vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: NY

Complaint narrative:
XXXX sold my private information to three credit reporting agencies without my written and/or verbal consent which violates my right to privacy as a federally protected consumer. I have taken action to get the information removed/deleted from one credit reporting agency , which is Equifax. This violation has hindered my credit scores for years in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
The Original Account belongs to XXXX & XXXX I never used the service. they started billing me even i refused to start the service. i returned the phones because the company XXXX XXXX XXXX mailed me after misrepresentation. It was afraid from the company representative who met me in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  The phone 2 in quantity never opened or used. those were returned and accepted by the company. I call the customer service XXXX i was told you wont be paying anything. They took another {$82.00} which is still not returned. they send me notice for paying {$280.00}. I never owe the amount i never used the service, i returned the phones because XXXX rep tried to sell me with misrepresentation. Now they send my account to collection agency who calls me and threats me. i have excellent credit. XXXX has damaged my credit and reputation. please take action against the XXXX and Collection agency Thanks XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax violated XXXX of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations. 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 ) I requested a block pursuant to 15 USC 1681c-2 on XX/XX/2021 and Equifax has willfully violated my Federally protected rights and is Liable to me the sum of {$10000.00} for defamation of character and {$5000.00} anxiety caused as a result of the willful and negligent noncompliance of Equifax under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from TransUnion stating that they verified the bankruptcy through XXXX XXXX XXXX Illinois. I reached out to XXXX XXXX via mail and they returned a letter on XX/XX/XXXX stating that they do not verify or communicate with third parties or credit bureaus. 

On XX/XX/XXXX I mailed letters to TransUnion requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, TransUnion investigation results letter from XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX, I sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at TransUnion. 

As of XX/XX/XXXX, I have yet to receive anything back from TransUnion in regards to this investigation.

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 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Used to have my mortgage payment to XXXXXXXX XXXX XXXX XXXX they sold it to pnc and pnc bank making a hard time to take a payment I dont know what to do I tried XX/XX/XXXX to make a payment so I got a person and explain it cost XXXX dollars or simple to do it by the automatic system so I follow the instructions but couldnt get true Would appreciate to to switch back to XXXXXXXX XXXX XXXX XXXX there was so simple

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I bought two round trip airline tickets from XXXX to XXXX using XXXX wells fargo go far rewards points. On XXXX, the airline, XXXX XXXX, emailed me informing me that both the departing and return flights have been cancelled and that I would get a full refund. On XXXX, I got an email from go far rewards stating that there was a travel update and I should contact them. I have called Wells Fargo go far rewards 3 times since then requesting a refund for the flights and have no yet received one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: NY

Complaint narrative:
Starting on XX/XX/XXXX, someone used my debit card/made a skimmer of my card and made several withdrawals at different XXXX around XXXX, NY and XXXX XXXX , NY area . On XX/XX/XXXX the the first fraudulent claim was made, unbeknownst to me. I called discover customer service workers on the XXXX, after my card was blocked when trying to pay for a co-payment at XXXX for medication. The worker at this time did not tell me the reason behind my card being blocked. I was not aware that my card was recently used somewhere in XXXX NY, while I was trying to make a purchase in XXXX, New York. I was told, my card was blocked because of the address at a nearby XXXX ( a food place near the XXXX ). This is a recorded conversation that can be verified. My card was unblocked, and I was given a courtesy adjustment from Discover amounting In {$35.00} dollars for this error. This is a direct admission of guilt/error on their part. Had I been told the actual reason my card was blocked, I couldve put an immediate stop after the first withdrawal, and the person wouldnt have went on and continued to withdraw from my account 3 additional times. On XX/XX/XXXX, I attempted to use my card, and again, I was blocked from using it. This is when I was informed that my card had once again popped up in XXXX, and was being used to withdraw money, while I was in XXXX. I immediately froze my card and reported this to the fraud team and was sent a new card. I sent discover multiple documents showing that I was never in XXXX, New York for the month of XXXX, or during the times my care was being used. I took screenshots of all the locations my XXXX was pinged to for the weeks leading up until the fraudulent withdraws was committed. On the dates the thief withdrew money In XXXX my location shows I never left XXXX, New York. I submitted documents showing on XX/XX/XXXX, I was in XXXX receiving XXXX XXXX XXXX, while my card was showing up in XXXX. I sent all of my locations for this day and they all placed me in New York. I cant be two places at once. XXXX location services uses outside GPS, WiFi, Bluetooth and hotspots to ping mobile locations, which I have no control over. So, if my phone shows I was never in XXXX than obviously I was never in XXXX, New York. If my phone location shows I was near my house at the time money was being withdrew from my account, obviously I was near my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 I called Credit Bank OF AMERICA @ XXXX Phone : XXXX XXXX XXXX for reason STOP TRANSFER money {$150.00} into office Lawyer, in the time I called the bank Money still holding in bank OF AMERICA BUT EMPLOYMENT the Bank intention want to pay money for lawyer {$150.00} from my credit although I called the bank OF AMERICA and I gave reason lawyer cheat me But employment the Bank want transfer for lawyer, and they said with me Monday after transfer for lawyer, I called them they will get back for me, If I called back Monday, I called back I am not employment sent get back for me when lawyer cheat me, they no help my case for me, and they did not answer all my question from me They said, I should to wait 90 days, If lawyer agree refund for me, The bank OF AMERICA will refund for me, But lawyer did not want refund for me, I should to pay {$150.00} Now I petition CFPB solve for me, and to request the bank responsibility about that because their employment want to pay for lawyer, It is not from me It is seem act fraud and abused

