vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
The photos Im sending will show you what CBC has been doing to me.if you look at dates they are different. XXXX is unpaid because it was in bankruptcy XXXX they tried to collect money from me. XXXX same. They had three of the same one in a row on one report. XXXX. Putting duplicate or multiple collections in any report could be a violation of the Debt Collection Act or fair report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I ask Carter-Young to remove a account off my credit report or show me how its valid or verify it. When they could not they told me they would delete it. I feel like its a breach of my privacy, theft of my identity, and a improper use of my consumer report .Carter-Young is civilly liable pursuant 15 usc 1640 criminally pursuant 15 usc 1611. I demand compensation for their violations of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I was told the total amount of the loan inter is simply XXXX $ every XXXX . I asked multiple times what their APR is she insisted that there in no APR. And that it is only the XXXX $ every XXXX XXXX. She failed to mention that, thats every two weeks. So by paying them a minimum payment, I would never catch up and continue paying them for over a year. I was affect by XXXX  and temporarily lost some of our income. I elected to stop payments to them from my bank and try to reach a decision. I have reached out today awaiting a response back. However, I find it highly unfair, and downright scandalous the way they went about this. I send this to CFPB in hopes of # 1 them understand they messed up, # 2 learning some useful information regarding this matter, and how I could have done things different/better. # 3 hopefully if it is anyway possible warn others of this company before they fall vicitim. Its unfortunate they take advantage of people already in a hard situation with Low  scores. This money was borrowed as a emergency means, we unexpectedly had to travel across the country to family, we lost a close relative due to COVID. Please everyone, take heed when getting these loans. Check all your options, use this as a last resort option. Silent killers of all your hard work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
There are over 40 collection account through XXXX, XXXX, and XXXX on my credit reports. I do not acknowledged I do not own any of these accounts. This company is not friendly very rude to customers and just very unprofessional. They refuse to verify validate the amounts old and its has been 6 months and they still have not responded. Please advise. The name of the company is Recievables Management Corporation XXXX XXXX XXXX, XXXX, SC 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 2021-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't even know how to start because I'm trying to get this resolved since XXXX. Bank of America inaccurately reported a 30-day delinquency in this credit card account ( closed now ) back in XXXX. I had no idea about this information until I got my XXXX credit reports and right after I requested to open an investigation. I spoke probably to more than 50 supervisors ( I'm not kidding ) and I lost count of how many regular people from customer service who had no clue what they we talking about. Usually I spent an average of 1.5hrs every time I called Bank of America . 95 % of the supervisors could tell that this investigation was already closed/resolved back in XX/XX/XXXX HOWEVER, for some reason BOA has never done or submitted any requesting to adjust the wrong information. 
I have never been so XXXX  in my life. For years my credit score has been hurt, not even my mistake but others who don't care at all. BAO for a while blamed the credit report agencies for not updated the adjustment, that according to them was sent a lot of time before. I spoke to ALL the agencies a lot of times ( phone and letters ) and they never received ANYTHING from BOA. BOA lied to me every single call, ALL supervisors promised at the end of the calls that this is now resolved, they promised to give me a call back, they promised to expedite and resolve this inquiry. Honestly they don't care at all and they don't do anything. The last time I spoke to this supervisor, she promised that this case will be fix in 3 business days and she also promised a call back to follow up. ALL XXXX. At this point I really hope that this complain can help me. 
I don't know what else I can do and I need help. I have never missed one payment on ALL my accounts this is totally a XXXX. I'm tired of being 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 2021-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I recently requested debt validation for a debt showing on my credit report reported by Receivables Management Partners LLC. I mailed a letter ( certified ) XX/XX/XXXX requesting debt validation. They did not respond so I filed a CFBP complaint on XX/XX/XXXX complaint ID XXXX. The company responded to the complaint on XX/XX/XXXX and stated that the trade line would be removed from my credit report. XX/XX/XXXX they mailed a deletion letter for this particular debt the debt was then removed from my credit report. Fast forward, XX/XX/XXXX they mailed a letter to my home with a copy of medical records in attempt to collect on this same debt. This is a Hipaa violation. I did not sign a Hipaa form or give authorization to Receivables Management Partners LLC to access my medical records. Therefore the information reported to the credit bureaus in correlation with this debt is faulty and I would like for XXXX XXXX to cease all collection efforts immediately! I have attached supporting documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TX

Complaint narrative:
XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX TX Original creditor : XXXX XXXX XXXX TX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus

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 2021-03-27 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: TX

Complaint narrative:
XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX  Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX XXXXX Original creditor : XXXX XXXX XXXX XXXXX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: HI

Complaint narrative:
I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: HI

Complaint narrative:
I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity BankXXXX Account Possibly used on dark web Impersonating Representative took information in an attempt to close account XXXX Cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank-Care Credit Impersonating Representative for phone contact for account closure Mobile cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-27 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/2021 I looked in my XXXX statement and saw that I had a charge of {$430.00}. I called the credit card company as I know for certain this is fraud. The credit cards were not activated and they were only used once when I opened the card and I never used the card again. My statements can show that. 
I called the company and they ran the investigation. After about a month I received a letter in the mail that the charges are accurate. I was upset and called them again to see who I can speak to as this CAN NOT be accepted. They ran another investigation which I did not request and freeze my account which is fine because I dont use the account at all but they will not dive further to see that I did not make this charge. I called the merchant and the parent company confirmed it is fraudulent but I have to run the investigation with specific merchant and they sent the email for me to do. I submitted the information to that specific merchant in XXXX and they said that I should check my email addresses to confirm the charges. I DO NOT and have not authorized nor submitted this charge and I dont understand why they are not able to help in removing the fraudulent charge!

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 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America Checking/Savings Impersonating bank representatives to keep account on dark web Mail fraud pertaining to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: NH

Complaint narrative:
COMMONWEALTH FINANCIAL placed 2 collection accounts on my credit report. I have never received any correspondence from them in relation to this matter, nor was i give a chance to settle any debt before they attacked my credit report. I am not paying a debt that I am unaware of or even know what it is for. This violates my rights under FCRA, as I have never been asked to pay this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
in my credit score at XXXX  and XXXX  shows balance XXXX still open at bestbuy card visa, by Citibank, payment already paid in full, paiment made to " XXXX XXXX XXXX, reference number : XXXX, creditor Citibank, but after colect a last amount XX/XX/21 any one removed from the Bureaus.. 
Client services phone : XXXX Citybank : XXXX thank you for help me XXXX XXXX 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 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Turner Acceptance Corp.
State: IL

Complaint narrative:
I got a loan of {$6500.00} with higher interest of 33 % with turner acceptance corporation in XXXX Illinois on XX/XX/2018 with a payment of {$260.00} with an annual finance charge of {$4500.00} It was my first loan to get a car and my time to come to USA .I don't know how it working and I was looking for building my credit score so I accepted and signed all documents now am realizing that the try to make me paying double.after interest the charge me monthly payment fees which is added on every payment am making each month.after calculated everything for {$6500.00} loan am paying more than {$5000.00} more..which means each month I'm paying the loans plus interest plus an financial charge.i said no am gon na pay the loan with interest but not annual financial charge am supposed to pay my loan with interest like we set it on my schedule. 
It's when I got another loans from another company am realizing that the try to steal me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-03-27 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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation