vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX  to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how to get my money back.

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 2021-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: LA

Complaint narrative:
I received a check for {$2900.00} from an advertising company to pay for installation of advert on my vehicle and payment to me for advertisement. My payment was to be {$500.00} out of this check, the rest was to pay installation.I deposited into my savings and did not take any money from it because I wanted to make sure check was good. After crediting my account for the amount of check, the following day it was taken back out by the bank who said check was returned. But all it says is returned check deposit on the transaction and I questioned that this would look as though it was me, income I received but I was told by bank that, No, thats how its done. ( This is second time this happens ) But XXXX shows it as income so Im inclined to agree since I was afraid of exact thing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit card account does not appear on Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a letter to AWA Collections asking for proof and validity of the debt that they claim I owe. On XX/XX/XXXX I received documents with a forged signature, stating that I owe {$3300.00}. I have never entered into an agreement with this company nor XXXX XXXX XXXX which is who they represent. This is a violation and an illegal practice. This debt must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a Mildland has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX and everything then a year later midland makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either XXXX  or XXXX removed if one exist. So for XXXX  years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I don't have the exact dates but about a year and a half ago the collection agency out of California named Cavalry Portfolio Servic repeatedly called my mom, grandma, enployer and myself, after we all told them to stop. Also they threatened legal action regarding my debt, as well as discussed personal information about my debt with my mom, XXXX XXXX, who let me know right away. I notified them about this, requesting they remove my debt but instead they lied about all the violations in which they knowingly committed and refused to remove it. Luckily my mom was a manager at a debt collection company so she made sure to explain that what Cavalry Portfolio Servic did was unlawful and that I should file a lawsuit if they don't remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a fraudulent account XXXX XXXX and I send in documents for this account and XXXX refused to block it due to I had obtain goods which is false I never use this credit card or apply for this account and I was in prison and locked up and I can show you proof that these payments were unauthorized to my bank account I request the bank to dispute it and they have determined these payments were fraudulent/unauthorized and return the money back to me and yet the dispute with XXXX XXXX was denied by the credit bureaus and they never blocked the account before this is fraud and it a violation of fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
I disputed a 30 day late that occurred on my account in XXXX of XXXX  during the stay at home orders due to the pandemic. My XXXX was not able to survive and we had to shut down. My letter explained they violated the public Law No.116-136 ( XX/XX/2020 ) Coronavirus Aid Relief, and Economic Security Act or The Cares Act - Section 4021. I had called them regarding my business closing for good, and that I was having a hard time making the payment. I made the account current that very next month and still is current. They responded to my letter stating their reporting is accurate. Yes as it may be that a payment was late, but in accordance with the Law stated above they are in violation for reporting the 30 day late. I ask that it gets removed, per Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Veros Credit, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a XXXX has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX  and everything then a year later XXXX makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either sycnbn or JCPenney removed if one exist. So for 6 years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit

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 2021-09-24 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: U.S. BANCORP
State: CO

Complaint narrative:
I submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX  was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due.

I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2021, upon checking My PayPal prepaid app and noticing several unauthorized transactions from debit card to my account, I called PayPal prepaid at XXXX at XXXX XXXX. I spoke to an agent and let her know unauthorized charges were being made with my debit card number online, I stated I wished to cancel the card, because it was apparent it had become compromised somehow. She stated that she would send a new card in the mail, and that my disputes of these unknown and unauthorized transactions would be investigated within 10 days. 

On XX/XX/XXXX, I recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, i recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, I recieved an email from PayPal Prepaid, requiring that I submit via email, a written dispute of the hundreds of unauthorized transactions that I reported orally on XX/XX/XXXX. It was stated I must do this to qualify for a provisional credit. I emailed and submitted my dispute document on XX/XX/2021. 

On XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. 

On XX/XX/XXXX i recieved new card in the mail. 

On XX/XX/2021, I received a text message from XXXX stating there may be a problem with your PayPal prepaid card. Please call XXXX before using your card. I immediately tried to check my account via the PayPal prepaid app, I could not access it, my access had been blocked. So I called the number listed in the text message. 

I was then told by an agent, that my account had been closed down indefinitely due to fraudulent activity. I could not access my direct deposit from XXXX that day, or ever. When asked about my provisional credit, I was told I was denied any such thing. I explained I was already late on my utilities due to this and I explained this was the only account I had. That I fully depended on that account. On top of that I was told my investigation would be extended until XXXX. Finally after begging for access to my own money, I was told to borrow money from family if I needed to pay bills and then I was hung up on. Now, my phone is shut off due to non payment, I cant not pay my bills since my money has been stolen from me from the card issuer. 

The responses I have recieved from PayPal prepaid are unacceptable, woefully deficient, and disrespectful. My husband and I have missed going to 3 weeks worth of work due to this issue and have now both lost our jobs because we have not been able to access our funds so we can get to work. We have lost so much do these illegal, unfair, and harmful acts done by the card issuer.

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 2021-09-24 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: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I was on a Covid forbearance program with Mr Cooper Mortgage which ended XX/XX/2021. I was told that if still affected by Covid, my only option afterwards would be a loan modification. Also, that it would take 30 days and if approved I would not have to make a payment until a decision was made. I have applied for a loan modification on my other houses and have always been approved. I assumed it would be the case here but I was rejected on XX/XX/2021 and told they would be reporting me late for XXXX. Keep in mind, I applied in XXXX. The reason for the rejection was that the property is a rental not owner occupied. Thats one of the 1st questions they ask on a forbearance or modification application. Why would they string me out for that long? First of all, it took longer than 30 days and I was never told to make a payment in XXXX while I waited. 

This will negatively affect my credit and I am trying to avoid that. I just made XXXX payment in the amount of {$1100.00} in hope they will send a notice to the credit reporting bureaus or not report me negatively. I was told there is nothing they can do. I think this was a major misunderstanding ; I was not given the correct information and it just took too long to process my application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received this e-mail ( service message ) from JP Morgan Chase and Co. ( Travel ) on XX/XX/2021 : We're writing to confirm that your refund of {$130.00} and XXXX PTS was processed on XX/XX/2021 for the Chase Travel itinerary XXXX. As of today, XX/XX/2021 the refund has NOT entered my Credit Card Account. After speaking to some very caring but powerless associates, it was suggested that I contact Chase Privacy Operations in writing. I have sent a letter to CHASE PRIVACY OPERATIONS on XX/XX/2021 about this problem but have NOT been contacted by anyone as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-24 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XX/XX/2020 I Reached XXXX I asked them to verify this information of unauthorized inquiry they had no such paperwork or my signature on file. Please remove it once.

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 2021-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation