vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

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 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit management has constantly been calling me sending me letters threatening to take me to court if I did not pay this credit card debt. They did actually send me a judgment. My court date is XX/XX/XXXX. I called them on XX/XX/21 at XXXX XXXX. to try and resolve this issue. They said I owed {$1700.00}. I can make a {$210.00} Payment right now and make a {$100.00} every month to pay it off. I asked them if they could lower the XXXX so I could pay it off sooner. They kept saying they couldn't do that. Then came up with an amount of {$1300.00} if I paid it all right now. I explained that people have been out of work thru covid. People haven't been able to pay any bills. Not many people have that much money anymore. I told him I could pay {$210.00} today and make a {$150.00} payments every month until this is paid off the XXXX. XXXX is who I spoke with said no they couldn't do that they have to have {$1700.00}. I didn't understand why they could lessen it down to XXXX. XXXX kept telling me they couldn't let me pay {$1300.00} I had to pay {$1700.00}. The only way I could pay {$1300.00} is if I paid it all in full which of course I can not do. There is really no different in me making payments on {$1300.00} rather than {$1700.00} if I'm trying to pay it. He asked me if I got a covid check. I said yes. I had to pay my other bills with that money and get my bills caught up which is really none of his business. There are people out here that have lost their homes and everything else because of this covid. it has been a very hard year. At least I am trying to pay it. I don't understand why he can't take {$200.00} payment and then a {$150.00} every month until {$1300.00} is paid off. Instead he wants me to pay the {$1700.00} and take me to court. I have tried to work with them and I just do not think it's fair that they XXXX the price up but lower it. That to me is a scam and it just tells me that they can work with me a little bit more. Not everyone has that kind of money. I had to go in debt because 1 the covid and 2 my son who has XXXX has a XXXX  XXXX and has needed a lot of help. It is very hard to deal with a son that has XXXX XXXX XXXX and it's been very difficult for myself. My son has been in several hospitals for this XXXX and it's very stressful. At least I was willing to pay payments on this and pay it off the {$1300.00}. It looks to me like if I'm willing to pay it. they would take what they could get Instead of taking me to court. I was willing to work with them. But they kept telling me they couldn't take any less than {$1700.00} but then turned around and told me that if I paid {$1300.00} they could take that in full. In that case they could let me pay {$1300.00} in payments. that is fare. That's all I can do at this point I do not have that much money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
fedLoan Servicing -- I have submitted my employee recertification form for PSLF verification, in XX/XX/XXXX, for the months of XXXX XXXX XX/XX/XXXX. Since I have been doing this annually since XXXX, I am aware that it generally takes about 2 wks, however effective today XX/XX/XXXX, nothing has been updated and I have received no information. I have called or communicated thru messaging on at least 5 occasions and have spoken to supervisors, only to be told we have no updates for you. Finally after my 4th call someone told me I should have uploaded my cert form thru a new feature on their site called the PSLF help tool and I would have been approved much faster, rather than uploading it to the usual " upload docs '' section. I have never heard this or done this so I resubmitted my docs thru the help tool in XX/XX/XXXX. Well, they approved my payments of XXXX XX/XX/XXXX, but left XXXX XX/XX/XXXX unreviewed! So I called again and they said it's still under review. I have had the same employer for 11 years and have submitted multiple employer cert forms- it absolutely does NOT take over 6 months to determine that my employer, a COUNTY, is a government agency. Furthmore, XXXX XX/XX/XXXX were reviewed and accepted within a week, thereby proving that it does not take 6 months. And why weren't all my prior months reviewed up to XX/XX/XXXX? What is the hold up? I am getting no answers, no help, no apologies, nothing. Furthmore, I noticed that they approved months XXXX XX/XX/XXXX for TEPLSF only, yet months XXXX XX/XX/XXXX were on the same exact payment plan with the same exact employer, and we're approved for BOTH PSLF and TEPLSF. Makes zero sense and I need answers and updated employer certification, bc as I learned by watching the news, they will not be my provider after XX/XX/XXXX, and I want my account current. I have done everything I am supposed to do on my end and I expect the same from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm, Inc. XXXX XXXX XXXX Fl XXXX, XXXX XXXX, CA XXXX. This company owes me a refund for just under XXXX XXXX Dollars due to a product call back. The check has not arrived within the time frame stated by Affirm, and I am unable to get any updates on this from affirm customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
My credit report was pulled today and there is a collection from Midland Credit Management regarding a " Pay Pal Acct '' with XXXX XXXX. They also referenced an address that did not belong to e as part of the verification process when I called MIdland to discuss this incorrect reporting. They said that it would take 90 days to resolve but I am in escrow at this time and this is hurting my transaction and risking my escrow deposit. 

I am attaching my previous credit report which also reflects all my previous addresses to show that this account truly does not belong to me. 

I can provide the most recent one from today showing the new collection. Please let me know if you need anything regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2021-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX I changed address and I called kohls to update my address and was told it was updated.During the month of XX/XX/2021 i received a late fee which I was not aware of until I was contacted in XXXX because I was never sent a bill.I was able to speak to representative that waived the late payment fees and I immediately paid my balance in full.I then requested that the negative credit information be removed from my credit files for the XX/XX/2021 payment period. I was told it would be removed that was more than thirty days ago and it never got removed. I then proceeded to call back several times to try and get a letter stating that it would be removed from my credit file. I was told it wasnt possible to get a letter from kohls of that matter and that I would have to contact corporate .I Then called and contacted corporate and they say they would send the letter and clear the month of XXXX. I received a letter that was not what I had asked for therefore i called again and was told I would get another letter this time the correct one and once I received it it was also not what I needed. I am now still waiting for my credit file to be cleared and am being told there is nothing they can do about it. In all the years I have had my Kohls account I have never had such ahorrible customer service experience for something that was not my fault to being with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute 5 times with Equifax so they remove a charge from a merchant that was not supposed to be there, but they have done nothing after 5 attempts. Every time I call they say ''dispute not found, try again '' or their fax machine is trash and they can not get a new one to be able to read documents they requested, so their final decision is that ''merchant is right '' because they could not read my supporting documents, and they never request information from the merchant. Their automated system is trash as well because to get to an agent you have to go through a 30 minutes interview asking the same exact thing over and over. Some of the agents are very incompetent. This company should be better than that since they are dealing with people 's credit information but is just like trash in all aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Upon checking my credit report I noticed a medical collection from XXXX for {$60.00}. The debt had been transferred to XXXX XXXX  XXXX. I contacted XXXX and they were unable to pull up any information that matched my name, dob and address. I let them know that the debt was on my credit report and they were the original creditor. They advised me to dispute the information with the credit bureau because they could not delete a record they could not find. I disputed the collection with all three credit bureaus. Both XXXX  and XXXX deleted the collection, based on the lack of ability to properly verify all reported information being accurate. However Equifax reported that they did not delete the collection because it was valid and they had verified the information. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Equifax used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation