vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has been flagging my account over and over for a debt that I have not validated. It has become harassment after I filed a dispute. This company all of sudden began flagging my credit reports daily to XXXX XXXX and XXXX  with multiple accounts without giving me my consumer rights prior with documentation to verify. Under section 809 of The Fair Debt Collection Practices Act, collection agencies are required to validate debts they are attempting to collect. If I did not validate the debt, they must remove all the collections accounts immediately from all bureaus from your credit report as this is a violation. Why is this company reporting to credit bureaus before communicating to me? Ive never heard from this debt collector before yet they claim it opened last year. Another lie. If I disputed, the debt was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  I Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my 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 2021-06-06 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: GA

Complaint narrative:
I disputed XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate

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 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC
State: TX

Complaint narrative:
I am XXXX XXXX military. I have received XXXX  orders and my wife and I have moved into our new house. We are currently in the process of selling our old home and NOVAD has yet to send XXXX  ( our title company ) the payoff statment and its been over 2 weeks. I have e mailed NOVAD and havent received a response. We have already pushed back closing twice and are going to face a financial hardship if they dont provide the payoff statement soon. This is completely unprofessional given the turn around NOVAD has to provide the payoff statements. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me getting it back and going I am not sure if this is some mistake as I assume it has to be I am not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal guide frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my 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 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Santander Consumer USA took cash. The Finance charge is supposed to include insurance, but Santander Consumer USA made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As a consumer XXXX XXXX XXXX XXXX and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The XXXX  XXXXXXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative

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 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Im concerned about unfair interest terms on my Citibank credit cards, and I would suppose this would apply to other banks as well. 

I usually pay off my monthly balance, which is typically a few thousand dollars. A few weeks back, I accidentally missed paying the full amount by about {$1.00}. Citibank charged me {$55.00} interest on that {$1.00}. These are not exact numbers but they are very close and will certainly illustrate my point.

I called the bank about this to find that their policy is to charge interest on the FULL monthly balance when a partial payment is made. The rep explained to me that if I have a monthly statement balance of {$5000.00} and I make an on time payment of {$4900.00}, that I would be charged interest ON THE ENTIRE {$5000.00}.

How can this be right? Legal or not, this is clearly taking unfair advantage of the consumer. Common sense says this should be changed. Id like to hear your thoughts on this.

Thanks

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
3 certified letters 1st to old address ( via literature provided by them ), NEVER FORWARDED by Post Office.

No forwarding order by company ( intentionally? ) 2nd letter to New address, Never verified delivered ( suspicious ) 3rd letter to New address via Priority Mail, Never verified delivered ( pattern? ) the company can Not be contacted by telephone.

the " automatic '' Phone to request CREDIT FREEZE, can Not understand my native English language.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX by Capital One is not updating. Three months have gone by and I have kept my payments on time and current with capital one why does my score stay stuck if all my accounts are current and never late. I have 3 accounts with capital one all in good standing. 
2nd the Venture is paid in full. How is it that capital one charged off this account after it was paid. It had a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi double cash back card ending in XXXX for years. There is a Citi card benefits which says that : Did You get the lowest price on Your Citi XXXX purchase? Let Citi Price Rewind search for You.

Citi Price Rewind searches for a lower price at hundreds of online merchants on the registered items You pay for with Your Citi Card. If the same item is found at a lower price within 60 days of Your initial purchase date, You may receive the difference between the price You paid and the lower price found by Citi Price Rewind. If You find a lower price that may qualify You to receive the difference
in price, You can go to citipricerewind.com to learn more.

To be eligible for the Citi Price Rewind benefit, You must pay for the item at least in part with Your Citi Card. You will only receive the lesser of the actual amount paid for with Your Citi Card or the maximum benefit per item. 

I bought a product " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, and XXXX XXXX  '' from XXXX XXXX XXXX XXXX at {$100.00}. On or about XXXX XX/XX/2021, the same product is available at {$84.00}. 

So obviously I will try to make use of Citiprice rewind ( https : //www.citipricerewind.com/ ). But that website is down. Called customer service toll free # ( during XXXX XXXX  to XXXX XXXX  Central time on XXXX XX/XX/2021 ) ... .getting connected to Some XXXX based support where the calls are just getting transferred from one person to another and nobody knows about this and how to help me. Last person was XXXX. They transferred me to XXXX based customer service but then the call is getting disconnected. 
Citi should not blindly outsource jobs to XXXX without training these folks. Citi should take care of www.citipricerewind.com and most importantly I should get my {$20.00} 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 2021-06-06 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:
As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, these accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. I sent these credit reporting agencies a letter on XX/XX/2021 letting them know that these Fraudulent accounts were on my credit report. they were supposed to remove them after 4 days of receiving my statement, but still to this day XX/XX/2021 they have not removed it. this is against the FCRA laws and I feel violated. I pray the CFPB handles this case properly. Erroneous RESULT OF The Equifax /XXXX  Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.SO DON'T TRY TO PULL THAT STALL TACTIC. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffered immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-06-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that Equifax was reporting a credit inquiry on XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with Equifax. I did so and Equifax completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by XXXX XXXX XXXX  on the date mentioned. However, neither XXXX XXXX XXXX  nor Equifax could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the XXXX XXXX XXXX  system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loan care didnt approve my forbearance on time, making me be late on my mortgage, during Corona virus beginning, they report my lates payments and didnt want to deleted. It heart my credit a lot and cost my credit a year to get back on track, I did not have any other late payment accounts and they did not have any consideration.

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 2021-06-06 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: GA

Complaint narrative:
I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Kikoff Inc.
State: NY

Complaint narrative:
Im having a lot of issues with the companies I have sent emails I have sent in police reports and there is still a problem the fraudulent account is still in my report. Like I have said for the tenth time I have no knowledge of this fraudulent account. I should not be penalize for my identity being stolen. This is against the law. Help me do what's right. I have attached the FTC/Police report. & Proof of my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I noticed that XXXX  was reporting a credit inquiry on XX/XX/2021 from First Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with XXXX. I did so and XXXX  completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by First Citizens Bank on the date mentioned. However, neither First Citizens Bank nor XXXX  could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the First Citizens Bank system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
My card was lost, so I contacted Aspire for a replacement card and requested express shipping for an additional {$25.00}. I was charged the {$25.00} and told to expect my card within 3 days. Eleven days later I received an envelope from Aspire, standard presort mail, that contained a card that was not mine. It was one of the users on my account, but not the card I requested for replacement and not shipped express. I contacted Aspire and asked that they refund the {$25.00} and send me the correct card. Aspires representative informed me that they will not refund the {$25.00} because I was shipped a card, even though it was the incorrect card and shipping type. They then offered to send me the correct card, for an additional {$25.00} payment.

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