vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Commonwealth Financial Systems , Inc. Commonwealth Financial Systems , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Commonwealth Financial Systems , Inc . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my 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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I injured XXXX in XXXX Georgia store number XXXX to purchase some car paint which came up to {$76.00} I paid {$71.00} on my card I was going to pay the rest in cash after I swipe my card and the money was deducted from account their system froze and was unable to complete the transaction they said the money will go back to my card within three days it is now XX/XX/XXXX and I still have not received no money from this company cash app says that they have not received no payment but XXXX says that the money had cleared and was posted to my account through a pin debit net workI spoke with both companies regional offices and managers about the situation they both keep directing me to the other company for a resolution at this point theyre both saying they dont know whats going on or where the money is so I just point theyre saying that Im out of {$71.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. It was paid and please remove it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NY

Complaint narrative:
The company offered a discount payoff with the removal of a negative account from my credit report. I made the agreed offer, and they didn't remove the account.

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 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We paid our mortgage off XX/XX/2021. The amount of payoff was {$320000.00}. They said the official payoff date was XX/XX/2021 and the payoff was {$320000.00}. We also have an escrow balance of {$5300.00}. They told the title company payoff was {$320000.00}. I have called in multiple times and was told a check was mailed, then it wasnt and they would send ACH ( XX/XX/XXXX ) and then I called on the XX/XX/XXXX, they said the ACH didnt work and they sent a check instead. I have not received a check. They then said they would void the check, I told them I wanted a check sent overnight and they said they sent ACH. I recorded the last few conversations with them and they lied multiple times. I want my money back with interest at the same rate I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against XXXX  and deceptive debt collection practices, and I have been XXXX and deceived by National Credit Adjusters , LLC. National Credit Adjusters , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of National Credit Adjusters , LLC. They received it certified mail and signed off at XXXX XXXX on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
paypal just scammed me.Let me say that paypal are XXXX of epic proportions.They have a seller protection policy which is a fraud and a lie it is A BOLD FACED LIE PERIOD.This paypal company has many reviews about their " service '' on the XXXX XXXX XXXX  XXXX, XXXX etc like over 50,000 reviews and 99.9 % of these reviews are all negative .How on earth has this company not been shut down? They ruin lives is what they do.For XXXX Buyer purchased something from me and i sent her exactly what she ordered.Buyer then claimed i sent her less then what she ordered and filed a dispute for a full refund.I had full XXXX verified delivery confirmation with photos showing we sent her exactly what she ordered.She claimed we sent her 1 bottle of this childrens nutritional vitamin syrup when she ordered 6 bottles.Not only did we sent photos of the 6 bottles with the XXXX tracking number but we also got a invoice from XXXX showing the quantity which we sent was 6.The shipment weight also proves this.There is no doubt we have proven the buyer is a XXXX.These XXXX paypal are asking her ( the buyer ) to return the 1 bottle and then she will get a full refund.Problem is we didnt send her 1 bottle we sent her 6 bottles and even if we get the 1 bottle back in damaged or broken condition ( broken in transit ) the buyer will still get a full refund.We XXXX sent her 6 bottles paypal you XXXX.When we proved the buyer is a XXXX as in there is absolutely no doubt, paypal is still giving the buyer a chance to commit fraud.This is against their own seller protection policy.I demand my money back paypal you are clearly misleading people to use your services promising seller protection when there infact is none.you know it i know it and the whole world knows it look at this XXXX companies reviews all over the internet for XXXX XXXX.I have been scammed by this paypal XXXX company make no mistake about that no matter what they say i have been scammed by them and they are bold faced XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

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 2021-03-09 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: NC

Complaint narrative:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NC

Complaint narrative:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Inquiry from XX/XX/2021 Bankcard Comenitycapital/XXXX I was out of the country for 20 days, I came back in XX/XX/XXXX and today XX/XX/XXXX I get a notification in my credit report as a new inquiry in XXXX 

I called the bank and they dont have any history with my SSN, so someone is using my SSN and made this. 

I need to clean this inquiry, Im growing up my credit score, Im really upset and at the same time Im worried

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One keeps reporting my debt of {$1100.00} as derogatory as of XX/XX/2021, and they have no proof that I owe that amount. All of the charge offs on XXXX on my credit report are false with the other two bureaus being blank with no info leading me to think that there is wrongdoing and after being asked to remove the account from my account for false verification they agreed to on several occasions but has not in almost two years now every month I call them they said yes we will and after the 30 days they say that they don't recall talking to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attention : XXXX XXXX Portfolio Recovery Associates, XXXX VA Re : [ XXXX ] Court File # XXXX To Whom it May Concern : I am responding to your contact about collecting a debt. You contacted me by phone and mail numerous times over the years and I have met those reach outs with proactive behavior and respect. I have identified the debt as a fraudulent, but your firm does not meet me with that same respect and my questions have not been met with answers. When reviewing your company I was astonished to see how you built an empire on ethnically debatable practices. My experience of years of harassment has been similar to the countless events articulated all over the Internet on your predatory behavior. Since this is the case, I have retained counsel to handle the issue in question moving forward. 


I was in court with one of your attorneys in XX/XX/XXXX with XXXX XXXX in XXXX NY. First and foremost, his attitude and general behavior was less to be desired and far from professional. He treated me as a XXXX and made passive aggressive remarks about not being able to make payment. I was provided no documentation that validates that the issue in question was my debt. Therefore, I asked for your firm to provide me a copy of my signature, and if it was my signature - I would agree to pay the {$520.00} dollars offered to end the claim in court. I have not received any proof of signature after many requests from your attorney or company and this issue still lingers on my credit report. 

Please contact my lawyer about this debt.. My lawyers contact information is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX : XXXX Thank you for your cooperation. 

Sincerely, XXXX. XXXX XXXX XXXX This has been going on before XXXX and is still there today. Just recently from XXXX until today I have made many attempts to reach out to the law firm representatve XXXX XXXX XXXX well as the supervisor for portfolio recovery associates XXXX XXXX and I get, I will call you back from the Law firm and never received a call back and I can not help you from portfolio recovery Supervisor XXXX XXXX XXXX it is in the attorney 's hands. 
I have made at least 12 calls from XXXX XX/XX/XXXX until the end of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX and deceived by Cavalry Portfolio Services , LLC. Cavalry Portfolio Services , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Cavalry Portfolio Services , LLC. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: KS

Complaint narrative:
During 2019, I froze my Discover Card Account. I was told that no charges would be made on my account. A charge still went through for {$150.00}. The original company falsely refunded a portion of the amount but not the entire amount. 

I tried to dispute the bill. Discover did nothing. The bill should have never happened on my frozen account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filled a dispute with capitol one several issues regarding purchases I spoke XXXX one the mangers for dispute team she and Capitol one refuse to assists me with this issue this two credit cards I use on daily for food and necessities I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have received a collection notice in the mail and I am disputing the validity of this debt. I have already cleared this confusion in 2018 with proof of receipts from XXXX that shows I turned in the equipment for XXXX XXXX. The return receipts include date, time, XXXX store address, and the equipment numbers for everything I returned. If XXXX lost the equipment, that is their problem not mine. When I contacted XXXX XXXX about this invalid debt two years ago, the customer service rep told me they received the equipment and will update my account. But just recently, I get threatened with a collection notice. Take my account out of collections or I will sue you. By the way, I mailed a certified letter with the return receipts to you yesterday. So I will know when you receive it. And it is attached to this complaint. Don't play games with me. You will lose.

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