vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank ReliaCard : Dear Sr. or Madam : My name is XXXX XXXX XXXX. 

I Do not agree with the resolution to my case ( Dispute Claim # XXXX ). I did not transfer the money to this individual XXXX XXXX. This person change all my personal information, in the banks website. I could not used my user ID or password to get into the banks site. After I had a new password and user ID, I looked on my personal information. My personal information was different. It had a new e-mail ( XXXX ) it had a new cell number from XXXX # ( XXXX ) XXXX. The bank needs to investigate further to resolved this issue. I have waited for more than a year and I want my XXXX dollars back. I have already send all the information that it was required of me liked my current ID, W2 form, SS #, and police report. I do not know what else do I need to do to resolved this fraud.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Self Financial , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
My starting debt in 2012 was {$6000.00} but every year lawyers fee and courts fee increased my debt close to {$20000.00} now. Garnishment almost for the last 9 years. Nonstop harassments calls and letters to my workplace. Police went to my home and try to arrest me. No relief in sight and I called for settlement but they offer 80 % of {$20000.00}... Just wondering about certain rights that I have 1. In Virginia, Four-year statute of limitations on auto loan debts. 2. Modern Day Debt Slavery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my XXXX or equifax reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: PA

Complaint narrative:
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

I would like a wet signature or some other type of verification information to state that these are my accounts.

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 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Reference From Paypal : ID : XXXXAccount permanently limited XXXX XXXX received a letter from Paypal stating that I can no longer use my paypal account for no reason and paypal is holding my money USD XXXX up to 180 days or 6 months. I would like a fair resolution of this issue. I'm only using paypal for sending and receiving funds from my relatives abroad and salaries for my online jobs and I can see no excessive risk associated with my activities. 

Paypal must restore my access and must not hold my money as I need it asap. 
Please reinstate my paypal account. My email address is : XXXX. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX I was approved for an XXXX XXXX co-branded credit card from Barclays. I pay an annual fee of {$490.00}. To this day, I have still not received most of the promised benefits that includes : - Gold status with XXXX- An email that allows me to receive up to {$500.00} off of up to 4 tickets - XXXX Bonus Miles ( after spending $ XXXX, which I did in first month ) The miles DO show up in my credit card account and the membership is showing as linked on the credit card website, but none of the benefits are showing on XXXX. I have contacted the Barclay team through their messaging site 4 times ( on XX/XX/XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX ) and have called and spent many hours trying to have this resolved and they continue to promise this will be resolved, but it is not. 

Often I am pointed to speak to XXXX, which I do, and they direct me back to the bank.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/2021, I reached out to Portfolio Recovery regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Portfolio Recovery on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received state something regard an electronic record, which I did not ask for nor did I receive to verify the debt, I asked for validation! I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
sent a hippa validation letter never got a respond back. Sent letter back in XX/XX/2021

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMERCE BANK
State: IL

Complaint narrative:
On XX/XX/2021, I opened an account with Commerce Bank and while signing up I used promo code XXXX to receive a {$500.00} sign up bonus, but I never received the promotional bonus. 

The terms indicated : Here 's how to get your {$500.00} bonus! 
XXXX. New customers only : Click Apply Online button to open a Commerce Relationship Checking account with {$100.00} by XX/XX/2021. 
2. Make 10 debit card purchases within 60 days.

3. Have at least {$2500.00} in your account at the end of daily processing 60 days after account opening 4. Watch for your bonus coming to you! 

On XX/XX/2021, I sent a secure message requesting the status of my bonus. On XX/XX/2021, I called Commerce Bank and I was told I would be paid the bonus on XX/XX/2021. On XX/XX/2021, I called Commerce Bank and I was told that the promotion was for Kansas residents only. I indicated that I had the flyer that did not indicate the promotion was for Kansas residents only. The representatives indicated she would send the information to the research team and get back to me. On XX/XX/2021, I received a call from Commerce Bank indicating they researched the issue and will not be paying the bonus because the promotion was only for Kansas residents. I asked the representative If I could email here the flyer that I received, and she told me there was no way she could receive emails. I asked the representative that I would like to file a complaint. The representative took down my complaint and indicated I would receive a call back. 

On XX/XX/2021, I received an email from XXXX XXXX indicating that the promotion was for residents of XXXX Kansas and Commerce Bank would not honor the bonus. On XX/XX/2021, I sent XXXX XXXX a copy of the promotion that I received that did not indicate anything about a residency requirement. On XX/XX/2021, I sent a follow up email to XXXX XXXX XXXX to ask if she read my response and if Commerce Bank would be honoring the bonus after reviewing the documents, I emailed her. I have yet to hear back from XXXX XXXX XXXX or anyone else from Commerce Bank. 

After reviewing my documents, I would like Commerce Bank to honor its promotional bonus as I have met all the requirements to receive the bonus. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 at about XXXX XXXX, i tried to use the Bank of America ATM ( on XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) to deposit XXXX $ in cash. The ATM did not have any restrictions on the cash amount that could be deposited beside the restriction on the amount of bills it could accept at once - XXXX bills. I inserted XXXX of XXXX $ bills. The ATM was counting the bills as normally would do, then it stopped and asked me to input the amount of $ that i was depositing. Shortly after it gave me an error message and spited out a receipt of my " XXXX $ '' that i deposited and a message that there was an issue and i should call a number ( that was on the receipt ). I entered the Bank that the ATM belongs to, and their staff just told me to call same number. I called the number from the receipt. The first representative told me that at that time they couldn't do anything and that i should wait for 10 business days for them to investigate the case and 45 days for the case to be resolved. I told her that i could not wait since i am XXXX XXXX and in process of relocating to my next duty station in XXXX. More than that, i needed those money to complete a financial transaction in XXXX ( down-payment for a car ) that should've to be completed in less then 5 business days or i would loose the car and my deposit ( XXXX $ ). I asked the representative to transfer me to someone so we could expedite the process. I was transferred to a wrong department. I had to call again and i spoke with another representative ( XXXX ) and after i explained everything, he told me that he will send a message to the " back office " to expedite the process of crediting me the rest of the amount ( XXXX $ ) until they finish the investigation. He told me that i should have a response on the XXXX of XXXX around noon. I called today ( XXXX XXXX ) at noon as agreed, but the representative that took my call ( XXXX ) told me that there's nothing to be done but wait. I asked him to connect me with his supervisor since a REALLY NEED MY XXXX $ that their ATM stolen from me. 
His supervisor called me in about half an hour, but the phone call has not productive at all. I asked to be connected with someone who could expedite the process since i would leave US in 2 weeks, but he just said that there's nothing to be done but wait. 

I am very frustrated, feeling that Bank of America robbed me. I totally lost my confidence in this institution. 

We are talking about my XXXX $ that i need in couple of days or i will lose money!

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have been corresponding through regular mail with Specialized Loan Servicing about my Loan Modification Application over the past few months in an attempt to get current on our mortgage loan. In the last letter I received from them they requested more financial information from my wife and I. The date that they put in the letter that they wanted to get the information by was XX/XX/21. I sent everything to them XXXX  Overnight on XX/XX/21 and it was supposed to be delivered next day by XXXX XXXX.. However XXXX was unable to deliver it until the XXXX at XXXX XXXX. It was delivered to the front desk/reception area, or mail room and signed for by XXXX XXXX with Specialized Loan Servicing. I followed up today to find out what they had decided and they said the Foreclosure process had started because they never received my paperwork. I explained to them that it was delivered and provided the XXXX tracking number and receipt that XXXX XXXX signed for it at their office. I feel that they need to find the XXXX package and make a decision on the loan modification or delay the foreclosure and allow me to resubmit the paperwork.

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 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I was informed by a collection company, Procollect , Inc, that I need to pay a debt of {$1900.00} for an apartment listed below : Apartment name : 09 XXXX  XXXX XXXX  XXXX  Apartment address : XXXX XXXX XXXX, XXXX, IA XXXX Management company : XXXX  XXXX  & XXXX, XXXX I do not own this apartment for any money. It is absolutely a mistake that may be caused by an identification information breach. Please remove the collection from my credit report at your earliest convenience.

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 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed this false reporting of a {$16000.00} debt with Chase Auto Finance in XX/XX/XXXX. I again disputed with XXXX and Chase last month. XXXX is still reporting a reaffirmed loan and late payments after the debt was XXXX in bankruptcy in XX/XX/XXXX. This loan was not reaffirmed. The car was returned. XXXX balance is owing. 

This is preventing the processing of mortgage loan. Increasing interest rate and compromising loan approval because of income to debt ratio and late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 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: NJ

Complaint narrative:
I made a purchase in XX/XX/2021 for {$350.00} for vitamins. I received an empty envelope. I contacted my discover card and filed a dispute. They have taken the charge off and on since then I had text and proof of my purchase and photos of empty package. I did not buy web design as the vendor stated. I backed up my claim and discover received my backup. On XX/XX/XXXX they put the charge back on my card without telling me in writing or phone. I still have no letter or proof of vendors claim which is the law and no letter stating I can appeal I have called discover 3 times but they just stalled. I spoke to XXXX in exec office at discover. She never called back as promised. She finally said they sided for the vendor. I said you are taking his word over mine and they said he is a client too. Thats strange since Im the one missing {$350.00}. 
I am attaching backup of texts and my empty envelope and my emails claiming nothing was in the envelope.

Company response to consumer: Closed with monetary relief