vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially Experian, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has changed.

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 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.

Complaint narrative:
I'm a retiree living in XXXX with a bank account in XXXX, Texas. The only means I have of drawing money is through local ATM machines. 

My debit card expired at the end of XXXX, XXXX I had not received my new card by mid XXXX and phoned the customer service number for international ( XXXX ) clients. They told me my card was on the way. Great. 
The exploration date expired and still no card. I phoned again. This time I was told the card was sent out in mid-XXXX. I told them that the card was not received. They said they would send me another one, and report the first card as lost. 
So, on XX/XX/XXXX, mind you, 13 days without any access to my money, a card arrived. I tried to activate it, but the automated service told me the numbers on the card were invalid. I phoned customer service and they told me the card was the first card they sent ( although they said previously that card had been sent mid XXXX, *two months* earlier ) and that they could not activate it since it was declared lost. So, they told me they would send me another card and to expect it within 7 to 10 working days. Remember, that would mean over 20 days that I have not yet been able to access my money to live on. 
I phoned again on XX/XX/XXXX and this time talked to a specialist. He said he understood my plight and would expedite my card, and I should receive it with 3 to 5 days. 3 days later a card came, but it was the " lost '' second card, and I was told I could not activate it. So, where was the 3rd card, the one I was supposed to get in 3 to 5 days? I haven't received it yet. I phoned again and was told the card was XXXX and was to be received by XX/XX/XXXX. ( What happened to the 3 or 4 days I was told I would get it? ). It looks like I have been consistently lied to, told the card was on its way, when it wasn't, that it was sent in XXXX when it wasn't, that I would receive it in 3 to 5 days, and then 2 weeks later I have yet to receive it. Somewhere along the way they claimed their card vender was behind schedule, but I don't know if I believe that now. And I doubt I will get the new card by XXXX XXXX, like they say. 
So -- to rehash, my card expired at the end of XXXX. XXXX is in 2 more days and I still haven't received a valid card. I am an old guy depending solely on my debit card to finance my life. I HAVE NO OTHER ACCESS TO MY MONEY. My wife and I are living on modest funds she set aside for her XXXX year old mother 's funeral, when the time comes. I should point out that the bank, Compass Bank BBVA is transitioning to PNC bank in Texas. I should also point out that their customer service is terrible. Not only have they lied to me, they are at times hard to understand, at least twice they accidently disconnected my phone conversation. And, did I mention, they lie. As I told them on more than one occasion, " THIS IS OUTRAGEOUS. '' Someone's life is at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Due to Covid-19 travel restrictions I did not pay a credit, and the debt was sent to collection. A soon as I was able to come back to XXXX I sent a check from my personal checking account fo {$340.00}, 100 % of all the debt that actually was less that {$150.00}. The check was cashed by the debt collector, Midland Credit Management, on XX/XX/2021. However, they keep calling, sending me letters of collection and adding interest and late fees to the debt. 
I have tried many times and different ways to make them correct their mistake. I called them, I sent 3 letters to them including a copy of the cashed check, but they keep calling and they sent me a letter that their records are correct and that I still owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: SC

Complaint narrative:
Skrill has one account banned my account for no reason at all. I received a deposit of XXXX dollars today and when I went to withdraw it, I received a notificiation that my account had been temp restricted and that I would need to upload a selfie with my ID. This is completely unacceptable and I truly see why multiple users complain about the company and their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2021 I made discover card payment from my bank account that was ok. On XX/XX/2021 discover took from me {$1600.00} from my bank account without my authorization. I only get {$790.00} a month from ssi. Their bank knows I only get a small amount and I make small payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter in regarding 2 inquiries and I receive 2 letters back stated the inquiry was deleted from my credit file and it wasn't. 

I have sent in several letters, I have called Equifax informed them that the inquiry still reports on my credit when it wasn't verified along with the letter stating the inquires has been removed ITEMS XXXX XX/XX/XXXX XXXX XX/XX/XXXX copy of letter received from equifax enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I filed a complaint against this debt collector for attempting to collect a debt that is not mine. The debt collector requested that I fill out an FTC identity theft affidavit. Attached is the affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by 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 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: WA

Complaint narrative:
The account is under HP Sears who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with XXXX  only for them to just update that it was verified but not providing me any other information. I reached out directly on XX/XX/30 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me ) that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to HP Sears and before I could say anything he immediately ended the call. I was transferred to HP Sears where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what HP Sears is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
There is an issue with the automated phone payment system for Frontier Airlines Business Credit card on XX/XX/2021. The system changed this month where it would not let the owner, employee or administrator make a payment. Given the option to talk to a representative I waited on hold for an hour and when I got the representative she could not find my account. She put me on hold for another 20 minutes to talk to a security advisor and then got dropped. After the fact, I noticed that the last four digits are different on the monthly mailed statement and the actual credit card. The Frontier pay-by-phone number is XXXX. Problem was not resolved and my payment is now late. 
Note : I use the automated phone system for all my payments and never had this issue in the past.

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 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I've made my payments on-time since i started this new car loan. 

My payment should be {$460.00} per month. I paid {$500.00} per month since my loan payments started and got a bill in the mail. The payments i made were applied to the payment plus prepaid part of the next payment. 

I believed GM financial operated like XXXX XXXX ( XXXX XXXX ). Where if you make a payment plus additional the extra will go to principal to provide me with the reward of seeing my loan paid down sooner. As a XXXX XXXX i understand the need for paying bills on-time and paying extra to gain equity. 

I called GM financial today and was told they can not accept monthly payments plus an additional principal payment at once. 

I am required to make the payment first in a separate transaction and then make a XXXX payment in its own transaction. Of course with the monthly payment being made first. That's what i thought was happening. 

I feel this is borderline financial fraud/harm. Thus creating a unofficial prepayment penalty and i'm very disappointed that GM would not reverse how they applied my payments. Asking for the payments I have made to be applied to the monthly payment due first with rest being applied to principal. 

The phone rep confirmed their website or app is NOT equipped to give the XXXX  any control how their payments are applied and i need to remember to call in essentially one day after maknig the monthly payment if i want to make an additional principal payment. 

That's very dissatisfying to hear. I'm truly disappointed. This was my FIRST time doing business with GM financial. I had prior Auto loans with XXXX & XXXX XXXX in the last 15 years and NEVER experienced this when i made additional principal payment 's

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
TransUnion You are reporting a tradeline that is not mine. XXXX XXXX account number XXXX My Legal Name is XXXX XXXX XXXX not what XXXX XXXX  IS REPORTING. My request is for compliant XXXX XXXX reporting. 

This must be deleted 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 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This company is called Portfolio recovery a debt collection service. First let me say I have stellar credit and am not in collection. These folks call again and again at least once a day for months now. The number is always different as is that state in which it originates. I don't answer and never will but they wake me in the morning and call during dinner. 

How can you track these scum, they obviously think Im someone else. I won't speak to them because Ive learned they ignore rules, law and personal privacy. The number they call is XXXX Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2021, my Barclaycard Rewards Mastercard was stolen by thieves. The thieves drove off with it and immediately went to a nearby commercial center and began using it, including stopping at a gas station and filling up. I received a fraud alert from Barclays which is when I realized my card had been stolen. I immediately had Barclays deactivate the card and send me a new one. I contacted their customer service department several times, listing out what had happened, and every single fraudulent transaction that occurred that day. In fact, after my real transaction that day at a XXXX, every single transaction that occurred afterward was fraud/theft. Those were the last transactions on said card. 

For some reason however, their fraud department keeps insisting that the transactions are valid when in reality they are absolutely not. I have tried and tried to explain this simple situation to them, and have called them dozens of times with this same issue. Each time I am redirected to the " fraud '' team where I am subsequently sent onto a two hour hold ( 2 hours at least, I usually hang up after wasting 2 hours for them to answer the phone ). So far I have not heard anything back from them. 

Worst part of this all is that this card is fully paid off, and now they've added the stolen transactions onto my account and are trying to tell me to pay them off, including interest, WHEN THEY ARE ALL FRAUDULENT TRANSACTIONS. What makes this even more infuriating is that they've already found a couple of these transactions on XX/XX/XXXX to be fraudulent, yet have found others to be valid, seemingly at random, despite that some of the transactions occurred after the ones they've admitted were fraud, chronologically. So not only are they insisting that I'm lying or delusional, their own audit logs or judgment seems I already got robbed in real life, now Barclays is trying to rob me again. This is coming from a customer who had the card for over 10 years, back when it was first called the XXXX rewards card. This is how they treat their customers who have been loyal and responsible but are unlucky enough to be victims of crime.

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 monetary relief
Consumer complaint received 2021-08-30 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: IL

Complaint narrative:
This letter shall serve as formal complaint against Equifax. 

As indicated that Equifax has been failed. to respond to my 3 previous disputing letters regarding accounts opened by fraud. 
Equifax is only one Bureau that has been reported these 2 negative account on my report. The obviously violated the LAW. 
Federal law requires you to respond within 30 days, yet Equifax has failed to respond. the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with Equifax on this matter ; for the purpose of filing a complaint with the FTC. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/2021, the corporation of which I am a board member was denied a bank account at XXXX XXXX  because of some company called Chexsystems. 

I an not nor have I ever been a customer of check systems. 

Chexsystems has sent me their report, attached, which has only my name, my address, my date of birth and the date at which my soc. sec. number became available. 

I should NOT be denied a checking account or savings account based on this information. 

However, XXXX XXXX  tells me that because I have a record with Chex Systems " at all '', that is a reason to deny me. 

That is not fair.

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