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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING reported to three credit reporting agencies a debt that was not mine. It was a result of identity theft. I was able to get this deleted from two agencies. I struggled with my credit scores because of this inaccurate and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have noticed that I have been charged late fees even though I make my credit card payments on the same day it's due and before it's midnight in my region ( Mountain Time ) It seems that the bank has taken advantage of me and charged late fees to the tune of {$170.00} for this year alone. 

Only one of these fees was reversed recently and not the rest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am reporting this complaint because back on XX/XX/21 i placed an order online which macys overcharged my credit card by not charging for the sale price and charged me with the original price instead. I then proceeded to call macys and ask why they charged for the original price when they online said that the items were on sale? they told me that they would adjust the price once the items were shipped. So I went ahead and waited for the items to be shipped hoping that they would adjust the price, to my shocking surprise they did NOT ONLY NOT ADJUST THE PRICE TO THE SALE PRICE BUT I NEVER RECEIVED ANY OF THE ITEMS THEY CHARGED ME FULL PRICE FOR. I THEN TRIED TO CALL THEM AND ASK THEM TO REFUND THE MONEY THEY CHARGED MY CREDIT CARD. HOWEVER, THEY DID NOT REFUND THE ACCOUNT AND KEPT CALLING ASKINGME TO PAY FOR THE ITEMS I NEVER RECIEVED. THIS IS THE REASON I AM FILING THIS COMPLAINT. I RECENTLY RECEIVED ANOTHER LETTER IN WHICH THEYRE THREATING ME TO CONTINUE TO ADD INTEREST CHARGES AND ALSO REPORT ME TO THE CREDIT COMPANIES AND SELL THIS ACOUNT TO COLLECTIONS, AS WELL AS PERSUE LEGAL ACTIONS. PLEASE HELP ME WITH THIS UNJUST AND UNFAIR AND ILEGAL ACTIONS MACYS WANTS TO PERSUE AGAINST ME. 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 2021-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On my Equifax, XXXX and XXXX Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. Equifax, XXXX, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
As of XX/XX/XXXX Portfolio Recovery Associates, LLC has been contacting me by phone & mail, telling me that I owe them {$760.00} which I never borrowed from them nor anyone else. They say that they had bought this debt from XXXX XXXX which i already proved that it was a case of identity theft & that there weren't anyway that this debt was of my own actions. I was incarcerated for almost 2 decades which started in XX/XX/XXXX. The said debt had started in XXXX & i didn't get released until XX/XX/XXXX. 
Again, i've already proven this fact to XXXX XXXX w/ my release papers. This is an unlawful act on part of XXXX XXXX as a seller of a debt that resulted from identity theft, & an unlawful act on part of Portfolio Recovery Associates, LLC as buyer of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to CREDIT BUREAU SERVICES OF IOWA , INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I lost my job due to COVID, I have had an Express Clothing Store Credit card for years and now very behind on payments. COMENITY BANK has not only tried contacting me but they are also calling my mother-in-law, whom lives in a different state not listed on any of my financials. My XXXX year old son, during school hours. They are not only requesting to get my contact information or questions about my whereabouts, they are telling them details of my debt and the legal implications if I dont call. I never gave them permission to discuss anything with anyone. They are leaving messages as if they were calling my phone..messages directed to me and not them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to MIDLAND FUNDING LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
MBA LAW XXXX XXXX XXXX, XXXX, TX XXXX Has been sending me collection notice in the amount of {$1300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my XXXX, TransUnion and XXXX Credit reports the collection tradeline XXXX XXXX XXXX acct no ending XXXX, Orig creditor XXXX XXXX XXXXXXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, TransUnion, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

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 2021-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my XXXX, XXXX and Experian Credit reports the collection tradeline XXXX XXXX/XXXX XXXX, acct no ending XXXX, Orig creditor XXXX XXXX XXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, XXXX, & Experian are reporting the wrong date of first delinquency. They report XX/XX/2017 my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.

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 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation