vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing this email to file a complaint with LVNV. I have no dealings nor do I owe any money to this company! This contract which was under " XXXX XXXX '' was cancelled and removed offof my credit report. Once the name was changed whoever is responsible attempted to add this back on my credit report, but I currently have NO CONTRACT with them. Under my XXXX  report there is no account with them shown on my report at all, but XXXX continues to give me a hard time with helping me remove this item off of my report!

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
I have attempted to dispute this collection on all three credit reports but it was only taken off my XXXX  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 2020-10-24 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: MI

Complaint narrative:
it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I received a letter dated XXXX XX/XX/2020 from USAA stating that my two checking accounts and savings account would be closed. I  received another letter dated XXXX XXXX saying that those accounts would be closed unless I provided information to them. I called on XXXX XX/XX/2020 and submitted the required information. The customer service rep assured me multiple times that my accounts would now remain open. XXXX XX/XX/2020 USAA closed my two checking and one savings account. They did not have a reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I made a purchase through XXXX to my Bank of America card that I've owned and used for over 16 years.

Within minutes I was informed that my payment was declined. Because many companies charge users for non-payment on a credit card, I panicked and tried desperately to call Bank of America credit services. First of all, the answering assistant would not let me through, as none of their options fit what I was calling about. I finally got through by pressing 0 about 30 times.
But then I was informed that the payment was declined because of security, a fraudulent charge. As I've had the card for over 16 years, this answer did not make sense. I have used it numerous times via XXXX  and never had any issues with it, paying that way.

I asked for a supervisor and got nowhere. The first agent just put me back into the same call group and I had to wait and wait and wait for another agent to answer and then I had to go through all the explanations all over again. Again a request for a supervisor got ignored.

I was transferred again to another agent who was supposed to be a specialist on fraud ( of course, I was not calling about fraud! ), and he said yes, the payment was declined, but then it was approved. But he would not explain to me why it was declined in the first place - remember, I had used it numerous times in this manner before and there was never any problem. 

On Saturday XX/XX/XXXX, I checked and the payment still had not shown up on my credit card ( it was pending ) and I still had not gotten an answer as to why it was initially declined, which caused me so much stress.

I called again and asked for a Manager. I fought my way through the answering assistant again and then asked for a Manager. 20 minutes later, the person who had put me on hold said she could not get a manager and that I should call back later.
I did. I fought my way through the answering assistant again and this time I got a representative from New Mexico. No answers, and again I was transferred to a fraud specialist.

That specialist ( she said she was in Maryland ) was the most rude, condescending and hateful representative I have ever talked with. Again, no answers, and I was tired of her addressing disrespectfully.

At this point, I really have no one respond as to why the payment was declined. No one can explain what triggered the decline or why. I never got to talk with a Manager. Despite the fact that I have used
this card to purchase on XXXX  via XXXX many times in the past, no one could explain why this happened.

Truly an awful experience and an awful company to do business with.

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 2020-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom it may concern, My XXXX XXXX credit card is still showing open on my TransUnion even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of 2020 to the current 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 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, Advance Financial debited {$220.00} from my checking acct and i just made a payment of {$150.00} the day before is  was due. i spoke with XXXX with Advance Financial and he told me it was due to a missed arrangement on XX/XX/XXXX but it was paid on XXXX. Their process of making the arrangement is you have to directly call them to make the payment instead of having the payment auto debited out of my acct. i have this issue before and i asked to speak to someone who can help me with a better arrangement and all the employees stated is that is what the company can offer. i wasn't allowed to speak with a manager or someone who can better help me with my situation. i have other creditors i have to pay. Covid or not these people are not willing to help you with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MN

Complaint narrative:
I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: PA

Complaint narrative:
I'm requesting that this collection be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Six days already like CITI Bank refused, first, to satisfy my actions for  transfer by XXXX to transfer my money {$1800.00} to XXXX XXXX  recipient. CITI Bank keeps my account blocked from me completely and did not allow to use XXXX transfer from my account. They make fun of me and play stupid. I asked recipient to request money from my account and the same thing happened, Citi Bank denied that request also. It is known road for transfer by XXXX that was performed before in the past.

Do you know how long it takes to get transfer by XXXX? My request for XXXX was denied. Citi Bank did not allow me to transfer money by XXXX. I asked the recipient XXXX XXXX to do it from his side. He did it at my request for the same amount of money. XXXX XXXX did not get the money from my account too. I have money on my account that was supposed to be transferred to the recipient of XXXX XXXX account. The payment to XXXX was scheduled and the transaction fell. Who is responsible for all this mess? CiTi Bank still refused to unlock my money and continue to keep my money away from me under their control. Is that criminal?

CiTi Bank did not ask me in the past to confirm the payment by XXXX to the same recipient and now they did and they blocked me from that action too. Some criminal at CiTi Bank just making a mockery over me and everybody assisting that criminal and every my call denied for assistance.

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 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Credit Card Services has started calling me, in an harassing way, over the last week, beginning on Monday, XX/XX/2020. During that call, I spoke directly with a woman who told me she was with customer service and assured me she wasn't with collections. I'm still not clear on why she called because our conversation was very garbled, but I know she said they wanted to know how they could help me. I'm not sure what that actually means. However, I told her the same thing I've been telling them through their secure web site since COVID shutdowns began. I experienced a XXXX three years ago and took some time off work to heal physically and emotionally, living on savings I had specifically set aside for that purpose. In XXXX and XXXX of this year, I began interviewing for positions, but then the shutdown occurred in XXXX. Since I was not eligible for either XXXX ( I'm not considered XXXX by state and federal standards but still have to be careful about the types of activities I'm involved in - can't stand or walk for long periods of time, can't lift packages over a XXXX limit, etc. ) or unemployment ( because I had left my position voluntarily after that contract ended ), my finances continued to dwindle. 

I'm still looking diligently for work, but like many people, I am still unemployed. I was also XXXX in XXXX and have been staying with friends but am basically XXXX while trying to heal. 

Chase has called once every hour today ( at least XXXX times so far, and it's about XXXX XXXX now ) but is not leaving a message. I don't answer calls from people who don't leave messages, and I prefer to do business in writing so I have a record. Is there any way you can have them stop these tactics and at least tell me what it is they want? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
The following message ( request ) was sent to credit card company. 
-- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Customer Contact Request [ EXTERNAL EMAIL ] Use caution with links and attachments. 

XXXX XXXX XXXX Dear Customer Service, Please see the request below. 



First Name : XXXX Last Name : XXXX Last 4 Digits of SSN : XXXX Zip Code : XXXX Selected Concern : FI Detailed Comments : Hello, This account was reopened and credit applied without my knowledge of an Annual Fee of {$49.00}. In fact, I did not apply to have this account reopened. The balance on this account was paid off over a year ago. Credit cards with annual fees are of no interest to me! In fact, I have credit cards with much larger available credit with no Annual Fees. If possible, I would like to keep this account with no annual fee. If not, delete balance of {$49.00} annual fee to a zero balance and close this account asap. Thank you, XXXX XXXX FOLLOWING IS LATEST RESPONSE FROM FORTIVA CREDIT CARD COMPANY ON XX/XX/XXXX : Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that an annual fee of {$49.00} was charged to your account on XX/XX/XXXX. The annual fee is a onetime fee assessed every year to cover expenses associated with managing your account. Unfortunately, we are unable to comply with your request to waive the annual fee. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 


XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX | www.myfortiva.com

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
Just received this letter in the mail today and I do not like the " RISK OF ARREST '' part. This is the first contact in about 10 years. I have XXXX intentions of EVER getting or obtaining my Motor Vehicle License back nor any other license. I am permanently XXXX and collect XXXX and do not like being threatened. 

Thank You and Stay Safe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 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: MN

Complaint narrative:
I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.

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 2020-10-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have filed an identity theft report with the three credit bureaus but some of the information is still on my credit report despite it being more than two weeks since I filed the FTC report with them.

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 2020-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I took my court order to change my name from XXXX XXXX to XXXX XXXX to a Chase branch in XXXX, XXXX Everything was changed a new signature card was signed. I called the credit card branch where they said they would send me a new credit card. The card arrived with my old name. I called again today and now they are saying my name has not been changed and there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MI

Complaint narrative:
it has been over 45 days since i have sent transunion a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from transunion regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification

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 2020-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase of an item through a webpage called XXXX and they only allowed me to use PayPal for the item. I found out the website was fake and when I tried to communicate with them by email ( 6 times ) and never got an answer back. I submitted a claim with PayPal and they denied it saying it was a billing dispute. XXXX opened up an investigation and gave me a credit on my account for {$390.00} the amount I paid for the computer i never got. The next day PayPal also sent me my money back, Im assuming it was because XXXX inquired about my complaint. After a week or so I called XXXX  back to ask them to take back the credit they gave me as I had received my money back from PayPal. Now Im getting emails and phone calls from PayPal telling me I have a {$390.00} deficit on my account and they froze my account until they receive {$390.00} payment. 
I called XXXX and was told someone canceled my complaint with XXXX  and thats why XXXX has not returned PayPals refund. I spoke to XXXX Bank again yesterday ( XXXX ) and they researched the entire process and said I've done nothing wrong and i don't owe PayPal anything that they received there money back. I tried numerous times to talk to PayPal " Limatatons '' department they put me on hold and never come back! I honestly don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom it may concern, My Wells Fargo credit card is still showing open on my XXXX even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of XXXX to the current 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 non-monetary relief