for the card to be open. She reported that it had been closed in part by reporting of XXXX  and XXXX  suggesting that it be closed due to delinquent accounts. 

The accounts that were being referred to were unknownt to me and I do believe they were unpaid in error. I currently have a dispute to resolve on the accounts. 

I have no late payments to Barclays. I have paid very high APR and carried a high balance, and was just about to pay down the account when I realized that the account had closed on me. Customer service stated that there was a letter sent and there was nothing that could be done. 

As stated before, I have been in good standing with Barclay. I am now in hard and trying times as I am a sole creditor and rely soley on my credit to be able to even rent a place. I find it very unjust that my account be closed based on Transition, and another credit issue whih I am trying to resolve. I would like to continue business with Barclay and make things right.

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 2020-05-05 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:
Medical Collection was placed on my credit file without consent when I had insurance at the time of billing.

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 2020-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello my issue is with Transunion with whom I created a free account to view my online report and or file a dispute. I was able to create the account and tried two times to dispute information on the report which I believe is wrong.

Transunion gave me a confirmation number but the investigation did not go out. This happened 2 times and then wouldn't let me into the system without calling them.

I have called on 3 occasions. Each time, the wait times are horrific and the customer service is worse still. 
The calls get routed overseas and I end up either speaking to someone in the XXXX or in XXXX. Fine. I have asked multiple times for assistance in the US and for technical support to unlock the site which is free, I get offers to upsell me to a paid site or to pay for credit monitoring in order to view the report or file disputes. I am told that the people answering the phone are 3rd party and thus have no direct access to the information on Transunion but that they can handle a dispute over the phone. How can it be that a 3rd party with no access can file a dispute? I do not wish to do that. I wish to do it myself in private. 

When I tell the agent ( the man I spoke with gave the name of XXXX XXXX ), that I have used it before they tell me that I have not. When I say I called before and have even gotten hung up on, he tells me I have not called anyone. I can not believe a company holding the data on American citizens can outsource this work to other countries and even still that can't assist us without trying to upsell a product to us. 

I need help with getting access to my reports online as it is supposed to do and to allow me to dispute information in private, like I wish to do. This company has been giving me the run around by phone for over 40 days and I still have no idea what is going on or why.

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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I purchased a dog online. I was Issued a bill of sale for the dog. The price included the cost of shipping ( as stated in the bill of sale ). Now I am being asked for an additional {$600.00} for shipping. When asked for a refund, the seller disconnected the number and the email address is now showing invalid. 


An attempt was made to cancel the transaction from my bank but I was told it was too late and theres nothing that can be done. That no information on the receiving bank is available and they will not fight and dispute the charges.

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 2020-05-05 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: USCB, Inc.
State: CA

Complaint narrative:
XXXX XXXX was placed on my credit file without consent when I had insurance at the time of billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
I had a backgound check done for a job, my background was flagged by Sterling Background Checks. This stopped the hiring process for the position I was being considerd for. The only negative information contained in my background check dates back to XX/XX/2009. Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. I have contacted Sterling Consumer Reporting Agency twice about this violation of the FCRA and they have been uncooperative to resolve this issue in a timely manner. under Sterlings guidelines I have only 5 days to dispute this issue, which the days are up. They  flagged my report on XX/XX/XXXX, I followed up with a call the same day and they have only just now contacted me back on XX/XX/XXXX with my actual released file showing the contents of my background check. In conclusion I would like the outdated negative information removed from my background check.

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 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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